Stan's Real Estate

What is CTOS?

CTOS SCORE FULL DEFINITION
A 3-digit number that represents your creditworthiness, based on credit history and capability to repay financial obligations.

The higher you score, the higher your chance of getting that loan. Just like taking a test.

Credit scores are a major indicator of one’s financial health, but not many know their significance, or what they mean.

If you’re planning to buy a house or a car and want to increase your chances of getting a loan approved, you might want to check your credit score first. If your score is low, you might want to improve your credit standing.

The MyCTOS Report with CCRIS provides insight into one’s CCRIS (Central Credit Reference Information System) records, outstanding loans and credit(s), pending and approved credit applications, and special attention accounts.

Data on late payments, credit limits, and other account balances are also made available.

Through the reports, users may also learn more on their directorship and business interests (SSM), bankruptcies, legal proceedings as well as trade referee listings (eTR).

The information outlined in a CTOS report is typically used by financial institutions and other lenders to evaluate if an applicant qualifies for a credit card or loan. Landlords and employers may even look to credit reports as well.

If someone has applied for a credit card or loan under your name, it will also show up on CTOS and you can take further action to clear your name.

The higher the credit scores, the higher chances of getting loan approvals. Low credit ratings can lead to rejected loan approvals (which further damages your credit standing), or in some cases, offer unattractive interests rates as well as lower credit limits.

Exemption of 75% of stamp duty on the sales and purchase agreements of properties priced between RM500,001 to RM1mil in budget 2023.

Budget 2023: Reactions from property sector The property sector shares its thoughts on Budget 2023.

11 Things Every First-Time Homebuyer in Malaysia Needs To Know.

11 Things Every First-Time Homebuyer In Malaysia Needs To Know What to know as a first time home buyer in Malaysia? What are the first time home buyer benefits you can enjoy? Check out the 11 to-do things in this first time home buyer checklist to find the answers!

Thank you for all your support. 😍🥳

Why is so important on Overnight Policy Rate (OPR) to buyer?

Overnight Policy Rate (OPR) In Malaysia: Why It's So Important | PropertyGuru Malaysia What is the overnight policy rate, and what does it mean for you? Here’s everything you need to know about OPR and its impact on home buying.

Hot selling project in Subang!!🥇🔥

This client shares that to get a unit at the Center of Subang City at the best price, is basically a steal🤣
They love the 100,00sqft resort style facilities and location of the project. 👍🏻 Furthermore, it is 5mins drive to SUNWAY PYRAMID.

🏞️Center of the Lakeview

Don't miss out the chance for the fast selling projects in Subang. Take your action now!📲

Stanley Ng
+60 18-381 6211
https://wa.link/crhw8f (Stanley)
https://wa.link/crhw8f (Stanley)

Time to plan your CNY holiday! 😁

Transport Minister: CNY Flight Tickets For 2023 Are Available For Early Booking Transport Minister Datuk Seri Dr Wee Ka Siong said that flight tickets for the Chinese New Year festive season in 2023 are already available.

Airbnb is still one of the best choice of vacation stay by traveller. Airbnb market will continue to grow and bring high return to you.

Airbnb says record bookings signal travel rebound | New Straits Times SAN FRANCISCO: Bookings on Airbnb hit a new high in this year's first quarter, the home rental platform reported Tuesday, in a fresh signal that travel demand stifled by the Covid-19 pandemic is being unleashed.

KWSP khas withdrawal .

KWSP Umum Kategori Ini Akan Terima Bayaran Selepas Raya KWSP Umum Kategori Ini Akan Terima Bayaran Selepas Raya, Tarikh Pembayaran, Perkara Penting Pengeluaran Khas

We are having roadshow in a shopping mall at Subang. Everyone is interested to get to know our great investment service apartment project that facing a LAKE and FREEHOLD.

If you are interested too, WhatsApp me now to grab the best deal and unit.

Stanley
+60 18-381 6211

What is RPGT?

RPGT in Malaysia: A brief history, latest exemptions and calculation - iproperty.com.my Find out how to reduce your capital gain tax for property disposals via RPGT exemption. In addition, learn how to calculate and pay your RPGT.

A happy customer bought a unit from us. She loves the location and high yield return.

Stanley
018-3816211
wa.link/gdcir5

Everything that you should know on submitting Income Tax for YA2021.

https://ringgitplus.com/en/blog/en/blog/income-tax/everything-you-should-claim-as-income-tax-relief-malaysia-2022-ya-2021.html

Everything You Should Claim As Income Tax Relief Malaysia 2022 (YA 2021) With the income tax season having arrived once more, taxpayers will no doubt strive (yet again) to get the maximum tax refund possible. After all, no one

Congratulation to our team member Jason!!!! 🥳🥳

Come and visit our Sales Gallery now to get your perfect unit. Hurry up, limited unit available now!

