Pembelian rumah boleh menjadi sesuatu perkara yang menyeronokkan dalam kehidupan anda.

Tetapi, pada masa yang sama ia juga boleh menjadi sesuatu tekanan dan bebanan kepada pembeli.

Kenapa?

Kebayakan orang muda memohon rumah mampu milik sebagai satu permulaan untuk memulakan hidup baru.

Dan ada juga ingin memilik rumah sendiri.

Tetapi, proses pembelian rumah hanyalah indah khabar dari rupa, di mana ia boleh menjadi jalan yang berliku jika anda masih mentah dan mempunyai pengalaman yang betul terhadap bidang hartanah.

Hal ini kerana pembelian satu rumah memerlukan masa dan wang jumlah yang mencukupi disertakan dengan pinjaman perumahan yang sangat merumitkan sebelum dapat hak milik rumah.

Sudah pasti, perjalanan memiliki atau membeli rumah keseluruhannya kelihatan panjang dan menakutkan.

Oleh itu, anda juga disarankan dulu untuk mengetahui cara kira loan rumah sebelum membuat sebarang keputusan untuk terus beli.

Sebelum itu, bagaimanakah anda boleh memulakan langkah atau memahami lebih mendalam tentang bidang hartanah?

Dalam artikel ini, marilah sama-sama kita terokai langkah-langkah beli rumah pertama anda supaya anda tidak membuat kesilapan yang mustahak.

1. Membuat Kajian yang Mendalam

Sebelum membuat satu keputusan besar seperti membeli rumah, anda hendaklah dulu memahami bidang hartanah atau cara kira nilai hartanah dengan kalkulator loan rumah.

Secara asas, anda hendaklah memahami asas-asas penting dalam hartanah Malaysia seperti jenis rumah, jenis tanah, jenis loan perumahan dan pemaju.

Dengan itu, anda dapat memastikan anda membeli rumah yang bersuaian terhadap kemampuan anda.

Anda boleh memulakan langkah dengan mengkaji beberapa faktor keperluan termasuklah lokasi, kemudahan awam serta nilai harga di kawasan tersebut.

2. Beli Berdasarkan Kemampuan

Kebayakan pakar kewangan akan menasihati bahawa ansuran pinjaman bulanan anda tidak melebihi satu pertiga daripada pendapatan isi rumah anda.

Sebagai contoh, anda mempunyai jumlah pendapatan gabungan sebayak RM 9000, maka pembayaran rumah anda tidak boleh melebihi RM 3000.

Terdapat juga individu di Malaysia yang tergesa-gesa melakukan pembelian rumah dengan menggunakan pinjaman peribadi dan menyebabkan kerugian yang besar.

Jadi, anda haruslah bijak menggunakan kewangan anda dan berdasarkan kemampuan sebenar anda dan bukan nafsu.

3. Ketahui Harga Purata Bagi Kawasan Tersebut

Seterusnya, anda harus melihat nilai pasaran hartanah kediaman semasa sebagai langkah untuk memahami lebih lanjut.

Anda boleh pergi laman sesawang di Internet untuk mengetahui lebih terperinci tentang nilai pasaran hartanah.

Selain itu, anda juga boleh bertanya kepada pemaju atau ejen hartanah tentang harga median per kaki persegi serta saiz unit dan bilangan bilik.

4. Bayaran Pendahuluan Yang Mencukupi

Secara amnya, jika beli rumah pertama, anda perlu mengeluarkan 10% daripada harga pembelian harta sebagai bayaran pendahuluan.

Manakala, harga pembelian rumah yang selanjutnya harus dibiayai melalui pinjaman bank seperti pinjaman islamik.

Sekiranya rumah sasaran anda berharga RM 400,000, anda perlulah menghasilkan RM 40,000 sebagai pendahuluan awal.

Walaupun standard industri adalah melalui pembiayaan 90% untuk pembeli rumah pertama, margin pembiayaan adalah berbeza mengikut jenis harta dan kredibiliti kewangan anda pada masa itu.

Bagi hartanah yang baru dilancarkan, banyak pemaju menawarkan rebat antara 2% hingga 5%.

Manakala, sebahagian hanya memerlukan anda sendiri untuk membayar yuran tempahan 1% atau 2% awal, yang kemudiannya menuju ke pembayaran pendahuluan.

Selain itu, anda juga boleh mempertimbangkan membiayai rumah anda melalui pengeluaran EPF untuk beli rumah anda.

