Categories意见

买房常见的误区或陷阱

2021年03月17日

苏莱曼
Rahim & Co研究总监

 

 

买房,考量时别忘记这些因素:

2019 年6月杪,财政部发布了一个声明,指为了提高大马人的拥房率并减少滞销房屋数目,政府决定延长2019年拥屋计划(HOC)6个月至今年12月31日,让房屋首购族继续享有豁免印花税的优惠。

HOC是房屋及地方政府部与大马房地产发展商会(REHDA)的一项合作计划,原本实施期是从今年1 月1 日至6 月30 日。

2019 年7 月25 日,房政部推出一项为期3 个月的线上产业博览展销会,由Hartabumi.com主导。它提供全国超过100 个房屋计划的房产,这项线上博览展销的房产包括国家房屋局、“我的雪兰莪房屋”(Rumah Selangorku)、“我的霹雳州房屋计划”(Rumah Perakku)及直辖区住宅(Residensi Wilayah)下的可负担房屋计划。

通过2019 年的上述拥房运动,及发展商在缓慢的市场(足以从交易活动缓慢及未售出但已建竣的单位持续增加的现象显示出来)下致力推售房产,很清楚的告诉我们正面对着一个买家的市场(Buyer’s market)。未售出的已建竣住宅单位包括服务式公寓的数量,在2019 年首季是4 万5949 个单位。

在大量的房产可供选择及日愈高明的卖房手法下,任何一位购屋者都会很容易在买房时犯下一或两个失误。在面对数以十万令吉计的买房交易下,只要你犯下一个错误,就足以大幅度影响你未来的生活及财务能力的可持续性。

以下是仓促或认知不足下买房时,一些较常见的误区或陷阱:

1)一见钟情式的买房心态

第一眼就被房产的吸睛设计和配套吸引的情况下,你会被误导至不想错过而在没考虑之下就买房。虽然良机不应被忽略或因太悲观和太谨慎而被错过,但也不应该一见钟情而全神爱上并决定买下它。买房子其实很大程度上与买一件限量版设计的衣服或一个即兴的旅游配套不同。买一间房子,会使你在未来20 或30 年肩负偿还房屋贷款的重大负担,这偿贷承诺将对你未来的消费模式,带来影响。

在目前市场上有大量献售房子及发展商在卖房配套上越来越具创意的“买家市场” 情况下,任何有意卖房的人士会轻易受到房产照片及房产周遭明媚的风景所诱惑而蠢蠢欲动,恨不得马上签下买卖合约。但是,请莫忘记,就像照片底下印着的注明一样,“有关照片只是供参考的图片”而已。

一旦难以抗拒的售屋献议来到你跟前,签署买卖合约之前,你须先做一些市场研究的功课。彻查是否存有你可能忽略的隐藏成本,并调查最终交到你手上的房子,是否会像发展商的种种献售文案中所承诺的一样如假包换。这点可以从亲自去该房产的建筑工地实地考察,或从该发展商过去的项目表现中看出来。若有任何红旗(疑问)冒出来,你就必须警惕及再做调研。

2)面积很重要……不!

马来西亚人民普遍上期盼坐拥面积适当且拥有足够的泊车空间和花园庭院的有地房宅。在土地越来越稀有及昂贵的情况下,全新的有地房产,如今只能在市郊找到,而且一般上地点越远,其房价就越低。

在拥有梦中房子的先入为主心态下,买家会马上觉得一间面积宽大的有地房产若价格大约订于50 万至70 万令吉,就会是一个不错的选择,但是,兴奋冲破头脑的情况下,他们看漏了眼,没想到该房产比他们想像和预料中离城市或就业地点更远,终于入伙两星期后,瞬间会发现不论去上班、休闲或送孩子上学时,所花在路上的时间和路程突然剧增。结果是你背负了很高额的贷款负担及为了新的生活,而肩负了更高的日常开销。

对于我们之中的很多人来说,要很自在地买下一间有地房产而且之后仍能维持住在繁华城市附近的美梦,如今已不会成真。城市化下的现实是,要住在城中,就要牺牲对房宅面积的要求,选择较小的房子吧。这现实在所有发达或先进国家常见,人们更多时候是住在城中高楼公寓的小单位里。最终事实是,这已不仅是找到令你可以活得自在的最佳房产选择,这也是在很多人能力所及下找到足以让他们在未来数十年过着不会抓襟见肘的生活品质的最佳选择了。

