Buying a property in Taman Alam Perdana is a hazardous process that requires a lot of brainstorming before taking on this process. The most important thing about a property is for you to decide whether you genuinely need to it buy or not. 

Suppose you intend to buy an LBS Alam Perdana townhouse. In that case, you need to know several things before proceeding with this process. These facts will help and enable you to go about this process in the right and well-informed way.  

The Type of Puncak Alam Property You Need?  

There is a big difference between the kind of Puncak Alam property you need to buy and the right property. Before contacting your banker, you need to take your time and interrogate yourself about the kind of property you actually need.  Visit our website!

Once you have an idea of the kind of property you need, which should be the right property, you need to now look at the property’s location. There is no point in you having the right property in the wrong place. That is not right at all. Once you know the kind of property, you need to balance that out with a proper location. If need be, look for a Sungai Buloh landed property for sale for safety. Contact us now!

Variety of Shah Alam New Property 

Suppose you are looking for a property in Taman Alam Perdana; you need to be open-minded. There are quite a variety of properties these days that are up there for selection. Suppose you are looking for a shah Alam new property. In that case, you must take your time to look at the available variety before making your choice.  

The most important thing for you is to find the right property coming to you at the right price and in the correct location. To find such a property, you need to look around carefully and see which of the properties available are the best for you.  Learn more here!

Do Not Buy Property Out of Emotion 

Up until now, people have allowed emotions to cloud their minds when looking to buy, leading to a wrong buying decision. This is something you need to be avoiding at all costs if you are looking to buy Rawang new property and buy the right one.  

As you look set to buy a property, you need to keep your mind-independent and buy according to your needs. Buying due to emotion has in many cases led to people regretting it afterwards. Allowing emotions to get the better of you when buying a property is something you need to be avoiding at all costs.  

Check The Property Neighbourhood

Do not just buy a property anyhow from any other Bandar hill park Puncak Alam. Buy a property from the proper location in the right neighbourhood. You do not want to buy a property in a place that will compel you to move out after a short time. As such, it is crucial for you to carefully choose where you buy a property for you to be on the safe side of things.  

Before buying a Damansara new property for sale, you need to put many things into consideration. The article above contains some of the things you need to consider before property for any reason. Stick by these factors and you will have a property that you will enjoy.

Most companies spend so much money trying to make sure that intruders are kept out of their businesses and whatever they need to keep safe is kept safe. However, as you might know, these are times where technology has become the order of the day. As a result, there is an increased threat to companies, especially to the essential data of these companies, which has even made a cyber training course in Malaysia important. 

Hacking has been one of the threats that many companies have had to deal with. Some have succeeded while others fail on this. However, with the overwhelming threat to data in most companies, it has become essential for companies to look for the best digital forensic Malaysia security. 

Penetration Testing Is Very Essential 

The best way to determine how vulnerable your company is to external cyber-attacks is by running penetration testing on a company software infrastructure using a penetration testing company. This way, you will tell where the problem is and fix them before something terrible happens. 

However, it is not just any other pentest company Malaysia out here that can offer you the best of these services. Therefore, to get the best out of any such process, you need to choose only the best company out of either the top ten pentest companies or any other area to carry out this process for you. 

Given the hassles that come with finding such a company, it is wise to offer you some essential tips that can go a long way in helping you find the right penetration service providers. These factors are well thought out to help you get the best company out there in the business.

Understand The Threats Facing Your Company

According to a computer forensics Malaysia report, many companies face cyber-attack challenges. These threats vary from one company to the other. Before looking for any company to offer you penetration testing services, you need to make sure that you are aware of threats that your company is exposed to. Discover more here!

This way, you will look for the best penetration testing company that majors in your area of threat that your company is exposed to. The company will do anything possible to make sure that they offer you the best services that will help you get the best penetration testing services and forensic services in Malaysia in the long run. 

The Reputation Of The Penetration Testing Firms

Any penetration testing services from LGMS Malaysia can help you identify areas of vulnerabilities within your data and software infrastructure amid the increased cyber-crime cases in Malaysia. Once you have recognised these areas of fragility, you will be able to do something about them. Therefore, it is right to at least find out from a PCI DSS companies Malaysia and how they have been able to help companies abet any infiltration attempts from people of malicious intent. 

Experience of The Penetration Testing Firms

This is one thing that cannot be ignored when looking for the best penetration testing companies. Without being unfair to the upcoming companies in penetration companies with cyber-security training in Malaysia, these might not be the right companies if you have some severe threats to your essential data. 

Suppose you have to get the best out of this process. You need to look for a company in this business for quite some time and with a Cask training course Malaysia. You need to consider experience when looking for the right companies to help you carry out this process and do so in the right way. Contact us for more info!

Penetration companies play a significant role in ensuring that they help companies identify weaknesses within their data infrastructure and fix them soon. Given this essence, it is crucial to find the best company in the business to help you carry out this process ideally suitable, provided they have cox certification training in Malaysia. With the factors listed above, you will find the best penetration company that will deliver the best services to you in the end. Learn more here!

