Property Name: Kiaramas Cendana
Location: Mont Kiara
Developer: Asia Quest
Completion Date: March 2006
Type: Condo
Tenure: Freehold
No of Storey: 29
No of Units: 184
Built up: 1,659 - 2,460 (standard) and 2852 - 4830 (penthouse)
Maintenance fees: RM0.20 psf
Subsale price: RM440 - RM500 psf
Rental: RM3 - RM3.5 psf
Facilities: Hot water spa, infinity edge lap pool, separate service lift, separate service lift lobb, separate service for loading-unloading bay and wired for remote video surveillance system.
Accessiblity: Kiaramas Cendana is linked to Sprint Highway and residents could drive easily to Kuala Lumpur International Airport, the North Klang Valley Expressway, Petaling Jaya, Shah Alam and Port Klang if the traffic is smooth.
Transport: Rarely bus services, approximately one bus in an hour, no LRT.
The developer seems to have learned from their experience in previous projects, especially complaints from its Kiaramas Sutera, to build a fine quality condominium this time. After launching a few projects, Asia Quest Holdings, the developer of the condominium, has learned from its past experience and built this with fine quality.
There are also some factors that the potential buyers need to look into before deciding on investing in the condominium. There are not much complaints about the quality of the built but many would compare it with other better constructed condominiums around and found it is still not the best in the area. Many preferred Kiaramas Ayuria for its quality and materials used. Well, these things are subjective and differed from one person to another.
Kiaramas Cendana is built on elevated ground, 18 storey higher than existing neighboring developments. It is 416 feet above sea level, with panoramic views and is accessible through a new 80 feet wide tree-lined road.
Every unit comes with a water spa; separate shower area and long bath for every master bathroom; additional wet kitchen area, complete with worktop and a single bowl sink; extra utility room; 4 pair incoming lines for all your telephony and internet use; computer networking points to all bedrooms to enable shared internet surfing; large porcelain polished tiles (600mm x 600mm) for dinning area and other bedrooms; timber flooring for master bedroom; solid decorative door for all bedrooms; built in kitchen cabinets complete with homogeneous acrylic solid surface kitchen top; and 2 adjacent car park bays for standard unit and 3 adjacent car park bays for penthouses.
摘自http://www.propwall.my/mont_kiara
来看看Kiaramas Cendana的subsale市场叫价(ASKING PRICE).
thinkproperty.com.my资料库显示:
14/4/09 ~ 23/4/09 - 4间代转手
6月 - 1间代售
13/7/09 ~ 30/7/09 - 有4间
7/8/09 ~ 31/8/09 - 有13间
换句话说,每月有(22/4)=5.5间代转手.
Sunday, September 20, 2009
Example 3
MOnthly = 875
1st year
1 year payment = 875 x 12 = 10,500
interest = 190k x 3.75% = 7125
principal = 10500 - 7125 = 3375
2nd year
oustanding = 190k - 3375 = 186625
total payment = 10500
interest = 186625 x 3.75% = 6998
principal = 10500 - 6998 = 3502
3rd year
outstanding = 186625 - 3502 = 183123
total payment = 10500
interest = 183123 x 3.75% = 6867
principal = 10500 - 6867 = 3633
outstanding balance = 183123 - 3633 = 178490
profit = 190k - 178490 = RM11510
1st year
1 year payment = 875 x 12 = 10,500
interest = 190k x 3.75% = 7125
principal = 10500 - 7125 = 3375
2nd year
oustanding = 190k - 3375 = 186625
total payment = 10500
interest = 186625 x 3.75% = 6998
principal = 10500 - 6998 = 3502
3rd year
outstanding = 186625 - 3502 = 183123
total payment = 10500
interest = 183123 x 3.75% = 6867
principal = 10500 - 6867 = 3633
outstanding balance = 183123 - 3633 = 178490
profit = 190k - 178490 = RM11510
房屋投资案例2
2009年买进一间CONDO价值RM190,000.
和银行借90%,即RM171,000.
假如以BLR-1.8%(3,75%)利息算。
分30年摊还,每个月得还RM792。
一年得还银行RM792 x 12月= RM9504
租金=RM900 x 10月=RM9000
CASH FLOW = RM900 x 2月= RM1800 - RM504=RM1296(用来摊还CUKAI PINTU,地税,MAINTENANCE FESS...)
30年后总共换银行RM792 x 360月=RM285,120
我每个月还的PRINCIPAL=RM171,000/360月=RM475/月
30年后供还RM475 x 360月=RM171,000.
SO,利息=RM285,120-RM171,000=RM114,120.
假如3年后我以同样价钱卖出,RM190,000.
通常我们是用 software 算
如果要自己算,我只能给你个大概
因为利息是 base on 每天的 outstanding balance
而我用的是 base on 每年的 outstanding balance
Loan RM171k, interest 3.75%
第一年总共供了 RM792 x 12 = RM9504
第一年的利息是 RM171k x 3.75% = RM 6413
Principle 减少了 RM3091
然后第二年还欠 RM171k-RM3091 = RM167,908
第二年总共供了 RM792 x 12 = RM9054
第二年的利息是 RM167,908 x 3.75% = RM 6297
Principle 减少了 RM2757
第三年还欠 RM167,908-RM2757=RM165,151
第三年总共供了 RM792 x 12 = RM9054
第三年的利息是 RM165,151 x 3.75% = RM 6193
Principle 减少了 RM2861
所以还欠银行RM165151 - RM2861 = RM162290
假设LOCK IN PERIOD只是3年(已过),S&P由买方承担。
那么,我的盈利
= RM190,000 - RM162290 - RM19000(deposit)
= RM8710
ROI
= RM8710 / RM19000
= 45%
ROI/3 years = 15%/year
和银行借90%,即RM171,000.