5. Memenuhi Syarat Pinjaman Rumah

Anda boleh memulakan dengan mengira nisbah hutang skor kredit anda, di mana merupakan satu faktor penting dalam memenuhi syarat untuk membuat pinjaman.

Pihak bank akan mengukur keupayaan pembayaran balik anda melalui nisbah hutang yang menunjukkan perkadaran hutang anda berkaitan dengan jumlah pendapatan anda.

Setiap bank akan mengena satu kadar maksimum DSR ke atas peminjam sebelum meluluskan permohonan peminjam.

Secara asasnya, nombor DSR anda tidak boleh melebihi 70%.

Designing the interior of your office layout can be extremely difficult especially when you are not the expert in the field. It often requires some abstraction to illustration the layout of your office. This is the reason why the interior designers in Kuala Lumpur exist to solve your problems that you can simply outsource the task to them to design the layout for your office.

Today, there are many interior designers out there in Malaysia claiming themselves as the famous interior designer in Malaysia. This has caused the task of hiring the professional interior designer harder than usual.

However, is it still possible to identify the top interior design company in Malaysia with few criteria being practised. In this article, there are a few ways that you should take note in hiring the quality Malaysia interior designer for your office.

Determine your own budget for hiring Interior Designer

The budget that you set will affect the quality of the office interior design you receive. Bear in mind that your office interior design has a bonding effect towards the employee that drives them to be willing to work longer and effective in your company. Therefore, investing more in your office design is worth in the future.

However, solely rely on the budget if not enough, there are other criteria that you should focus on evaluating a good office interior design in KL or Malaysia. This is because people often set their price higher than the market price to create a perception that they are superior to others but in fact, it might not be as what is expected.

Seek the recommendation from others

The company that has the successful office interior design can be used as a reference for your office as well. Unless they are your direct competitors, otherwise most of the time they are willing to share with you the interior designer that you can approach them to design the interior of your office.

Your peers or colleagues often come from various places and they may have some idea about getting the quality interior designer. For example, your colleague who is staying in Ipoh, Perak may have some good recommendation of interior design in Ipoh that you can seek to outsource the task to them. Don’t hesitate to ask the people surrounding.

Observe their background in the past

The next thing you must do once you have a few potential interior design company in Malaysia on your mind is to observe their background in the past. This includes their performance, feedback from the clients, and other news that are related to them.

This is particularly important as you don’t hope to end up selecting the interior designer that has the bad reputation that may influence your company in the future as well.

Even though they can provide the professional and outstanding services, but they shouldn’t be in your consideration set if their reputation is not good.

Look at your potential interior designer’s portfolio

After filtering out the list of the potential good interior design company in Malaysia, you should look at their portfolio as well. The portfolio usually consists of the office interior that they have designed in the past. Bear in mind that the interior designer often has their own style of designing the layout.

Even they are claiming themselves as the top interior design firm in Malaysia, however, if their design style is not matched with your office environment, you shouldn’t consider them as it doesn’t create any impact to your office environment.

Therefore, it is important to know the office style you wanted so that you can compare by looking into their portfolio to choose the Malaysia interior designer that best matches the office style you wanted.

As an SEO agency, make an interest in YOU? – As opposed to, already be in possession of one and have the wonders on how to attract more customers to be aware of SEO consultant.

The initial drives to be successful are the need of comprising great Digital Marketing KLs’ strategy.

Besides that, there is much organization tend to disagree or reluctant to recognize this idea on risky their investment over Online Marketing. Moreover, as it may sound overly presenting its’ existence in which traditional marketing has been overrun by Online reputation management services, in fact, the organization that does not exist in online is simply losses its’ existence in an online world.

This article provides obtainable purpose on the “why” is there the need for investing in Web Design agency and online digital marketing.

1. 
   

   Internet World is Evolving

   
   

One of the actual facts is that majority of consumers tend to rely on spending several hours on the Internet which is extraordinary platforms that have the availability of reach and frequency of information.

Besides that, Digital Marketing Agency Malaysia is more influential and helpful in providing target audiences or new customer a new level in controlling their personal experiences in accessing organizations offering in such of; review, opinion, ease in surfing and others.

On top of that, in this generations, the Internet is basically one of the platforms that customer that priority in using to search for information and organization product and services offering.

2. 
   

   Clear-Cut Audience

   
   

In reality, traditional marketing is been becoming the least impact in the markets which it has the inability to segment audience as effectively as digital marketing strategy would.

