Rasulullah SAW bersabda mafhumnya :

“Meraka yang mencari harta dunia (kekayaan ) dengan jalan yang halal dan menahan dirinya dari meminta-minta (tidak menjadi pengemis ) dan berusaha mencari nafkah untuk keluarganya serta belas kasihan, kasih sayang terhadap jiran tetangganya, nescaya di hari kiamat kelak ia akan berjumpa dengan Allah dengan mukanya berseri-seri seperti bulan purnama pada waktu malam.” (Riwayat At-Tabrani)




Saturday, August 29, 2015

[ Mortgage Broker vs. Bank Manager : which is best? ]

Many people head straight to their bank when it comes time to apply for a home loan, but finance experts warn, you may be missing out on significant benefits if you do.

There are countless reasons why it pays to use a broker when shopping for your home loan, and even if you want to use your own bank for your mortgage, you can still use a mortgage broker to process paperwork and manage the application on your behalf.
 1. Choice
“The biggest advantage of a broker over a bank is choice,” she says. “When you sit in front of a broker you are sitting in front of 10+ banks

2. Experience
Ask your lending manager how long they’ve been helping people with home loans, Simmons suggests. “Brokers often own their own businesses and are committed to their clients in the long term, with many years of industry experience,”

3. Specialisation
If you’re looking for specialised assistance with your loan, it pays to talk to a specialised broker. For example if you’re starting property investing, look for a broker who specialises in property investors.

4. Follow Up
Following up the progress of your loan application is time consuming and frustrating. A good mortgage broker will have a system for chasing you up, keeping you informed and saving you time.

5. Personal Banker
Your mortgage broker is “like the perfect personal banker,” Simmons says

More read : http://m.yourmortgage.com.au/article/mortgage-broker-vs--bank-manager-which-is-best-116816.aspx

Friday, August 21, 2015

FOR RENT : Shop Lot @ Pusat Komersial Seksyen 7

Shop Lot @ Pusat Komersil Seksyen 7 for Rent!!
RM5500/month (Nego)
Rental Deposit : 2month
Utilities deposit : half of rental

:: A Fine Location For BISNES
:: A Shop Lot For Sale @ Pusat Komersial Seksyen 7, Shah Alam, Selangor
:: Built up area 24' x 70'
:: Behind Giant Hypermarket
:: Behind UiTM, Plaza perabot Shah Alam, Mc Donald, Petron petrol station etc


Pusat Komersial Seksyen 7 is an established area combining of residential and commercial lots, with a ready population of students (UiTM), UNISEL and established residents. It is now has high visibility, ample customers and success.


Amenities - restaurants, saloons, stationery shops, sundry shops etc. Giant, KFC and McD are in walking distance.

Easy accessed via Federal Highway, NKVE and KESAS to Klang, Subang Jaya, Petaling Jaya, Kuala Lumpur, KLIA, Cyberjaya amd Putrajaya.

It is just beside i-City : the fully integrated intelligent city, comprising corporate, leisure and residential components such as a 1 million sq. ft. regional shopping mall, office towers, Cybercentre office suites, hotels, apartments, data centers and an innovation center.

For inquiry or to view the unit :
Khairul 0125414096 PEA 1352 RPSJ




Monday, August 17, 2015

HAVOC HARTANAH KEMBALI

HAVOC HARTANAH KEMBALI!!

BELAJAR SELOK BELOK PELABURAN HARTANAH atau KAEDAH/PROSES BELI RUMAH IDAMAN ANDA!


JANGAN BELI MEMBUTA TULI..
KELAK NANTI MENANGGUNG RUGI..
.............................................

YURAN KEBIJAKSANAAN :
#HAVOC for FULLY LOADED 2days = RM90 ONLY!

Sila bank in ke acc cimb KN RICH GOLD TRADING 8600380239


Penting!!
1. Attach resit di PM & notification transfer to khairulnawawi@gmail.com

2. Berikan butiran : Nama, No Telefon, Email

Sila bank in ke acc cimb KN RICH GOLD TRADING 8600-3802-39

Penting!!
1. Attach resit di WHATSAPP 0125414096 OR notification transfer to khairulnawawi@gmail.com

2. Berikan butiran : Nama, No Telefon, Email


Sunday, August 16, 2015

Yet we are in same field.. but our mission is different.. our league or bettlefield is different from yours...

Sembang2 santai...

Semalam kami luangkan masa bersama.. berbincang beberapa perkara..


Utk ke fast track.. Quadrant E dan dan Quadrant S mestilah digabungkan dengan Quadrant I..

I is for investment.. ada pelbagai instrument pelaburan yg boleh digunakan.. setiap 1 nya ada kelebihan dan kelemahan.. strategi perlu diatur sebaiknya..

Yet we are in same field.. but our mission is different.. our league or bettlefield is different from yours...

Kata Prof Hamka...
Jangan berkerja sekadar berkerja.. sebab kera dihutan juga kerja..
Jangan hidup sekadar hidup.. sebab babi di hutan juga hidup.

Kipidap!

Things to consider when buy first property for investment

Sekadar berkongsi..

