Chye Hin Group

Applying for a housing loan can feel overwhelming but with the right preparation, you can simplify the process. Here are some top tips for a smooth housing loan application process:

📈Build Your Credit Score: Maintain a good credit history by paying bills on time and minimising debt.

📑Prepare All Necessary Documentation: Gather essential documents like your income statements, tax returns, identification and bank statements to avoid delays during the application.

💵Save for a Larger Down Payment: The bigger your down payment, the smaller your loan, which means lower monthly payments and better interest rates.

✅Choose the Right Loan Package: Compare different loan options and find one that fits your financial situation. Consider fixed vs. floating interest rates, loan tenure, and hidden fees.

Discover Uni Square, a vibrant commercial hub and modern student living space in the heart of Taman Chandan Putri, Kuala Kangsar! 🏙️

✨ Prime Location: Just a 5-minute walk from Universiti Sultan Azlan Shah (USAS) and only 2 km from Kuala Kangsar town.
✨ Unmatched Accessibility: Easy access to the North-South Expressway, just 7 km away.
✨ Business & Living Hub: Ground floor units perfect for retail and F&B, while USAS campus & student accommodations occupy levels 1-3.
✨ Investment Opportunity: High potential for capital appreciation and rental returns.

Hurry, limited units left! Starting from RM320,600, be part of this dynamic development!

Reach out to Chye Hin Group today! 📞

Late payments and loan defaults both involve missing scheduled payments but differ in severity and consequences.

💳Late Payments:
A late payment happens when a borrower misses a due date but pays shortly after, potentially incurring fees and a minor credit score impact.

⚠️Loan Defaults:
A loan default occurs after missing multiple payments, leading to serious consequences like legal action, asset repossession and major credit score damage.

In summary, while late payments are manageable with minimal long-term effects, loan defaults carry serious consequences for both credit and finances.

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The Loan-to-Value (LTV) ratio is a measure used by banks to determine how much money they will lend to you compared to the value of the property you want to buy. It shows how much of the property's value is covered by the loan and how much you need to pay upfront.

✅ If you're buying your first home, banks in Malaysia usually offer up to 90% LTV, which means you need to pay 10% of the property price as a down payment.

Importance of LTV:

👉Loan Approval: The LTV ratio helps banks decide whether to approve your loan and how much interest to charge.
👉Down Payment: A higher LTV means you pay less upfront but the bank takes on more risk.
👉Insurance: If your LTV is high (usually above 80%), you might need to get mortgage insurance to protect the bank.

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The importance of choosing the right area is undeniable, as it directly impacts property value and the quality of life for residents. Here are some key factors that can make certain areas a profitable choice for investors.

📍High Growth Location and Market Demand: Certain areas experiencing rapid population growth and attracting businesses often offer excellent investment potential.

📍Rental Yields and Capital Growth: Rental yields are driven by local amenities, transport access, and proximity to schools and commercial centres, while capital growth depends on the area's long-term appreciation potential.

📍Connectivity and Infrastructure: Factors such as Infrastructure development, including transport links and accessibility, that can significantly impact property values.

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Experience the charm of Taman Alamanda in Kuala Kangsar, Perak. Our beautifully designed 𝑺𝒊𝒏𝒈𝒍𝒆 𝑺𝒕𝒐𝒓𝒆𝒚 𝑻𝒆𝒓𝒓𝒂𝒄𝒆 𝑯𝒐𝒖𝒔𝒆𝒔 offer:

🏡4 Spacious Bedrooms + 2 Modern Bathrooms
✅Lot Size: 20’ x 70’
🌟Secure, Gated Community for Peace of Mind

Starting from just 𝐑𝐌𝟐𝟖𝟑,𝟖𝟎𝟎 or from 𝐑𝐌𝟏,𝟏𝟐𝟑/𝐦𝐨𝐧𝐭𝐡 with ⁠5% discount for Bumiputera Lots, Taman Alamanda offers luxury living at an unbeatable price❗

📣Act fast – 𝐥𝐢𝐦𝐢𝐭𝐞𝐝 units are available! Make your dream home a reality with us today!

Wishing everyone a Mid-Autumn Festival as bright and beautiful as the moon. May the full moon bring us continued success and prosperity! 🎑🥮

Chye Hin Group wishes all Muslims a Happy Prophet Muhammad’s Birthday! Wishing you and your family many joyous moments on Mawlid al-Nabi and may Prophet's teachings guide you always. 🌙

Chye Hin Group would like to wish all Malaysians a Happy Malaysia Day! Let’s celebrate the unique diversity and unity of our country! 🇲🇾

Graduating from university opens up new opportunities, including the possibility of owning a home. But can fresh graduates in Malaysia apply for a home loan? 🤔The answer is yes, though it comes with certain conditions that must be met.