In fact, online marketing has multiple strategy tools which organization can opt to match accordingly on their ideal target audience, thus organization can put its centre of attention towards them and acquire great results.

In addition, digital marketing tools analysis has diversified factors which allow an organization to track or examine their ideal geographic locations, demographics, behavioural and attitudinal factors which it can aid organization to address the ideal audiences.

3. 
   

   Unlimited Reach

   
   

In Digital Marketing KL, studies found that geographic locations were one of the greatest barriers that affect the sales of small-medium business which it gives out impenetrability in admission with audiences which is unreachable.

In contrary, the rise of Internet availability connects this gap globally to distinguish this fallback about reach. Besides that, the rise of organized interests in using Digital Marketing Agency Malaysia which prompt to increase in “Viralization” of brand awareness.

4. 
   

   Get Ready to Engage

   
   

One o the perks of digital marketing strategy is that organization have the ability to understand the customer in a relatively easy way which prompts in the rise of the internet’s interactive nature.

This gives out an organization to have the opportunity to obtain meaningful insights and abstract of their target audience needs and wants which organization can offer them a better-added value optimization of product and services to them.

Despite that, there is a lot of Website design in Malaysia found to establish many social media platforms which allow an organization to build a strong customer relationship with the target audiences or new customers.

This factor runs to correct any mistake that made by an organization from the evaluation of customers critics to articulate objectives on improvements and changes.

On top of that, online marketing helps a variety of organizations to be more humane and easily reached by global civilization.

Planning to have a budget free and easy trip in Kuala Lumpur, Malaysia but the price for hiring the chauffeur services in Kuala Lumpur is exceeded your budget? Don’t worry, you can rent a car at an affordable price and travel within the Kuala Lumpur to enjoy in the most buzzing city in Malaysia.

In Malaysia especially in Kuala Lumpur are well equipped with public transportation, however, public transport is still not well developed. If you ask the opinion from Malaysian, most of them will tell you that public transport in Malaysia is not punctual and often will break down or skyrocketed price for the tourists, and this may end up delay and interrupt your planned itinerary. Therefore, you can refer to WSRentACar car rental company in Malaysia. As it is a reputable car rental company.

Hence, if you don’t want to waste your precious travelling time by stuck inside the public transport, the wise choice for you is to go for car rental Kuala Lumpur. It is true that there many advantages that you enjoy renting the car.

In this article, you will be enlightened about the reason why travelling by car rental is better than public transport based on the advantages you can enjoy the car leasing in Malaysia. Plan wisely for your trip, creating precious memories is what travel matter the most.

Free and easy is not a problem

One of the advantages that you can enjoy from car rental is that the freedom that you can experience by renting a car. As compared with travelling with the tour agency, where you have to follow where ever they go, and it is quite boring if they are going to the destination that you don’t like.

Hence, car rental service provides you with the free and easy benefit throughout the whole journey in Kuala Lumpur. You can drive the car to anywhere you like in Kuala Lumpur without being restricted from having to follow the group.

Besides, hiring car rental in Kuala Lumpur International Airport can provide you with the completely free and easy trip as you can obtain the car as soon with as the flight landed on Malaysia airport.

Cost is fixed for all in car rental services

Furthermore, the cost of car rental in Kuala Lumpur is relatively affordable compared to taking the public taxi especially when you are the foreigner that travelling in Kuala Lumpur. This is because when the taxi drivers realize that you are the tourist from the overseas country, they tend to charge you an unreasonably high price.

However, this wouldn’t happen when you are renting the car in Malaysia, as the car agency often has set the fixed price regardless of whether you are the tourist or not. So, from here you can actually save your budget on transportation and able to spend more on creating precious memories.

Car rental gives you privacy as well

Yes, it is true that car rental does provide you with the privacy space. For chauffeur service, there is the driver responsible in fetching you, whereas for public transport or tour agency you have to end up sharing the same transport with the other people where there is no privacy for yourself.

However, is it different from the vehicle leasing, where the agent will just pass you the car key and throughout the period of travelling, they wouldn’t follow you and you can enjoy the privacy inside the car with your family and friends instead of sharing with other strangers?