Stanley
018-3816211

Thinking Of Revamping Your Room Or Home? These M'sian Interior Designers Share Some Tips

Thinking Of Revamping Your Room Or Home? These M'sian Interior Designers Share Some Tips Bring your Pinterest boards to life.

Good news to all the young adults age 25-35!!! Government is organising home ownership program to help you owning a house. 👍 Grab this opportunity. 👌

Government to organise home ownership programme to help young adults own a home [NSTTV] | New Straits Times KUALA LUMPUR: Difficulty in obtaining loans or ‘barrier of entry’ was identified as the main cause why young adults, aged 25 to 35 failed to own affordable houses, the Dewan Rakyat was told today.

Are you still looking for a home? 🏠

Our sales gallery was so busy last weekend. Come and visit us on our new Hotel Suites project which is only walking distance to SJMC and INTI Subang.

It is FREEHOLD, fully furnished condo and start from 302k.

There is nothing like staying at home, for real comfort. 🥰 Whatsapp us now to make your dream home comes true. 📲

Stanley Ng
018-3816211
https://wa.link/crhw8f (Stanley)

Looking for investment or buying a unit at the prime location at minimum cost?

🔥 * Officials LAUNCH * 🔥

The BEST Project in Subang Jaya

😍 * 8% Rental Yields*😍
😍 * RM40k appreciation upon Vacant Possession *😍

✅ *𝐅𝐫𝐞𝐞𝐡𝐨𝐥𝐝 *‼️
✅ Lake view Waterfront‼️
✅ Luxury Hotel Facilities‼️
✅ Airbnb Friendly
✅ Walking distance to * SJMC and INTI *‼️
✅ * Well-known and trusted Developer *‼️
✅ Price Start From RM302K‼️

🔥 * Early Bird Package *🔥
🎁 Free ALL legal fee for SPA & LOAN
🎁 * Option for Free 5 Star Fully Furnishing *
🎁 and many more…..

Make an appointment this weekend to capture this great investment before it sold out.

Stanley Ng
018-3816211
https://wa.me/message/PZQV7PSUL2NIO1

Below are the details for the
🔥 * Officials-LAUNCH * 🔥

The BEST Project * in *Subang Jaya

😍 * 8% Rental Yields*😍
😍 *RM40k appreciation upon VP *😍

✅ Walking distance to * SJMC and INTI *‼️
✅ Price Start From RM302K‼️
✅ * FREEHOLD *‼️
✅ Luxury Renovated & Fully Furnished‼️
✅ Lake view Waterfront‼️
✅ * Branded Developer *‼️
✅ * Luxury Hotel Facilities*‼️

🔥 * Early Bird Package *🔥
🎁 Free ALL legal fee for SPA & LOAN
🎁 *Option for Free Fully Furnishing *

*High Class Facilities *
🏖 Yoga / Pilates area
🏖 Cantilever Meditation Zone
🏖 Outdoor Lounge
🏖 Putting Green
🏖 Sky Reading Pavilion
🏖 BBQ Area
🏖 Sunken Garden / Hammock
🏖 Infinity Swimming Pool
🏖 Sun Deck
🏖 whirlpool bath
🏖 Wading Pool
🏖 Outdoor Function Area
🏖 Water POP-Jet
🏖 Leisure Water Pool
🏖 Interactive Play Area
🏖 Reflexology Path
🏖 Indoor Gym
🏖 Outdoor Gym
🏖 Games Room

* Accessibility *
🚘 Subang Kelana Jaya Link * 2 mins*
🚘 NPE * 3 mins*
🚘 Federal Highway * 3 mins*
🚘 LRT Station *4 mins *
🚘 KTM Komuter * 4 mins*
🚘 Kesas Highway * 4 mins*

*Nearby Landmark *
🗽 INTI * 3 mins *
🗽 Subang Parade * 3 mins *
🗽 Empire Shopping Mall * 3 mins *
🗽 Aeon Big Hypermarket * 3 mins *
🗽 Giant * 3 mins *
🗽 Summit Shopping Mall * 5 mins *
🗽 DaMen Shopping Mall * 5 mins *
🗽 Glenmarie Golf Club * 8 mins *
🗽 Kelab Golf Negara Subang * 8min*
🗽 Subang Airport * 15 mins *