3)不要紧啦,我信他们

就算卖房的一方看来善待客户和通情达理,也别相信他们所说的每一句话。你必须亲眼看到卖方履行承诺,或寻求协助。之前说过,房产照片和录影只是供参考,而展示屋金碧辉煌的家具与设计,志在吸引潜在买家。签下买卖合约前,你必须自行到实地去观察。确保品质与安全就像卖方所承诺的一样,而且房产没有缺陷,这可避免墙壁有龟裂或住进去一周就出现水管破漏等令人烦不胜烦的破财消灾问题。

你不仅须亲自查察目标房子,连环境优劣也别放过。看清楚周遭的公共设施和生活便利是否充足,翠绿的公园是否维持良好,你是否看到任何被疏忽或妄顾的迹象?没有人愿住在一个短期内就问题多多的地方。这对一个全新发展开始的新市镇的房子来说,尤其重要。虽然有关地区被形容为绿色天堂,但若欠缺良好的照顾,绿色会褪色,天堂会变不宜居的地方。

4)义无反顾

义无反顾听来很具激励性,但在买房时可千万不能有这心态。

如今,你买的第一间房子未必是你一生中最后一间房子,如今经济和就业越来越灵活的情况下,你可能会比你父母更频密地换工作,包括更频密需要搬迁,太早把一辈子的安居乐业“定格”于一个地点,要搬迁或转售你的房子并不容易,尤其在目前的房市情况下,而且还胥视你的房子所在地点。

除非你有闲钱,买第一间房子的钱对你来说只是零花钱,否则,不建议你第一次出手就大手笔,而花钱时应留下一个足以囤粮以安度雨天的空间。提升房产如提升汽车一样普遍,虽然没那么频。别把自己套牢于一个相对无法未雨绸缪的未来境况下,更重要是认清自己现在最需要什么,和以后想要什么。

最终,在签下任何需要你在未来30 年履行的财务承诺的半个百万令吉房屋买卖交易前,谨慎及周详是必要的。在广告宣传及市场行销手法越来越科技化和高超时,我们会很容易受到诱惑,而陷入一宗超过我们能力所及和非我们所需的房产交易里,这劣况可通过预防步骤避免。

在一个已出现步步为营和欠人问津的市场,购屋者必须趁这时候耐心和谨慎地做出选择。这不仅关系到目前你想拥屋的事,而是为你的未来,留下一个成长和发展的空间及机会。

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    All trademarks, service marks and logos displayed in this web site are the property of property.eNanyang.my and/or their respective third-party proprietors as identified in the web site. Unless the prior written consent of property.eNanyang.my or the relevant third-party proprietor of any trademarks, service marks or logos appearing on the web site has been obtained, no license or right is granted to any party accessing this web site to use, download, reproduce, copy or modify such trademarks, service marks or logos. Similarly, unless the prior written consent of property.eNanyang.my or the relevant proprietor has been obtained, no such trade mark, service mark or logo may be used as a link or to mark any link to the property.eNanyang.my web site or any other site. Just as property.eNanyang.my requires users to respect our copyrights, and those of our affiliates and partners, we respect the copyrights of others. If you believe in good faith that your copyrighted work has been reproduced on our site without authorisation in a way that constitutes copyright infringement, you may notify our designated copyright agent either by mail to Nanyang Siang Pau Sdn Bhd, No. 1, Jalan SS 7/2, 47301 Petaling Jaya, Selangor, Malaysia or by email to prop@eNanyang.my.

    This site is available “as is” and “as available” basis. We do not warrant that this service will be uninterrupted or error-free. There may be delays, omissions, interruptions and inaccuracies in the news, information or other materials available through this web site. We are not responsible for the availability or content of other services that may be linked to this web site. We do not make any warranties, express or implied, including without limitation, those of merchant quality and fitness for a particular purpose, with respect to this web site or any information or services that are available or advertised or sold through this web site. We do not make any representations, nor do we endorse the accuracy, completeness, timeliness or reliability of any advice, opinion, statement or other material or database displayed, uploaded or distributed in this web site or available through links in this web site. We reserve the right to correct any errors or omissions in this web site. Although we intend to take reasonable steps to prevent the introduction of viruses, worms, “Trojan horses” or other destructive materials to this web site, we do not guarantee or warrant that the materials that may be downloaded from this web site do not contain such destructive features. We are not liable for any damages or harm attributable to such features. If you rely on this information and any materials available through this web site, you do so solely at your own risk. Without derogation of the above and/or terms and conditions of the applicable agreements governing all the information and services of the web site, reasonable measures shall be taken by property.eNanyang.my to ensure the accuracy and validity of all information relating to transactions of products and services of related web site.

    property.eNanyang.my shall not be liable for any loss or damages howsoever arising whether in contract, tort, negligence, strict liability or any other basis, including without limitation any damages, loss or expense, direct, indirect, special, or consequential damage, punitive damages or economic loss arising from or in connection with: (1) any access, use or the inability to access or use this website, or reliance on the materials and/or any information in this web site; (2) any system, server or connection failure, error, omission, interruption, delay in transmission, or computer virus; and (3) any use of or access to any other sites linked to this web site. Any hyperlinks to any other websites are not an endorsement or verification of such web sites and such web sites should only be accessed at the user’s own risks. This exclusion clause shall take effect to the fullest extent permitted by law.

