Living in JB

[vincentck]

thank u wuqi256 bro.. i went to my maiden trip to HH and Nusa Idaman as you recommended. I pretty like Nusa Idaman. Will work out details with my other half. But when I came back home, I realized 1 important thing. My house here in SG not yet 5 years MOP.. can my fiance purchase property in Msia? She's SPR. Our house in SG will probably TOP 2014.

when i arrived at hh guard house, i just ask them where is the showroom and they let me in oredi.. like that consider ok for security?

Bro Vincent, welcome to the forum... just curious, are you born in the year 1977? As for buying the house in Msia, do take the loan under a single name if possible. This is because the 70% max loan restriction for the 3rd home loan onwards only allows people to get higher loans for the 1st and 2nd properties. By limiting the loan to one name, a couple can effectively get higher loans for 4 properties without being limited by the 70% restriction. Additionally, for the 1st property sold in your lifetime, the RPGT can be waived off once.

As for the HH main guardhouse, they don't limit/stop cars. Only the guards at the individual precints will be strict on visitors.

Yes, I tried that coastal highway route in Sep and is able to reach Tuas..

Thanks bro Arsenal. I'll probably drive that route tomoro to work since I can afford to be "late" a bit if I get lost... haha

 

[crystal_tiong]

I gave up my pre 8 endlot due to the 'Surau' there..

i struggled a lot too when I know abt the mosque ...
But Msia is muslim country ,we cant avoid all this if u wan to stay there , 1 learned man in this forum told me this before....
I just cant tahan SG overcrowded , I am like a tourist in my OWN country.
That day i happened to take mrt for lunch and it was so crowded , in the whole cabin I hear only foreign languages , i am the odd one....
I salute those who take public transport everyday .....

 

[investjb]

i struggled a lot too when I know abt the mosque ...
But Msia is muslim country ,we cant avoid all this if u wan to stay there , 1 learned man in this forum told me this before....
I just cant tahan SG overcrowded , I am like a tourist in my OWN country.
That day i happened to take mrt for lunch and it was so crowded , in the whole cabin I hear only foreign languages , i am the odd one....
I salute those who take public transport everyday .....

agreed. i was sad to give up the unit also. if for own stay, i wont mind, but i bought it for investment. when come to think of who will buy from me in future, the only group is 'Sin Malay'. so no choice but to give up.

 

[Vincent77]

Bro Vincent, welcome to the forum... just curious, are you born in the year 1977? As for buying the house in Msia, do take the loan under a single name if possible. This is because the 70% max loan restriction for the 3rd home loan onwards only allows people to get higher loans for the 1st and 2nd properties. By limiting the loan to one name, a couple can effectively get higher loans for 4 properties without being limited by the 70% restriction. Additionally, for the 1st property sold in your lifetime, the RPGT can be waived off once.

As for the HH main guardhouse, they don't limit/stop cars. Only the guards at the individual precints will be strict on visitors.

Thanks bro Arsenal. I'll probably drive that route tomoro to work since I can afford to be "late" a bit if I get lost... haha

Thanks for the welcome fellow Vincent. Yep, I'm born in 77 (mid 30s liao, getting old) so I want to plan my life effectively. Like Crystal, i felt like a tourist in my own country. That's when I started to look at properties in Msia, initially in Penang because I quite like the place. Grateful for the tip! We'll use 1 name, still deciding whether to take the plunge though I have 3 days to make my decision as the early bird discount will cease.

 

[crystal_tiong]

agreed. i was sad to give up the unit also. if for own stay, i wont mind, but i bought it for investment. when come to think of who will buy from me in future, the only group is 'Sin Malay'. so no choice but to give up.

oh , for investment , look for other areas like BH , Nusa Duta and HH ...
N.idaman is more for own staying .....

 

[LGLab]

i really would want to move over....... hope to do it immediate.. but i hate it when i am still taking my basic theory now..

 

[crystal_tiong]

Thanks for the welcome fellow Vincent. Yep, I'm born in 77 (mid 30s liao, getting old) so I want to plan my life effectively. Like Crystal, i felt like a tourist in my own country. That's when I started to look at properties in Msia, initially in Penang because I quite like the place. Grateful for the tip! We'll use 1 name, still deciding whether to take the plunge though I have 3 days to make my decision as the early bird discount will cease.

