Lowyat.NET: Latest topics by kingkhong2008

KWSP Withdrawal to Purchase House

kingkhong2008 — Wed, 09 Sep 2015 14:15:12 +0800

Hi all,

Just want to check with you guys.

I am in the process of buying an apartment.

It's a freehold property however need land office consent to transfer.

The strata title has been issued however the vendor have not transfer to his name.

Thus right now the process is that there will be a direct transfer of the title from developer to my name.

So for withdrawal from KWSP for purchase of first home, they need a few things.

1) S&P - i have
2) Loan offer/agreement - have
3) Title in the name of buyer - i do not have this as the title is still not transferred to the current owner
or;
4) Title in my name/MOT completed - i do not have as it is still in the process of getting land office consent.

My question is there any way i can withdraw the money now (not waiting for land office consent), as I have forked out the 10%. I need the money to pay the other professional fees. I understand this process will tale a long time from land office approval.

Any advise? Anyone have the same problem before with me, and resolved it.

Thanks.

[WTS] Knoxlab Cardboard (Google)

kingkhong2008 — Fri, 17 Jul 2015 21:58:57 +0800

Item(s): Knoxlab Cardboard

Package includes: Cardboard, Rubber band

Price:RM 100

Warranty: No

Dealing method: COD

Location: PJ, Sri Petaling, Damansara

Contact method/details: PM me
---

Item(s) conditions: New, 1 week

Picture:

Reason for sale: Can't be use on Note 3

http://www.knoxlabs.com/collections/all/products/erwins-box

Second Home Mortgage

kingkhong2008 — Fri, 21 Feb 2014 10:42:42 +0800

Hi all.

I'm planning to buy a condo sometime this year.

Property value circa RM 400k and with MOF of 90%.

However, next year I might be getting another property, valued at RM 500k. This time my margin of financing is 40% as my mom will pump in money for the DP, but the loan will be under my name.

Is it possible that Banks will approve my second mortgage? Will the interest rate differs?

What strategy should I play as my mom can't take loan I believe. She is retiring next year, but with pension of around RM 3k per month.

Or is it possible that I take the loan under me and my brothers name? Or me and my mom's name.

My earnings is around RM 4,800 per month.

Thanks.

Loan Limit

kingkhong2008 — Wed, 18 Sep 2013 11:58:02 +0800

Dear all,

My earnings is around RM 4k. What is the property value maximum that i can take?

Its all about cable

kingkhong2008 — Wed, 09 Feb 2011 09:01:52 +0800

Im working in a GLC and most of my 'new' superior all came in by cable........sick

[WTA] 1st time property buyer

kingkhong2008 — Tue, 08 Feb 2011 23:15:15 +0800

I read today that 1st time house buyer with monthly income less than RM 3000 can get 100% financing.

If that is true, then should I venture into property investment?

Say, I get a RM300,000 apartment.

Then wait for price appreciation.

Or I could buy from a secondary market and earned on passive income.

Will this work?

thanks

Used Car: Honda Jazz 2004 or Toyota Vios 2004?

kingkhong2008 — Tue, 08 Feb 2011 15:06:22 +0800

I'm currently looking at used car. Torn between

Honda Jazz 2004

and

Toyota Vios 2004.

Both have around the same 2nd hand price range.

Any comments?

thanks

Vios 03/04/05 or Persona 07/08

kingkhong2008 — Fri, 21 Jan 2011 14:36:50 +0800

Need help from you guys sifus of cars

Planning to get a second hand car.

But was unsure whether to get:

Proton Persona 2007/2008

or

Toyota Vios 2004/2005

Which one wud be the better choice.

Of course Persona would be cheaper but Vios is too tempting of the quality and brand name. However, If I would get a Vios, it wud be getting an older car with higher price as compared to persona.

Do you think if I fork out say another RM8-10K more to get a used Vios would be more worth it. Cos one more thing with that price, I still can get a hand on a new Persona but maybe the B-Line version.

Any comment from you guys out there?

Thank you for reading. WOuld appreciate much your comments

-King-

Is ACCA only for accountants?

kingkhong2008 — Mon, 20 Dec 2010 08:36:40 +0800

Hi all,

Currently I'm working as an executive in a department(Holding company) dealings with my company's business monitoring unit and also from time to time will do due diligence and risk assessment (in terms of business, financial, economics etc) on projects that the subsidiaries are undertaking. Value of investment varies from RM10 Million and more.

I have a degree in accounting and are looking at my options to top up my knowledge.

I have browse through the syllabbus in ACCA and are quite impress with the topics covered such as business analysis, performance management, financial management.

But are ACCA only for accountants?

Or should I look for courses in MBA instead?

Because I felt of taking MBA when I have more experience in hand in future. I currently had started working for 2 and a half years only.

You views and comments are appreciated.

Thank you!

King

Procedure@pumping petrol using cc and smiles card

kingkhong2008 — Thu, 22 Jul 2010 09:19:00 +0800

I have one question.

I just got a credit card

What is the procedure to pump petrol using the card and my rewards card(smiles esso)

Do i put in my cc first or smiles card then only press the amount?

Or press the amount first then put the cards?

anyone can help?

thanks

Going back to audit

kingkhong2008 — Thu, 22 Apr 2010 10:36:56 +0800

Hi all,

After graduation I've been working in a Big 4 company as an audit assistant.

Work is okay, quite fun and challenging, but the working hours is hell, plus get a senior who bully me to the max.

So, I left after 11 months to a commercial company, a GLC as management trainee.

But it seems, my company is not providing the experience and job that I can learn. Very slow pace. The MT programme also loos unstructed. Once I come in only I realise that.

Ive been here for almost 10 months now.

Thought of going back to audit.

Do you think is the rite choice?

I scared I will regret spending that hell of moment for another 3 or 4 years in audit.

I plan to get married in 2 years time.

How to have a family life working like a dog.

but if i would stay in my current company, learning curve is slow.

Please advice.

Thank you, much appreciated.

Korg X5D AC Adapter

kingkhong2008 — Wed, 23 Dec 2009 11:22:37 +0800

Am finding an ac adapter for Korg X5d

Anyone can help?

Thanks!!!!

Im doing business development, should I take ACCA?

kingkhong2008 — Mon, 27 Jul 2009 11:49:45 +0800

Hi guys.

I was from Accounting background with a degree in Accounting.

Just want some advice.

I'm working in the corporate planning & business development area and my scope of job involves not only to read accounts, but also other related areas such as the share market and some finance stuffs.

Should I take ACCA?

Or instead enroll in a MBA programme once i got enuff years of work experience.

Or, does ACCA grant someone in my field to be eligible for ACCA work experience to become a member.

Many thanks in advance.