    Links from or to the web sites outside of property.eNanyang.my are meant for convenience only. This web site does not investigate, verify, monitor, or endorse the content, accuracy, opinions expressed and other links (if any) provided by such resources as such linked web sites are owned and operated by third parties and are not under the control of property.eNanyang.my. Therefore, we shall not be responsible and makes no warranties in respect of the contents of those web sites, the third parties named therein or their products and services. Furthermore, the links provided in this web site to other shall not be considered an endorsement or verification or approval of such linked web sites of the contents therein. Linking to any other site is at your sole risk and property.eNanyang.my will not be responsible or liable for any damages in connection with linking. It is advisable for you to read the privacy policy statements any web sites which are linked to this web site.

    You will on demand indemnify and keep indemnified property.eNanyang.my from all liabilities, claims, losses and expenses, including any legal fees that may be incurred by property.eNanyang.my in connection with or arising from (1) your use or misuse of this web site and the services provided herein, or (2) your breach of these terms and conditions howsoever occasioned, or (3) any intellectual property right or proprietary right infringement claim made by a third party against property.eNanyang.my in connection with your use of this web site.


    property.eNanyang.my reserves the right to terminate and/or suspend your access and/or your use of this web site at any time, for any reason. In particular, and without limitation, we may terminate and/or suspend your access should you violate any of these terms and conditions, or violate the rights of property.eNanyang.my of any other user or any third party.

    The failure of property.eNanyang.my to exercise or enforce any right or provision of these terms and conditions shall not constitute a waiver of such right or provision. If any part of these terms and conditions is determined to be invalid or unenforceable pursuant to applicable law, then the invalid and unenforceable provision will be deemed superseded by a valid, enforceable provision that most clearly matches the intent of the original provision and the remainder of the other provisions of the terms and conditions shall continue in full force and effect. All rights not expressly granted herein are reserved.

    These terms and conditions are governed by and are to be construed in accordance with the laws of Malaysia. By accessing this web site and/or using the services provided herein by property.eNanyang.my, you hereby agree to submit to the non-exclusive jurisdiction of the Malaysian courts in Kuala Lumpur, Malaysia in all disputes arising out of or relating to the use of this web site.

    私隐政策声明

      You agree that Nanyang Press Holdings Berhad and its subsidiaries (“Nanyang Group”) may process, use, disclose and/or retain your personal information in accordance with our Privacy Policy as long as necessary for the fulfillment of the Purposes stated herein.

      In order for us to provide our products and/or services to you in the most efficient and effective manner, we need to collect relevant personal information from you. The personal information collected by us may include, but not limited to, the followings: –

      • Name;
      • Address;
      • Phone Number;
      • Fax Number;
      • Date of Birth;
      • Email Address;
      • Gender;
      • Bank Information;
      • Identity Card Number; or
      • Credit Card Information

      Personal Information that you provide to us will be Processed (as defined in PDPA 2010) for the following purposes: –

      • to process your application and/or request for our products and/or services;
      • to complete transactions with you, manage and verify your membership of our customer loyalty scheme where applicable;
      • to provide you with the products and/or services you have requested or subscribed;
      • to understand and analyse our sales, your needs and preferences;
      • to develop, enhance, market and provide products and services to meet your needs;
      • to conduct marketing activities;
      • to direct market to you;
      • to determine how we can improve our services to you;
      • to process exchanges or product returns;
      • to process payments to you;
      • to enable you to participate in promotions and contests;
      • to investigate and resolve any service issues;
      • to keep in contact with you and better manage any business relationship we have with you;
      • to send you updates on our products, news and events, promotions and rewards, special privileges and initiatives of Nanyang Group, our partners and advertisers;
      • for debt collection purposes;
      • to respond to requests or complaints;
      • for future business opportunities and transactions;
      • for audit, compliance and risk management purposes;
      • to meet legal and regulatory requirements; or
      • for all other purposes incidental and associated with any of the above;
      collectively known as the “Purposes”.<

      Nanyang Group will treat all information we hold about you as private and confidential. In order to provide our products and/or services to you, we may need to disclose your personal information to the following third parties: –

      1. law enforcement agencies;
      2. government agencies;
      3. companies or individuals that act as our agents, contractors, service providers and/or professional advisers;
      4. any financial institution and charge or credit card issuing companies with which you have or propose to have dealings;
      5. our business associates in or outside Malaysia;
      6. to share the information with trusted business partners for the provision of their services
      7. any parties to whom you have given us your express or implied consent to disclose; or
      8. to such other parties as may be permitted under the laws of Malaysia.