For long term staying , try driving there during peak hours like after work and see if u think u can adapt ? With e new coastal highway from causeway , its so convenient to reach NI , dun have to pay so much for tuas tolls charges. I tried leaving 5.30pm from my Bk Timah Office (near little india mrt) , I can reached NI at 6.30pm with heavy rain like last Thursay.
If for weekend house , its fine .

 

[LGLab]

oh , for investment , look for other areas like BH , Nusa Duta and HH ...
N.idaman is more for own staying .....

im intending to buy HH for own staying, becus for the scenery it can provide for the elderly..

may parents are both 69 and 73 .. im age 28.. im adopted. single kid,... married with a new born and a PRC wife..

 

[LGLab]

for long term staying , try driving there during peak hours like after work and see if u think u can adapt ? With e new coastal highway from causeway , its so convenient to reach ni , dun have to pay so much for tuas tolls charges. I tried leaving 5.30pm from my bk timah office (near little india mrt) , i can reached ni at 6.30pm with heavy rain like last thursay.
If for weekend house , its fine .

i want my license!! !:(:(

 

[crystal_tiong]

im intending to buy HH for own staying, becus for the scenery it can provide for the elderly..

may parents are both 69 and 73 .. im age 28.. im adopted. single kid,... married with a new born and a PRC wife..

oh , HH is gd but new phase are too ex for me to afford ....
Since yr kid still young , I think its ok to stay in JB . And when he is ready to go school then u will have tough decision whether to send him back to sg or stay in msia to study ....
Yr parents can drive ? Else always stay at home also boring . Unless u buy at Duta , its within walking distance for eateries and shopping too.

 

[spidey]

arent the SPA the stamping fee?

What does SPA stands for anyway?

Sale and Purchase Agreement

There are 2 - one for the purchase of the house and the other is btw you and the bank. hope this helps..

 

[vincentck]

for that 4.2% , normally it last for how many months with that fixed interest?

How often it gets readjusted?

I don't think that the readjustment time is fixed like the 90 day or 6 month SIBOR. Here are the historical rates that will give you an idea of the volatility:

http://www.blr.my/blr-history.htm

To your other question on refinance, depends on the lock in period offered by the bank. In my case it is 3 years and as far as I remember, I have to pay a 2% penalty in case I redeem earlier.I came across some banks that offer no lock in but the rates were a bit higher.

It's for the whole term bro, if blr changes, the bank will adjust the tenure of yr loan....goes up, you pay longer, goes down you pay shorter tenure...
And the int charged if full repaid...put it this way, you almost can get another 1/2 a house!! I think!!

Hi bros, to answer your queries and clarify some information, in Msia the home loan packages are always BLR+/- x.x%, currently one can get BLR-2.5% for whole tenure, which gives a effective rate of 4.1%. However, when the economy improves, the BNM (Bank Negara Msia or Bank of Msia) may decide to increase the OPR (Overnight Policy Rate) which will affect the BLR. BNM will usually have a meeting every 2-3 months with the OPR as one of the agenda. So from a current BLR of 6.6%, it may rise to 6.75%. Since the loan package remains the same, BLR-2.5% becomes 6.75-2.5% which means your effective interest rate has increased to 4.25%. When this happens, the tenure remains the same and your monthly installment will increase. The banks may wait a while before they increase your installment amount. This happened to my wife's loan with Alliance Bank, increased from RM828 to RM976.

My lock-in period for my loans range from 3-5 years with penalties of 2-3% on the loan amount. Calculation for the lock-in period starts from date of 1st disbursement.

Just signed up for it yesterday and awaiting installation next week. They have to pull the fiber optic cable from the junction point outside (a green looking metal junction sitting on top a concrete slab).

Unifi should be faster than Streamyx as Unifi runs on a dedicated fiber optic cable network as opposed to Streamyx which rides on typical common telephone copper wiring.

