房屋买卖的基本资讯

我以前是对地产一窍不通的，也没什么兴趣去了解。自从毕业后，这种不食人间烟火的日子过了几年，突然发觉，地产也是一种不错的投资方式。呵呵，最近发奋图强找了很多关于房屋买卖的基本资讯，开始去吸收更多这方面的知识。所谓知识就是力量，我对数字一向毫不含糊，很有概念，所以在吸收的过程我乐趣无穷。好吧，先把我最常用的LINKS放上来，方便大家(其实也包括自己) 也来看看这些必须要有的概念：

房屋贷款：
http://thestarpropertyloan.money3.com.my/financialtool/RepaymentCalculator.aspx

房屋买卖的成本：
http://thestarpropertyloan.money3.com.my/financialtool/EntryCostCalculator.aspx

买屋需要多少现钱：

http://www.fiscal-wise.com.my/FiscalWiseWeb/FinancialTool/PurchaseFromDeveloper.aspx


先了解自己的财务状况，才看看有没有适合自己的投资。

而房屋买卖有两个主要的费用：买卖合同 & 贷款合同

1. 买卖合同 （S&P）的费用是以屋价来算的：

屋价 = RM 250,000

a) Legal Fee：
First RM 150,000 = 1.0% (minimum fees of RM 300)
Next RM 850,000 = 0.7%
Next RM 2,000,000 = 0.6%
Next RM 2,000,000 = 0.5%
Next RM 2,500,000 = 0.4%
Excess RM 7,500,000 = Negotiable (not exceeding 0.4%)

Example:
RM 150,000 = 1.0% x RM 150,000 = RM 1,500
RM 100,000 = 0.7% x RM 150,000 = RM 700
Legal Fee = RM 2,200

b) Stamp Duty:
First RM 100,000 is at 1% of the value
Next RM 400,000 is at 2% of the value

Example:
RM 100,000 = 1.0% x RM 100,000 = RM 1,000
RM 150,000 = 2.0% x RM 150,000 = RM 3,000
Stamp Duty = RM 4,000

c) Disbursement fees: Land search + Q.A Search + Affirmation and etc
~= RM 200 - RM 400

d) Others: Miscellaneous + Transportation
~= RM 150 - RM 250


2. 贷款合同 （Loan Agreement）的费用是以贷款数额来算的：

贷款 = RM 200,000

a) Legal Fee：
First RM 150,000 = 1.0% (minimum fees of RM 300)
Next RM 850,000 = 0.7%
Next RM 2,000,000 = 0.6%
Next RM 2,000,000 = 0.5%
Next RM 2,500,000 = 0.4%
Excess RM 7,500,000 = Negotiable (not exceeding 0.4%)

Example:
RM 150,000 = 1.0% x RM 150,000 = RM 1,500
RM 50,000 = 0.7% x RM 50,000 = RM 350
Legal Fee = RM 1,850

b) Stamping of Original Loan Agreement
= RM 1,000 (RM 200,000 x 0.5%)

c) Disbursement fees: Title search + Bankruptcy search + Affirmation and etc
~= RM 300 – RM 500

d) Others: Miscellaneous + Transportation
~= RM 150 – RM 300