In the current era, companies are finding it hard to handle cyber-attacks. These attacks negatively affect the whole information technology infrastructure to a great extent. Therefore, it is good for businesses to do penetration vulnerability and testing scan to recognize weaknesses and ensure that all cyber controls are in the right way. To perform these tests, there are a lot of penetration testing service providers that can help you. However, for reliable and functional testing, it is good to consult brands. Great names are quite sure of the testing to be performed in the right way. The other significance of going for a particular brand during the whole process is;

Detects security threats and arrays effectively

The penetration testing firms that has a reliable name in the market estimate the capability of the company to guard its networks, users, endpoints, and applications from the outer and inner attempts to find loopholes in the security controls to attain unapproved and privileged entry to protect the assets. The outcome of the test settles the posed threat by particular security vulnerabilities or processes that are out of order, allowing the IT professionals and management professionals to put in place efforts of remediation. Firms, after taking services of big PCI DSS companies Malaysia to do penetration testing, they can efficiently antedate security threats and avoid unauthorized access to acute systems and basic info through performing comprehensive and regular pen test.

Copes vulnerabilities in the best possible way

The list of pentesting companies field provide comprehensive info on vulnerable and real security dangers, and that is also in a reliable manner. This is not a possibility in small firms. Through the performance of the pen test, a computer forensics Malaysia company can diagnose vulnerabilities that are severe, which are not worth the mention, and which are full marks for positives. This allows the digital forensic firms to ingeniously do remediation, perform security patches, and then allocate resources of security more proficient to make sure they are available at the time and where they are most.

Brands assist firms in circumventing network downtime

Convalescing from the security defect can the company so much when it comes to the plunged productivity of employees, IT remediation, customer protection, retention programs, legal activities, trade associates, reduced profits and discouraged trade allies. A penetration test service supports avoiding fiscal hitches by addressing and distinguishing threats in advance to security attacks and breaches.

It is advisable to spend on digital forensic in Malaysia to trust the image of the company and its trustworthiness.

One instance of forensic in Malaysia fails in saving the statistics of the customer when it comes to cost and affects the sales destructively alongside ruining their image among the details of the clients. Top brands of cyber crime in Malaysia and those with cybersecurity Malaysia may look costly but will help in evading data loss which can keep the reputation and reliability of the firms at stake.

Therefore, there is clarity that cybersecurity training brands should be preferred on the front of penetration testing. The big names are now big due to their successful and helpful services. It is good to choose them in the place of paying for losses of data. Go for names and remain secure for it to be an excellent strategy for the business. Anytime the computer network or corporate site is down, look for companies with cox certification training Malaysia and cask training course Malaysia to avoid loss of productivity and loss of clients.

Everybody knows that Kuala Lumpur city is one of a kind especially when you personally get to experience the memorable nightlife and have a great time with someone special.

The nightlife experiences in Kuala Lumpur are plentiful as the endless bustling city is teeming with the pubs, bars and clubs along the streets.

Whether you are looking for excitement party or savouring street foods, here are some of the best places to spend your night in Kuala Lumpur.

1. Chinatown Petaling Street Night Market

If you have already got tired of the hectic lifestyle in Kuala Lumpur, now try to relieve your worn-out soul with the street foods at Petaling Street Night market.

The nightlife in Petaling Street or also known as “Chinatown’s Petaling Street” is in a league of its own. Chinatown’s Petaling Street night market often become the hotspot as it gives you a different kind of nightlife that definitely different from what you may be used to.

To be true, the nightlife in Kuala Lumpur is not limited to the watering holes as you may also find abundant of hawker stalls with the tantalising Asian cuisine and the bustling night market that remain open until the wee hours of the morning.

Why you need to spend a fortune on lavish and exotic food when you could fill up your hunger with the countless savoury and tempting foods at night market at a reasonable price.

2. Sassorosso – Italian Restaurant

Looking for Europe exquisite and lavish cuisine of food in Kuala Lumpur? Then, dare you to have a taste of Italian cuisine at the best Italian restaurant.

Italian always regards the food with almost as much fervour as Malaysians. The Italian language is said to be one of the most amorous languages and yet nothing could beat their food either! Be it pizza, pasta or spaghetti, there should be at least one Italian dish that you will fall in love!

Sassorosso surely give you the authentic taste similar to the restaurant in Italy that would make you screaming – Mama Mia!

You may order a host of dishes namely pizza, fresh Italian seafood dishes and the savoury desserts with a European twist.

The menu will certainly satisfy your taste bud with the delicious Italian food that served by a highly-trained staff that will cater to all your requests and needs while dining.

In addition, Sassarosso also provides an event space for you who wish to hold any special part like company annual dinner or birthday party at the cool ambience of the Sassarosso romantic restaurant.

