Lowyat.NET: Latest topics by heLL_bOy

Applying joint loan with relative, commercial prop

roarus — Sun, 25 Apr 2021 10:28:43 +0800

Relative is close but not immediate family like parent/sibling, been working overseas most of life and came back couple of years back to dive into property game. Relative requested joint name for loan application to boost loan approval possibility. This is due concern of not having local credit history, relative bought car and didn't managed to get loan so paid full in cash. Target property is a commercial property. Myself, I don't have a property loan or car loan.

There is an importance for loan approval since relative is interested in an auction property. Serving for loan and management of property will be done 100% by relative. Basically just want to make use of my local credit history.

Would like to know what are the risks and measures I can protect myself, there is little doubt that relative can serve loan - but life happens.

Legal implications:
1. Bank loan - since my name is in it, the bank can come after me and declare me bankrupt in the event of default correct?
2. I should request my name to be in the S&P as well? I'm aware there will be transfer fee to remove my name in the future. What other legal implications do I bear if my name is in S&P? Example, if property is rented out and tenants are caught doing illegal things
3. I read that co-owners of a property can have a Joint Ownership Agreement, but it doesn't solve (1) and (2) correct? It mostly covers who pays loan/maintenance as well as what to do with property in event of fall-out/disagreement/death?

Future home loan eligibility/DSR
1. Does it affect my DSR? If yes, is it my half the amount of monthly loan repayment?
2. Will my first home be considered "2nd property" by bank?

Tax:
1. Am I liable for RPGT if relative disposes property within 5 years?

Feel free to add more points for consideration, I'm not too familiar with the property world.

WTS Used Intel i5 750 + Stock cooler

roarus — Sun, 03 Jan 2021 17:17:17 +0800

Item(s): CPU + Stock cooler

Package includes: Intel i5 750, stock cooler + 3 spare plastic pins

Price: RM55

Warranty: None

Dealing method: COD

Location: SS15 McD Drivethru/Shell Subang Jaya

Contact method/details: Reply here or PM
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Item(s) conditions: Used

Picture:

Reason for sale: Upgraded

Corsair DDR3 (2x2GB and 2x4GB)

roarus — Sun, 22 Nov 2020 20:50:35 +0800

Item(s):
240 pin DDR3 desktop ram
2x2GB Corsair DDR3 1333Mhz (VS2GB1333D3)
2x4GB Corsair DDR3 1600Mhz (CMV4GX3M1C1600C11)

Package includes: RAM and box

Price: SOLD

Warranty: One week

Dealing method: COD

Location: Subang Jaya SS15 Shell next to McD Drivethru

Contact method/details: Post here and/or PM
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Item(s) conditions: Used, working before taken out during upgrade (20 Nov 2020)

Picture:

Reason for sale: Upgraded

WTG: PCI cards, drives, coolers, cables, etc

roarus — Sun, 22 Nov 2020 20:36:53 +0800

Giving away some vintage parts, if no taker will eventually bin them.

Item(s):
1. PCI Network card: IBM Netfinity 10/100 (detectable in Windows, data transfer not tested) Taken
2. PCI Sound card: Prodigy 7.1 (unknown, not tested) Taken
3. IDE DVD writer: LG (only tried ejecting tray, sometimes doesn't eject and need 'assistance' to pull tray out)
4. IDE Floppy drive: Sony (only tested floppy can eject)
5. CPU cooler: CoolerMaster (fan unknown condition) - I think it's for old AMD Athlon Socket A, 3 pin
6. Chipset cooler: Unknown brand (fan unknown condition) Taken
7. IDE to SATA adapter Taken
8. USB to PS/2 adapter
9. PS/2 to AT adapter
10. PCI slot USB 2.0 port to mobo
11. PCI slot Firewire 1394 to mobo Taken
12. Firewire cable
13. 2x IDE cable for HDD/optical drive
14. IDE cable for floppy drive

Package includes: Item as per picture without box. Will wrap with paper/newspaper.

Price: Free

Warranty: None

Dealing method: In person (weekends only)

Location: Subang Jaya SS15 Shell next to McD Drivethru

Contact method/details: Post here and/or PM
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Item(s) conditions: Used, unknown condition

Picture:

1. PCI Network card: IBM Netfinity 10/100 (detectable in Windows, data transfer not tested) Taken
2. PCI Sound card: Prodigy 7.1 (unknown, not tested) Taken

More photos:
View 2
View 3

3. IDE DVD writer: LG (only tried ejecting tray, sometimes doesn't eject and need 'assistance' to pull tray out)
4. IDE Floppy drive: Sony (only tested floppy can eject)

More photos (link):
View 2
View 3

5. CPU cooler: CoolerMaster (fan unknown condition) - I think it's for old AMD Athlon Socket A, 3 pin
6. Chipset cooler: Unknown brand (fan unknown condition) Taken

More photos (link):
View 2
View 3

7. IDE to SATA adapter Taken
8. USB to PS/2 adapter
9. PS/2 to AT adapter

More photos (link):
View 2

10. PCI slot USB 2.0 port to mobo
11. PCI slot Firewire 1394 to mobo Taken

12. Firewire cable
13. 2x IDE cable for HDD/optical drive
14. IDE cable for floppy drive

Reason for sale: No longer used

[WTS] Salomon XT WP (2011) Waterpoof Jacket

roarus — Sat, 11 Jan 2014 18:48:10 +0800

Size M - Waterproof, no hood

Item(s):Salomon XT WP (2011)

Package includes: Jacket

Price: 280 (nego)

Warranty: Brand New

Dealing method: COD/Post

Location: Working days (7-8pm): Putrajaya, Other times: Sunway/PJ/Subang Jaya

Contact method/details: PM me (preferred) or reply
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Item(s) conditions: Brand New, only test fitted size

Picture:

Reason for sale: Size not right, and needed hood

Found edifier box in Putrajaya ERL

roarus — Wed, 21 Mar 2012 09:44:36 +0800

Found after 920am train left, handed it to person behind ticket counter.

Plastic bag contains edifier box(sealed, dont know speaker or not) + another red plastic bag with unknown content.

If it's yours pls contact ERL to claim.

Bus falls off flyover,more than 20 passenger hurt

heLL_bOy — Tue, 14 Jul 2009 16:08:26 +0800

Bus falls off flyover, more than 20 passengers hurt

KUALA LUMPUR: A RapidKL bus toppled off the Kg Kerinchi ramp heading towards Jalan Pantai Baru and toppled onto the motorcycle underpass.

More than 20 passengers are injured.

The bus driver is believed to have hit the edge when he swerved to avoid a car being driven haphazardly.

The accident has caused a massive traffic jam along the Federal Highway.

http://thestar.com.my/news/story.asp?file=...0036&sec=nation