Hendak beli rumah pertama tetapi anda rasa gaji terlalu kecil? Gaji kecil tidak semestinya akan menghalang anda daripada membeli rumah pertama. Anda boleh guna beberapa cara untuk membeli rumah pertama anda. Sebagai contohnya, anda boleh memohon pinjaman perumahan dengan membuat kira-kira asas berdasarkan gaji anda. Anda juga boleh mempertimbangkan beberapa skim rumah mampu milik yang ditawarkan di Malaysia. Artikel ini akan memberi anda panduan dan juga tips beli rumah pertama untuk menolong anda. Lihat lebih di sini!

Berapa Pinjaman Perumahan Yang Anda Layak Mohon?

Di sini adalah cara kira loan rumah yang paling sesuai. Menurut Bank Negara Malaysia (BNM), anda layak untuk memilik harta tanah kediaman sekiranya pembayaran bulanan pinjaman perumahan anda tidak melebihi 30 % daripada gaji bulanan kasar anda.

Gaji kasar adalah gaji yang anda dapat sebelum ditolak cukai, perbelanjaan, dan lain-lain. Oleh itu, kalau gaji anda adalah sebanyak RM 3,000 sebulan, pinjaman perumahan bulanan anda tidak patut lebih daripada RM 900. Anda juga boleh menggunakan kalkulator loan rumah untuk menganggar harga rumah yang anda mampu milik.

Anda juga boleh menyemak senarai pinjaman Islamik yang ditawarkan di Malaysia. Pinjamik Islamik mempunyai beberapa kelebihan berbanding dengan pinjaman konvensional di mana kadar keuntungan tetap adalah lebih rendah, dan ia tiada caj proses atau caj penamatan awal.

Sebagai warganegara atau penduduk tetap di Malaysia, anda boleh melakukan pengeluaran KWSP untuk beli rumah. Tindakan ini boleh dilakukan melalui duit daripada Kumpulan Wang Simpanan Pekerja (KWSP / EPF) akaun nombor dua. Duit dari akaun ini boleh dikeluarkan untuk sebab tertentu dan salah satu sebab adalah untuk beli harta tanah atau rumah pertama anda.

Semak Sejarah Kredit Anda Sebelum Beli Rumah Pertama

Untuk meningkatkan kemungkinan untuk pinjaman diluluskan, ia adalah sangat penting untuk memahami dan menyemak sejarah kredit anda. Pertama sekali, anda perlu memahami penghalang utama iaitu Nisbah Khidmat Hutang, ataupun ‘Debt Service Ratio (DSR)’.

Bank akan menggunakan Nisbah Khidmat Hutang sebagai formula ratio untuk menilai sama ada seseorang itu layak untuk mendapat pinjaman daripada bank. Bank akan kira sejauh mana kemampuan anda untuk bayar balik hutang setiap bulan.

Selain itu, anda juga perlu semak laporan CCRIS dan CTOS. Di sinilah merupakan semua maklumat kredit dari pelbagai syarikat kewangan di Malaysia. Bank boleh semak maklumat seperti pinjaman peribadi anda untuk membuat keputusan atas setiap permohonan pinjaman perumahan.

Kos Lain Yang Terlibat Semasa Beli Rumah Pertama

Setalah anda sudah mengetahui jumlah pinjaman yang anda layak untuk memohon dan jumlah pinjaman bulanan yang anda perlu bayar, sekarang anda perlu memahami kos lain yang terlibat dalam proses membeli rumah. Terdapat banyak kos yang dapat memberi kesan negatif sekiranya tidak ditangani. Cari rumah idaman sini!

Yuran Tempahan

Sebelum anda membeli rumah pertama anda, anda perlulah membayar yuran tempahan terlebih dahulu. Secara kebiasaan, yuran tempahan ialah kadar bayaran yang berjumlah sebanyak dua atau tiga peratus daripada jumlah pinjaman perumahan.

Bayaran Pendahuluan

Apabila anda sudah menandatangani kontrak sah yang menggariskan segala butir penjualan rumah antara pembeli dan penjual, iaitu surat perjanjian jual beli, langkah seterusnya ialah anda perlu membayar 10 % daripada jumlah pinjaman perumahan. Daftar minat sini!

Memorandum Pemindahan

Di sini ada duti setem untuk memindahkan hak milik rumah kepada nama anda. ‘Memorandum of Transfer (MOT)’ adalah salah satu kos yang paling besar dan ia sebanyak antara 1 % hingga 4 % dari harga jualan harta tanah. Caj MOT adalah seperti berikut:

• 1% bagi RM100,000 yang pertama
• 2% bagi RM400,000 yang seterusnya
• 3% bagi jumlah yang tinggal

Yuran Guaman buat Surat Perjanjian Jual Beli (SPA)

Terdapat juga yuran guaman untuk memperoleh surat perjanjian jual beli (SPA). Yuran tersebut adalah sebanyak 1 % bagi RM150 ribu yang pertama dan 7 % bagi jumlah yang tinggal. 7 % itu bagi rumah yang bernilai di bawah RM 1 juta.