✅Maintaining a strong credit history is highly advantageous.
✅A substantial down payment and a stable income sustained for at least three to six months can significantly improve your chances.
✅Alternatively, joint home loans offer the option to combine the income and creditworthiness of two individuals, enhancing eligibility.

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Welcome to 𝐀𝐓𝐑𝐈𝐎 @ 𝐋𝐀𝐍𝐆 𝐕𝐀𝐋𝐋𝐄𝐘! Located in the heart of Ipoh's bustling centre, this dynamic commercial hub offers great access and a strong customer base.

𝐔𝐧𝐢𝐭 𝐒𝐩𝐞𝐜𝐢𝐟𝐢𝐜𝐚𝐭𝐢𝐨𝐧𝐬:

👉3-Storey Shop Office:
- Lot Size: 20’x85’
- Built-up Area: 5,100 sqft

👉4-Storey Shop Office:
- Lot Size: 20’x85’
- Built-up Area: 6,800 sqft

Whether buying or leasing, we offer flexible options to suit your needs. Secure your prime spot starting from RM1,203,400! ✅

Don’t miss our exclusive 𝐬𝐩𝐞𝐜𝐢𝐚𝐥 𝐫𝐞𝐛𝐚𝐭𝐞𝐬. Contact us today to learn more!

Increasing the value of your property is not only a smart investment strategy but also a way to ensure that your home remains competitive in the market. Here are five tips that can help you achieve significant returns.💡

1. Upgrade Kitchens and Bathrooms: Modernise key areas with new fixtures, energy-efficient appliances and quality finishes like granite countertops or a fresh coat of paint.
2. Stay on Top of Maintenance: Regularly address minor repairs and upkeep to keep your home well-maintained and appealing to buyers.
3. Enhance Curb Appeal: Improve the exterior with landscaping, a fresh front door and outdoor lighting to make a strong first impression.
4. Boost Energy Efficiency: Install energy-efficient windows, better insulation or solar panels to lower utility costs and attract eco-conscious buyers.
5. Hide The Clutter: A less cluttered space makes it easier for potential buyers to picture how they would make it their own.

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Vacant possession refers to a property that is completely empty, free from any occupants or belongings and ready for immediate occupancy.

On the other hand, delivery of vacant possession means the property is officially transferred to you. This includes receiving the keys and access cards.

📅Timeline:
- Individual-titled properties: 24 months
- Strata-titled properties: 36 months

✅Importance of the SPA clause: The SPA should clearly state the delivery timeline. If the developer delays, they may pay liquidated damages.

By ensuring that the SPA includes a clear vacant possession clause, buyers can protect themselves from potential delays and financial losses.

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NEWLY launched Single Storey Terrace Townhouse nestled within the historic township of Kuala Kangsar! Embrace the charm of freehold living in our fully integrated township, starting at an affordable RM1,032 per month.

✨ Perfect for multi-generational living
✨ 3 bedrooms + 2 bathrooms
✨ Amenities nearby!
✨ Spacious lot size of 24’x70’

With prices starting at RM259,000, take advantage of our exclusive 5% Bumiputera discount and be part of this thriving community of Taman Chandan Putri!

☎️Contact us today to schedule a viewing!

When entering into a tenancy agreement, it's crucial to be aware of the potential consequences of ending the agreement prematurely.

👉 Forfeiture of Security Deposit: Landlords may forfeit the security deposit if tenants terminate agreements early. Depending on the terms of the agreement, additional rental may be due for the remaining term.

👉 Legal Action: Both landlords and tenants may sue for damages if the other party terminates the agreement early. Landlords may seek lost income, while tenants may claim relocation or renovation costs.

By addressing these issues proactively, you can mitigate the risks associated with early termination and ensure a smoother transition.

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Chye Hin Group would like to wish all Malaysians a Selamat Hari Merdeka! Let’s come together to cherish the meaning of freedom and unity, and keep striving to advance the nation we love. 🎉

Experience the perfect blend of style and comfort in our NEWLY launched Double Storey Terrace homes. Located in the thriving community of Taman Alamanda, Kuala Kangsar, these spacious homes offer the ideal living space for you and your family.👨‍👩‍👧

Key Features:
🏡4 Bedrooms + 3 Bathrooms
🏡Generous Lot Size: 20’ x 70’
🏡Secure Gated Community
🏡Convenient Access to Amenities

Enjoy peace of mind in a secure gated community while being close to essential services!

Exclusive Offer: Bumiputera buyers can enjoy a 7% discount on selected units. Prices start from RM419,800.

Don't miss this opportunity to own your dream home. Contact us today to schedule a viewing!

Legal fees for a tenancy agreement in Malaysia depend on how much your rent is per year.