A few thing to take into consideration when buy 1st ppty for investment


1. Study strength n weakness off differ market of ppty ie undercons, subsale, auction

2. Find target area.. Identify strength weakness off location ie student area.. estimeted avg of level income (potential tenant) etc

3. Supply of ppty available within target location

4. Do homework.. viewing of several ppty.. upon viewing.. get as much as u can information about ppty... such as size, rental, layout, market value, bank loan etc

5. Prepare financial doc..

6. Base on eligibility loan.. find the best property.. maximise loan capability..
bear in mind.. LTV loan  for 1st n 2nd residential is 90%.. for 3rd onwards is 70%..  
7. Narrow down the target area.. ie focus on 10km radius from our home.. easy to managed.. but now we have subletter.. so another option for investor..

8.

9.

10.

Nnti tambah kemudian.. mata dah ngantuk..




Saturday, August 8, 2015

Kisah sewaktu belajar di UiTM Shah Alam... Wang terakhir RM50 dan permulaan kerjaya Ejen Hartanah

ASSALAMUA'LAIKUM WBT

Hari ni saya kongsi sedikit kisah sepanjang perjalanan hidup saya.... Ini kisah saya...

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LIKE FB PAGE : www.facebook.com/mknhomesolution
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Sy mula terlibat dengan dunia hartanah kira2 tahun 2007 (8 tahun yg lalu)



Sy bermula semasa menyambung pengajian degree Pengurusan Hartanah di UiTM shah alam. Secara tidak sengaja kerana ketika itu keadaan mendesak..

Pada 1 ketika.. Rm50 adalah wang terakhir yg sy ada utk dibelanjakan utk tempoh beberapa waktu hingga tamat semester.. jadi sy perlu buat sesuatu..
.
.

1 hari sy ternampak iklan Apartment Baiduri, Seksyen 7 untuk dijual (diiklankan oleh tuan rumah).. saya tahu apartment ini sangat laris.. kerana lokasi nya yg sangat dekat dengan UITM..
lantas sy gunakan rm50 utk beli top up..

Dukacitanya apabila sy telefon no yg diiklankan di balkoni rumah trsebut..
tuan rumah telah berjaya menjual sendiri apartment tersebut..



Hampa betul rasa.. dgn modal terakhir rm50 yg telah dilaburkan sy terpaksa mendapatkan kembali klw tidak bersama untung.. sekurang2nya balik modal sudah cukup..
.
.
Sy cuba mencari rumah utk disewa.. masa tu sy dapat la 1 listing.. rumah sewa di padanh jawa...

Apa lagi saya tgh terdesak..
Terus la sy mulakan tugasan mencari penyewa..
sy belajar iklankan.. masa tu sy guna gerilla marketing strategi.. sy tampal2 je dimana2 lokasi2 strategik..
.
.
.
Alhamdulillah selang beberapa hari.. dpt prospek penyewa.. tapi cabaran seterusnya pulak datang..

Tuan rumah xmau byr komisen saya.. aduuhhhh...

Hmmm... hmmm



Dgn bantuan sahabat sy.. Padil ejen hartanah..

Sy igt lg masa tu.. sy sedang berhadapan dgn tuan rumah dan penyewa2.. kelu saya xtau nak cakap apa..

sy call padil.. beliau tolong ckpkan.. akhirnya.. penyewa sudi byr sedikit komisen sy (amaunnya 1/2 drpd sewa) dan tuan rumah setuju terima deposit 1bulan shj (biasanya 2bulan sekuriti deposit)..

so alhamdulillah dpt lah sy RM250..



Jadi dari situ lah saya bermula.. merangkak sedikit demi sedikit...
.
.
.
Yg penting teruskan belajar dan bergaul dgn right circle of friend!

- Asah skill investment hartanah..
- Asah skill marketing..
- Negotiation..
- Rule and regulation..
- Letakkan matlamat yg jelas..
- Berani..
- Bersemangat waja dan kental mengharungi segala dugaan dan cabaran..
- Mesti berani membuat keputusan..
berani mengambil risiko (maksud saya calculated risk)
- Restu keluarga terutamanya Mak dan Ayah!

Insyaallah kita boleh berjaya!





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Sebelum ini saya adalah kakitangan kerajaan.. saya terpaksa membuat keputusan awal.. saya memilih utk meletak jawatan..
walaupun saya dalam waiting list calon yg berjaya temuduga utk Gred jawatan W41


Ayah saya susah hati saya nyatakan hasrat utk resign.. Ayah saya berharap saya dapat kenaikan pangkat atau bertugas sbg Pegawai Tadbir Diplomatik (PTD) ^^.. 

Lama juga saya cuba terangkan hala tuju dan perancangan saya..
Dihari saya menghantar surat peletakan jawatan.. saya telefon ayah saya dan maklumkan serta meminta restu..


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Sekarang saya PROBATIONARY ESTATE AGENT berdaftar dengan Lembaga Penilai Pentaksir dan Ejen Hartanah No. Pendaftaran PEA 1352 dan saya bernaung dibawah REAPFIELD PROPERTIES SUBANG JAYA



Saya juga pelabur hartanah.. sasaran saya 5 tahun kehadapan ini saya ingin memiliki hartanah Komersil dengan Nilai RM5,000,000!

Saya ada masa 10tahun utk mencapai kemuncak kerjaya.. selepas itu saya akan berehat dan memfokuskan kepada kerja2 amal.. berjalan2.. tingkatkan momentum ibadah..
Pada tahap ini.. wang dan aset saya akan berkerja keras utk menyara saya dan keluarga..


Seterusnya bersedia menghadapi kematian... kerana secara purata umur umat Nabi Muhammad s.a.w adalah sekitar 60tahun - 70tahun..


Jika lebih ianya bonus!



Kipidap! Anda bagaimana???