Our 1st House Officially

Our Target Before 30's years old

buy our 1st House

Than that time me 27 years old & husband 28 years old 

Than Officially get the Geran Tanah with our name on it..

we so excited, speechless, cry & touch 

Chronology 

after almost 2 years working on it 

1. we survey on end of 2015

2. than decided to buy on Jan 2016 (Pregnant 2 month)

3. Booking on the same month

4. Mac 2016 do some personal load on Aoen for the 

*3.2% booking (RM10,500.00) 

*settle of pending payment for PTPTN (RM4,500.00) 

*Pay for Jurunilai (RM1,200.00)

*Lawyer Bank fee (RM2,000)

*repair car (RM3,000.00) 

5. Jan -Feb 2016 try loan for all bank

6. April 2016 sign Agreement with bank 

*pay the lawyer bank fee RM 3,000.00 balance

7. Mei 2016 sign agreement S&P lawyer
*pay the lawyer S&P fee RM 4,000.00 

8. Aug 2016 wiring the house (from our bones payment) RM2,000.00

9. Sept 2016 rent our house before change title (deliver my baby)

10. May 2017 Personal Loan with Office to pay 

* full settlement car RM 4,000.00

*5%  RM 16,500.00 owner 

*repair car (RM1,000.00) 

*table tob RM3,500.00

11. June 2017 KWSP payment pay to 6.8% for deposit 

12. July 2017 pay balance lawyer S&P fee and 6.8% deposit RM 25,300.00

13. Officially 1st payment to bank on Aug 2017

14. change title on GERAN TANAH on Dec 2017

(Officially our house this time)

The house price RM330,000.00 

(Bank loan Pass is 85%+insurance RM295,000.00)

so, 

1. Booking fee (3.2%) RM10,500.00

2. Deposit Fee (6.8%) RM22,500.00

3. Bank loan not cover 5% RM16,500.00

4. Lawyer S&P fee RM7,000.00

5. Lawyer bank fee RM5,200.00

6. Evaluator RM 1,200.00 

7. Pending PTPTN RM 4,500.00

8. Wiring & Lamp RM 2,000.00

9. Safety Grill RM 1,800.00

10. Table Top kitchen RM3,500.00

11. full settlement car RM4,000.00

12. Repair Car RM4,000.00
13. Deliver Baby RM2,000.00

13. Misc RM3,000.00+/-

TOTAL IS RM 87,700.00+/-

Fund we get from (no funder oky!!)

1. Personal Loan Aeon RM 22,00.00++ 

2. Kutu RM4,500.00

3. Saving Money RM3,000.00

4. Saving Company bones RM 7,000.00 

5. Company personal loan RM 25,000.00

6. KWSP combine RM 26,500.00++

TOTAL IS RM 88,000.00+/-

so now we pay for this house is double the month installment 

- Bank installment is RM1,370.00

- Personal Loan Aoen RM508.00

- Office loan RM500.00

TOTAL IS RM 2,378.00 EVERY MONTH UNTIL 5-6 YEARS 

so this payment for our sacrificed SEKIAN

p/s - Nasihat kasih sayang untuk orang muda macam saya, dari keluarga sederhana, manage your money. Jangan shopping to over bila dapat bones or duit terpijak, fikir dulu mana yang penting dulu sebelum beli. Boleh shopping but please budget your money and commitment dulu. Jangan bulau mata hokey. hehehe