Hi bro, Unifi is definitely much faster than Streamyx. With the 5Mbps package, I can get maximum downloads at speeds up to 550kBps consistently in my KL apmt; while my friend has the 10Mbps package gets double the download speed. Just question for you, is the contract for 2 years? What happens if one needs to move house before the 2 years is up? Thanks.

 

[crystal_tiong]

i really would want to move over....... hope to do it immediate.. but i hate it when i am still taking my basic theory now..

within 1 yr can get license de, u u still need time to renovate yr house unless u like the previous owner design . thats apply to buy direct from developer....

 

[crystal_tiong]

i want my license!! !:(:(

yes yes i know , i am replying to vincent77 la ...

cheers

 

[spidey]

oh sorry , i mistaken always , its called end lot ? beside intermid lot.
only 10 ft extra ...my furkids are small so gd enough for them to roam ard...

Me too - gots somethign similar to yrs....with 10 ft land...but not NI...but in Bandar Dato Onn....looks like a lot of ppl here is going for land! hehhheh

 

[crystal_tiong]

Me too - gots somethign similar to yrs....with 10 ft land...but not NI...but in Bandar Dato Onn....looks like a lot of ppl here is going for land! hehhheh

Until now , I yet to been to Bandar Dato Onn and Kempas to see house ....

 

[vincentck]

agreed. i was sad to give up the unit also. if for own stay, i wont mind, but i bought it for investment. when come to think of who will buy from me in future, the only group is 'Sin Malay'. so no choice but to give up.

Actually that may not be entirely accurate. I'm optimistic that other races will buy too, whether Msian or Singaporean as long as it is not too near to the mosque. I have a corner unit in NI P8 which I plan to sell in 2 years time or when the price is right. I believe by then, RM700k will be possible provided all the other developments proceed as scheduled.

Thanks for the welcome fellow Vincent. Yep, I'm born in 77 (mid 30s liao, getting old) so I want to plan my life effectively. Like Crystal, i felt like a tourist in my own country. That's when I started to look at properties in Msia, initially in Penang because I quite like the place. Grateful for the tip! We'll use 1 name, still deciding whether to take the plunge though I have 3 days to make my decision as the early bird discount will cease.

Bro Vincent, i'm born in year 77 too... all the best to you in your decision.

im intending to buy HH for own staying, becus for the scenery it can provide for the elderly..

may parents are both 69 and 73 .. im age 28.. im adopted. single kid,... married with a new born and a PRC wife..

Wow, 28 yrs old and venturing out... that's good that you're dare to do it. Fortune favours the bold!

Sale and Purchase Agreement

There are 2 - one for the purchase of the house and the other is btw you and the bank. hope this helps..

I thought the document between buyer and bank is just the loan agreement, whilst SPA is commonly the term used to describe the agreement between the vendor (seller) and the buyer.

 

[vincentck]

List of forummers who have purchased or intend to purchase property in Johor. Hope those guests who are following this thread actively will also create their own account and join 'The List'. (Copy the whole list including this heading. Click 'Reply to Thread'. Paste it in your reply and add your nick and nationality to the list.)
# IMPORTANT - For new members, please try to make your first 10 post anywhere else before adding your nick to this list.

