Tips Membeli Rumah Melalui Ejen Hartanah & Cara Mengelakkan Deposit Rumah Daripada Hangus

Saya faham, ramai di antara kita yang masih belum ada rumah sendiri walaupun dah berkeluarga ingin membeli rumah sebagai aset untuk masa hadapan. Tambahan pula, kos nak beli rumah bukannya sikit tapi kena keluarkan beribu-ribu ringgit untuk deposit rumah.

Memang penat kalau duduk menyewa rumah orang, asyik tolong bayarkan rumah orang, tapi rumah sendiri belum beli. Ada juga kenalan saya bagitau, tak reti la nak beli rumah, samaada beli sendiri atau serah pada ejen hartanah ?

Urusan jual beli rumah subsale akan lebih mudah jika menggunakan khidmat ejen hartanah. Tetapi tidak bermakna kita perlu menyerahkan 100% urusan kepada ejen hartanah. Kita mesti juga tengok keadaan rumah yang hendak dibeli.

Jadi, kita boleh melawat dan memeriksa hartanah yang hendak dibeli bersama-sama dengan ejen hartanah. Setelah memeriksa rumah dan kita masih berminat dengan rumah tersebut, ejen akan meminta kita untuk membayar 3% deposit daripada harga rumah sebagai “earnest deposit” wang tanda jadi.

Kita juga yang perlu membayar “lock fee” terlebih dahulu sebagai tanda setuju untuk membeli rumah tersebut. Jumlahnya bergantung kepada agensi ejen tersebut. Kemudian, baru selesaikan lagi baki 7% deposit semasa menandatangani SPA.

Apa yang kita perlu tahu apabila berurusan dengan ejen hartanah dan deposit rumah ini ialah;

***

1. Pastikan REN Berdaftar

Pastikan berurusan dengan ejen hartanah yang berdaftar. Booking hendaklah dibayar ke akaun bank agensi ejen tersebut. Bukannya transfer duit booking ke akaun persendirian ejen atau membayar tunai ke ejen. Kalau ejen tersebut kita sudah kenal tak jadi masalah. Kita boleh mengambil tindakan terhadap agensi sekiranya berlaku sebarang perkara yang tidak diduga.

✅Macam mana nak kenal dengan REN yang berdaftar?

i. Biasanya ejen hartanah mempunyai kad kuasa tag berwarna merah. Dalam kad tersebut mengandungi nama, No. K/P dan nombor ID REN tersebut.

ii. Semak di : http://lppeh.gov.my/. Klik “Search”.

Kita boleh dapatkan nombor telefon beliau dan nombor telefon pejabat. Dapat business kad lagi cun. Ada juga kes REN dah berhenti kerja lepastu menyamar jadi REN. Kita boleh sahkan sama ada REN tersebut masih bekerja di agensi dahulu atau tidak.

2. Pastikan Bukti Pembayaran

Booking boleh dibuat menggunakan cek, bank draf, melalui mesin deposit, secara online ataupun melalui mesin ATM. Simpan segala bukti pembayaran.

3. Pastikan Ada Perjanjian

Sebelum membayar booking, pastikan ada perjanjian antara kita dengan penjual. Ia dikenali sebagai Letter Of Offer To Purchase (OTP). OTP ni borang persetujuan hitam putih antara penjual dengan pembeli di atas harga jualan hartanah tersebut.

4. Pastikan Ada Maklumat Lengkap

Pastikan di OTP tersebut ada maklumat:
i. Jenis hartanah.
ii. Alamat penuh hartanah.
iii. Jumlah nilai booking yang perlu dibayar.
iv. Harga beli yang telah dipersetujui.
v. Tarikh.
vi. Tandatangan penjual dan pembeli berserta saksi (ejen hartanah).

5. Pastikan Ada Tempoh

Antara syarat lain yang terdapat dalam OTP ialah tempoh di antara tarikh booking dan tarikh menandatangani Perjanjian Jual Beli (SPA), biasanya antara 14-21 hari bekerja.

6. Pastikan Ada Jaminan

Kita haruslah mendapatkan kepastian dengan ejen hartanah sekiranya pembiayaan perumahan kita tidak diluluskan. Kita perlu tahu apa akan jadi dengan duit booking tersebut sama ada dipulangkan ataupun hangus begitu sahaja.

Biasanya jika pembiayaan perumahan kita oleh pihak bank tak lepas, deposit akan dipulangkan balik. Jadi, kita kena tanya ejen betul-betul.

7. Pastikan Ada Salinan

Pastikan kita mendapat salinan OTP ini untuk simpanan.

8. Pastikan Ada SPA

Setelah peguam menyiapkan SPA, penjual dan pembeli akan menandatangani SPA ini. Sebagai pembeli kita perlu membayar baki 6.82%-7% sebagai baki wang deposit 10% kepada penjual.

Baki 90% harga jualan rumah pula perlu dibayar dalam masa tiga bulan daripada tarikh SPA ataupun mengikut tarikh yang dipersetujui.

9. Pastikan Sentiasa Follow Up

Proses siapkan SPA akan dilakukan oleh peguam. Namun kita perlu sentiasa “follow up” dengan peguam tersebut.

10. Pastikan Tiada Tunggakan

Peguam akan memastikan bahawa rumah yang dibeli tidak mempunyai tunggakan bil cukai pintu, cukai tanah, air, elektrik, penyelenggaraan dan sebagainya.

Setelah selesai kesemuanya, peguam akan menyerahkan baki harga jualan 90% kepada penjual dan dalam masa yang sama, penjual perlu menyerahkan kunci kepada peguam. Setelah itu, kunci pula akan diserahkan kepada pembeli.

***

Berhati-hati semasa nak beli rumah. Zaman sekarang, ramai yang sanggup buat apa saja demi wang. Jangan mudah terpedaya dengan skim rumah murah. Mungkin rumah tu tak wujud pun. Duit kita dah lesap.

Semoga kita semua tidak tertipu dengan golongan yang suka mengambil kesempatan ini. Sebab tu kena ada ilmu.

Kita kena semak dulu CCRIS dan DSR sebelum beli hartanah. Semak kelayakan pembiayaan yang bank boleh bagi mengikut pendapatan kita. Takdelah lepas dah bayar booking, bank tolak pembiayaan perumahan kau.

Fuh, pening tak? Kalau pening, perlu banyak membaca tentang ilmu hartanah lagi.
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Credit NotaHartanahASY

HartanahWilayah

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