      You may contact us at the following contact points should you have any queries regarding this Privacy Policy or you wish to have inaccurate information of you to be corrected: –

      Designation: Data Privacy Officer
      Telephone: 03-7872 6921
      Fax: 03-7872 6994
      Email: pdpa@nanyang.com.my
      Address :1, Jalan SS 7/2, 47301 Petaling Jaya, Selangor

      We will keep this Privacy Policy under regular review and we may amend this Privacy Policy from time to time without prior notice. The updated version shall apply and supersede all previous versions. It is advisable that you check this Privacy Policy on a regular basis.

      This notice was updated: 5th February 2014

      © 南洋商报有限公司版权所有 | Copyright Nanyang Siang Pau Sdn. Bhd.(6164-V)

      电邮:prop@eNanyang.my

      地址: No. 1, Jalan SS 7/2, 47301 Petaling Jaya, Selangor Darul Ehsan, Malaysia

      电话: +603-7872 6888

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        私隐政策声明

          You agree that Nanyang Press Holdings Berhad and its subsidiaries (“Nanyang Group”) may process, use, disclose and/or retain your personal information in accordance with our Privacy Policy as long as necessary for the fulfillment of the Purposes stated herein.

          In order for us to provide our products and/or services to you in the most efficient and effective manner, we need to collect relevant personal information from you. The personal information collected by us may include, but not limited to, the followings: –

          • Name;
          • Address;
          • Phone Number;
          • Fax Number;
          • Date of Birth;
          • Email Address;
          • Gender;
          • Bank Information;
          • Identity Card Number; or
          • Credit Card Information

          Personal Information that you provide to us will be Processed (as defined in PDPA 2010) for the following purposes: –

          • to process your application and/or request for our products and/or services;
          • to complete transactions with you, manage and verify your membership of our customer loyalty scheme where applicable;
          • to provide you with the products and/or services you have requested or subscribed;
          • to understand and analyse our sales, your needs and preferences;
          • to develop, enhance, market and provide products and services to meet your needs;
          • to conduct marketing activities;
          • to direct market to you;
          • to determine how we can improve our services to you;
          • to process exchanges or product returns;
          • to process payments to you;
          • to enable you to participate in promotions and contests;
          • to investigate and resolve any service issues;
          • to keep in contact with you and better manage any business relationship we have with you;
          • to send you updates on our products, news and events, promotions and rewards, special privileges and initiatives of Nanyang Group, our partners and advertisers;
          • for debt collection purposes;
          • to respond to requests or complaints;
          • for future business opportunities and transactions;
          • for audit, compliance and risk management purposes;
          • to meet legal and regulatory requirements; or
          • for all other purposes incidental and associated with any of the above;
          collectively known as the “Purposes”.<

          Nanyang Group will treat all information we hold about you as private and confidential. In order to provide our products and/or services to you, we may need to disclose your personal information to the following third parties: –

          1. law enforcement agencies;
          2. government agencies;
          3. companies or individuals that act as our agents, contractors, service providers and/or professional advisers;
          4. any financial institution and charge or credit card issuing companies with which you have or propose to have dealings;
          5. our business associates in or outside Malaysia;
          6. to share the information with trusted business partners for the provision of their services
          7. any parties to whom you have given us your express or implied consent to disclose; or
          8. to such other parties as may be permitted under the laws of Malaysia.

          You may contact us at the following contact points should you have any queries regarding this Privacy Policy or you wish to have inaccurate information of you to be corrected: –

          Designation: Data Privacy Officer
          Telephone: 03-7872 6921
          Fax: 03-7872 6994
          Email: pdpa@nanyang.com.my
          Address :1, Jalan SS 7/2, 47301 Petaling Jaya, Selangor

          We will keep this Privacy Policy under regular review and we may amend this Privacy Policy from time to time without prior notice. The updated version shall apply and supersede all previous versions. It is advisable that you check this Privacy Policy on a regular basis.

          This notice was updated: 5th February 2014

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