1. Wuqi256 (Singaporean) - The Gateway, The Golf, Nusa Duta -
Wuqi256 sisters (Singaporean), sister bf (SPR, East Malaysian [Kuching, Sarawak]). Wuqi256's relatives(Singaporean), friends (Singaporean, Malaysian (Malacca, KL, Kedah, Pahang, Kelantan [Tenant]), German, Australian, Korean)and colleagues (Singaporean, Malaysians, soon to be Italian and UK)
-Total 29 (updated) bought so far in Nusajaya
2. Investor (Singaporean) - Nusajaya
3. Analytical Professor (Singaporean) - Kempas
4. Sanur - Leisure farm/polo view
5. Sanur's mum - Leisure Farm/bayou water village
6. Sanur's SIL - Leisure Farm/polo view
7. Jasonjst - Sutera Utama
8. Tansi - Leisure Farm
9. relaxmannn (Singaporean) - Nusajaya
10. nusajayaphile (Singaporean) - The Hills Precinct, Horizon Hills
11. Mahesh - Leisure Farm/pinggiran bayou
12. East539 (Singaporean) - Nusajaya
13. East539's Sis & Bro in law (Singaporean) - EL/LF
14. JazJoz - Horizon Hills
15. Lynn - east Ledang
16. TheGolf - HH
17. Grago. - Horizon Hills
18. Arsenal (British, North London, home of the gunner) - Horizon Hills
19. Vincentck & Wife (Both Msian, Vincent from Ipoh, Perak; wife from Selangor) - NI
20. mathstub- Horizon Hills
21. ShawnLow (Malaysian, JB Skudai) - Bestari Heights - Astoria
22. Skippy - Horizon Hill The Golf
23. LastResort Family (Singaporean) - Horizon Hills, The Gateway, The Hills & Fairway Suites
24. Kaeel - Nusa Idaman , Hill side Semi D
25. Lord Aragorn - The Straits View Residences, Permas Jaya
26. cathylmg (Singaporean) - Kempas
27. captw - Bukit Indah, Amelia 1
28. mallow - Nusajaya
29. IskandarRocks (Indian, Sg PR) - East Ledang, Imperia@Puteri Harbour
30. euphony - LF & mt. austin
31. narmi - NI
32. maxpark - Fairway Suites, Indahwalk3
33. Avalon74- Setia Eco Garden
34. Yonglip - Bestari Heights
35. AbuGumGum - Sungai Chat, Johor Bahru
36. 2bFree - HH
37. Aisanbo (Singaporean) - Sky Gardens Residences @ Setia Tropika
38. 29ers - LF
39. Weetabix - HH
40. SeriAustinian - Seri Austin, HH South Golf
41. iamapseudoneem - Nusa Idaman
42. Puteri Harbour (Singaporean) - Imperia@Puteri Harbour
43. Odyssey - HH-Golf
44. darrkie.y - taman molek
45. Leisure - KIV leisure farm pinggiran bayou, east ledang or 1 medini
46. avelc - Nusajaya
47. linked (Singaporean) - East Ledang
48. investjb (Malaysian, Sarawak) - Impiana, Ujana, Casa Almyra, Golden sands, horizon residence
49. limmcd (Malaysian, Johor, Sg PR) - HH, BI, Ujana, Fortune Point, Nusa villa, Horizon Residence
50. spidey (Malaysian, KL, Sg PR) - Bandar Dato Onn
51. Icyraine (Malaysia, Born in Penang, Grow up in KL, Work in JB) - HH (going to seal the deal on coming monday!), Sri Samudera, Golden Sands
52. Blue_S (Malaysian, Sarawak, SPR) - Ujana, Horizon Residence
53. fairies (Singaporean) - Ledang Heights
54. Fairwaysuites (Malaysian, Penang, SPR) - HH Golf and Fairway Suites
55. Ray2104 (Singaporean) -D'Esplanade Residence @ KSL City

 

[crystal_tiong]

Hi Crystal sis, nothing to be afraid of. It is considered very very safe in JB. We have traveled to a small town in Masai and it is full of people. But you will never want to drive there especially in a continental MPV like we did. For the few hours we were there, we did not see a single Singapore plated car. We drove to the town centre but had to quickly make a u turn back to Seri Alam because the place is really scary. You see all kinds of people walking around, suddenly you can see a gang of people walking towards your car and you know your sg plated car stands out. Damn, almost had a hard time making that U turn. It is more scary than going to Pontian Kukup or any other cowboy town in JB.

still scare scare , coz i was driving alone and scare tyre burst , engine die on me etc ....surroundings only trees ....

 

[crystal_tiong]

My first day of driving in from HH to work; left the house at 7.20am and reach office by 8.30am. Stress-free because there was little traffic at both immigration points and I sat all the way from Joo Koon mrt to Tiong Bahru mrt; while my wife drove the car to her office at Tuas. But it could be lesser cars now because of the school holidays; so hopefully the traffic won't be too bad once school opens in January.

Vincent

How is it living in HH compare to SG ? Did u have a smooth moving?
Hope u will also let us know any gd eateries ardound the area.

Cheers