✅Short-term rentals (1-3 years): The fees are lower.
✅Long-term rentals (more than 3 years): The fees are higher.

There are other costs too:
➡️Stamp duty: A government tax based on the rent and how long you're renting.
➡️Administration fees: Extra charges the landlord or agent might ask for.

💡Remember: This is a simplified explanation. Laws and regulations may change, and individual circumstances can vary. Always consult with a legal professional for accurate and tailored guidance.

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In celebration of National Day and Malaysia Day, we're excited to introduce amazing promotional incentives for our newly launched Taman Alamanda Double Storey Terrace House! 🎉

Seize this opportunity to own your dream home with extra incentives. This promotion is valid for a limited time only!

☎️Contact us now to find out more!

In conjunction with National Day and Malaysia Day month, we're thrilled to announce fantastic 𝐩𝐫𝐨𝐦𝐨𝐭𝐢𝐨𝐧𝐚𝐥 𝐢𝐧𝐜𝐞𝐧𝐭𝐢𝐯𝐞𝐬 on our newly launched Taman Chandan Putri Single Storey Townhouse!🎉

Don't miss this golden opportunity to own your dream home with additional incentives. This promotion is valid for a limited time only!

☎️Contact us now to find out more!

Malaysia’s property market is expected to remain stable in 2024 and experience steady growth over the next three years, driven by the MADANI government's initiatives under Budget 2024.

✅The property market has shown remarkable growth and resilience, with some individual property counters experiencing share price appreciation of up to 600%.
✅This positive trajectory is expected to continue into the second half of 2024.
✅In Q1 of 2024, property market transactions reached RM56.53 billion with over 104,000 transactions, marking a RM14.22 billion increase in value compared to Q1 of 2023.
✅This significant growth indicates that Malaysia’s property market is recovering well and on the rise.

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Source: https://www.thestar.com.my/business/business-news/2024/06/06/malaysia039s-property-market-to-be-stable-in-2024-with-sustained-growth-over-next-3-years---nga

Experience the charm of Taman Alamanda in Kuala Kangsar, Perak. Our Single Storey Terrace Houses offer:

✅ 4 Generously Sized Bedrooms
✅ 2 Bathrooms
✅ Lot Size: 20’ x 70’
✅ Secure Gated Community

Starting from just RM283,800, with an exclusive 5% discount for Bumiputera lots, Taman Alamanda presents luxurious living at an incredible value!

Act fast—𝐥𝐢𝐦𝐢𝐭𝐞𝐝 𝐮𝐧𝐢𝐭𝐬 𝐚𝐫𝐞 𝐚𝐯𝐚𝐢𝐥𝐚𝐛𝐥𝐞! Don’t miss the opportunity to own your dream home. Contact us today!☎️

Tenancy and lease are both rental agreements but differ in duration, flexibility and legal terms.

✅Duration:
-Lease: Typically a long-term agreement, usually lasting for a fixed period of more than three years
-Tenancy: Generally a shorter-term agreement, often lasting for three years or less.

✅Flexibility:
-Tenancy offers more flexibility; either party can terminate with proper notice.
-Lease is less flexible, binding both parties for the entire term, with penalties for early termination.

✅Rent Changes:
-Whether it is a tenancy or a lease, the rental rate is fixed for the entire duration of the agreement.

✅Legal Protection:
-Tenancy may offer more protection for tenants, especially in periodic agreements.
-Lease provides stability and clear legal terms for both parties.

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When embarking on your journey into homeownership, a landed property can be an excellent choice for a starter home. Here’s why:

✅Long-Term Investment Potential: Owning a house with land can be a solid investment, providing you with both a home and a growing asset.
✅Greater Space and Privacy: This extra space is ideal for growing families and provides a higher level of privacy.
✅Potential for Future Growth: As your needs evolve, having land gives you options for expansion or renovation, accommodating your family’s changing requirements.
✅Desirable for Families: For families, landed properties offer practical advantages such as proximity to schools, parks and community facilities.

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Experience modern luxury living with our 1 ½ Storey Cluster Townhouse at Taman Chandan Putri. These exquisite homes effortlessly blend space, comfort and elegance. Key features include:

✅ Every unit is a corner unit
✅ Ideal for multi-generational living
✅ 4 Bedrooms and 3 Bathrooms
✅ Lot Size: 35'×70’
✅ Built-Up Area:

- Lower Unit Parcel: 1,432 sqft
- Lower Unit Accessory Parcel: 958 sqft
- Upper Unit Parcel: 1,475 sqft
- Upper Unit Accessory Parcel: 398 sqft

Starting from just RM335,200, with an exclusive 5% Bumiputra Discount, elevate your lifestyle at Taman Chandan Putri!

Contact Chye Hin Group today for more details!