3. Heli Lounge Bar

If you are looking for a romantic fine dining, Heli Lounge definitely is the best occasion for you and you loved to enjoy the best dining restaurant in Kuala Lumpur.

There is an abundance of things that could be the wow factor when it comes to Heli Lounge Bar. Forget about the best candlelight dinner in Kuala Lumpur when you can enjoy the unique and precious moment with your loved ones at Lounge Bar during the best happy hour moment.

The Heli Lounge Bar’s little known-status inevitably will make you feel like are part of the super elite when you visit.

The concept of turning a helicopter pad into a unique nightlife hotspot is definitely one of the coolest you will ever see or experience in Kuala Lumpur.

Next, the theme where everything in the lounge aeronautically oriented as like a booth made from the converted side panel of a Boeing-747 and Boeing 737 turbine turned into a console for DJ.

You may enjoy the 260 degrees views of the Kuala Lumpur city as the sun set, unfettered by any safety barriers. The stunning view of the sunset is definitely an Instagram-worthy!

The open-air themed will make you feel like the sort of where you could fling your arms out like Titanic-style and shout “I’m the king of the world!”

You also will be served with a couple of the in-house cocktail like Hopper, a vodka-based drink with apple syrup or a Mojito-like drink with vodka. Sometimes, they might have a special promotion for the cheapest beer during the special hour.

Nevertheless, the Helipad is the main highlight as you here for. This is probably the best spot to enjoy the skyline of KL without the barrier. “You Only Live Once!”

Recycling is a series of activities or processes, which includes sorting and collection of waste materials, processing materials to produce new products and purchase the utility of new products by consumers. Recycling by the recycle bin supplier in Malaysia is more efficient and optimized when you practice reduce, reuse, and recycle. For more details, please click here.

The waste reduction that gets carted to the landfills and recycling centre is achieved through an intentional decrease in consumption, composting, and purchases of organic waste and refusal to utilize disposable items like plastic bags and polystyrene from recycling garbage bin. Reusing materials focuses on lengthening the usage of particular items. Examples include repurposing bottles of glass into lamp shades, giving old cell phones to friends and family for reuse, and recycling street trash bins in community swimming tubs.

Recycling protects surroundings

Recycling reduces the waste amount which gets disposed of in landfills or burned in the incinerator plants. Engineered incinerators and landfills in many cities have the design of containing toxic chemicals leaking from decaying waste from getting to the water systems. Of late, reports of toxic chemicals contaminating the supply of water in cities. Burning solid waste for electricity is efficient, but the price gets paid when it comes to increased greenhouse gas emissions.

It helps conserve resources

To put these benefits in perspective, when you the hand soap dispense supplier at a task, you will save a lot of limestones, iron core, and coal. When you use the rubber hum supplier and tissue paper supplier in Malaysia to do recycling, you will save over eight million trees.

Resources like precious metals and oil are finite resources that will get extinct sooner or later. Computer and cell phone manufacturers like Apple, and Dell, recognize the requirement for steady supply of raw materials, many of which are in buy-back programs to recycle materials of used products.

Recycling promotes the efficiency of energy

Using PVC coil mat supplier Malaysia to recycle is more efficient in terms of consumption of energy than producing fresh items from raw materials. Done on a national scale, this leads to a reduction in the cost of energy. The energy needed by the floor mat supplier to process, extract, and transport metal from the quarry to the refinery is greater than what is needed to recycle it from used material. It costs more to manufacture new aluminium can than recycling ten cans from recycles materials.

Helps build the economy

Every energy efficient, cost-reduction, job generation, and material conservation benefit leads to the growth of the economy of the country. Recycling, done by the safety equipment supplier, has a very big impact on the country’s economy. There was a drop in recyclables prices after the financial crisis but is a resiliency for the industry whose levels are back to normal. Jobs are generated and town and city governments are enjoying reduced costs in landfills, garbage collection, electricity, and garbage.

It creates jobs and builds communities

Recycling done by Q up stand supplier Malaysia generates more jobs compared to incinerating or landfilling waste. That is a benefit you cannot lose sight of when it comes to the current rate of unemployment and recession. Burning waste for electricity creates one job, collection and dumping it in the landfill creates six jobs, and taking it to bollard supplier Malaysia for recycling creates thirty jobs. In many cities and neighbourhoods in the world, there are citizens working with air freshener suppliers in environment lobby groups, free recycling groups, and other recycling initiatives.