假如以BLR-1.8%(3,75%)利息算。
分30年摊还,每个月得还RM792。
一年得还银行RM792 x 12月= RM9504
租金=RM900 x 10月=RM9000
CASH FLOW = RM900 x 2月= RM1800 - RM504=RM1296(用来摊还CUKAI PINTU,地税,MAINTENANCE FESS...)
30年后总共换银行RM792 x 360月=RM285,120
我每个月还的PRINCIPAL=RM171,000/360月=RM475/月
30年后供还RM475 x 360月=RM171,000.
SO,利息=RM285,120-RM171,000=RM114,120.
假如3年后我以同样价钱卖出,RM190,000.
通常我们是用 software 算
如果要自己算,我只能给你个大概
因为利息是 base on 每天的 outstanding balance
而我用的是 base on 每年的 outstanding balance
Loan RM171k, interest 3.75%
第一年总共供了 RM792 x 12 = RM9504
第一年的利息是 RM171k x 3.75% = RM 6413
Principle 减少了 RM3091
然后第二年还欠 RM171k-RM3091 = RM167,908
第二年总共供了 RM792 x 12 = RM9054
第二年的利息是 RM167,908 x 3.75% = RM 6297
Principle 减少了 RM2757
第三年还欠 RM167,908-RM2757=RM165,151
第三年总共供了 RM792 x 12 = RM9054
第三年的利息是 RM165,151 x 3.75% = RM 6193
Principle 减少了 RM2861
所以还欠银行RM165151 - RM2861 = RM162290
假设LOCK IN PERIOD只是3年(已过),S&P由买方承担。
那么,我的盈利
= RM190,000 - RM162290 - RM19000(deposit)
= RM8710
ROI
= RM8710 / RM19000
= 45%
ROI/3 years = 15%/year
Friday, September 18, 2009
房屋投资盈利/亏损计算
银行贷款计算疑问
假设:
2009年买进一间CONDO价值RM140,000.
和银行借90%,即RM126,000.
假如以BLR-1.8%(3,75%)利息算。
分30年摊还,每个月得还RM584。
请问可以这样说吗?
我每个月还的PRINCIPAL=RM126,000/360月=RM350/月
30年后供还RM584 x 360月=RM210,240.
SO,利息=RM210,240-RM126,000=RM84,240.
再假如3年后我以RM145,000卖出,
通常我们是用 software 算
如果要自己算,我只能给你个大概
Loan RM126k, interest 3.75%
第一年总共供了 RM584 x 12 = RM7008
第一年的利息是 RM126k x 3.75% = RM 4725
Principle 减少了 RM2283
然后第二年还欠 RM126k-2283 = RM123 717
第二年总共供了 RM584 x 12 = RM7008
第二年的利息是 RM123 717 x 3.75% = RM 4639
Principle 减少了 RM2368
第三年还欠 RM121 349
第三年总共供了 RM584 x 12 = RM7008
第三年的利息是 RM121 349 x 3.75% = RM 4550
Principle 减少了 RM118 891
如果用 software 算,真正的是欠 RM118 323
因为利息是 base on 每天的 outstanding balance
而我用的是 base on 每年的 outstanding balance
假设:
2009年买进一间CONDO价值RM140,000.
和银行借90%,即RM126,000.
假如以BLR-1.8%(3,75%)利息算。
分30年摊还,每个月得还RM584。
请问可以这样说吗?
我每个月还的PRINCIPAL=RM126,000/360月=RM350/月
30年后供还RM584 x 360月=RM210,240.
SO,利息=RM210,240-RM126,000=RM84,240.
再假如3年后我以RM145,000卖出,
通常我们是用 software 算
如果要自己算,我只能给你个大概
Loan RM126k, interest 3.75%
第一年总共供了 RM584 x 12 = RM7008
第一年的利息是 RM126k x 3.75% = RM 4725
Principle 减少了 RM2283
然后第二年还欠 RM126k-2283 = RM123 717
第二年总共供了 RM584 x 12 = RM7008
第二年的利息是 RM123 717 x 3.75% = RM 4639
Principle 减少了 RM2368
第三年还欠 RM121 349
第三年总共供了 RM584 x 12 = RM7008
第三年的利息是 RM121 349 x 3.75% = RM 4550
Principle 减少了 RM118 891
如果用 software 算,真正的是欠 RM118 323
因为利息是 base on 每天的 outstanding balance
而我用的是 base on 每年的 outstanding balance
Friday, September 11, 2009
MONT KIARA中高级公寓泛滥
最近对MONT KIARA住家房地产做了一些功课,以免在机会来临时让它溜走了。
那MONT KIARA一区的住家房地产还适合投资吗?我个人觉得还瞒不错的,"地利"MONT KIARA可算是KL区数一数二的了,但投资就必须配合"天时","人和"了。
我本人觉得现在绝对不是好"天时" (正如富爸爸所说,你的投资盈利取决于你买入时的价格,而不是你卖出时的价格!) ,也不是好"人和".. :)
为什么这么说呢?目前MONT KIARA房地产屋价仍高企,新楼盘一个接一个,很明显RENTAL DEMAND被SUPPLY远远抛开了,你只要打开PROPERTY SUBSALE WEBSITE,代脱手的屋子一箩箩...
我主要把MONT KIARA切成4个ZONE来分析,如图:
zone A:新旧PROJECT参半。最靠近Segambut Dalam,放工放学时间交通阻塞情况严重。
zone B: 很多新楼盘在动工着,所以暂时周围环境会比较吵,空气比较差.现有的是比较后期建好的PROJECT。
zone C:大多属于比较早期的SUNRISE PROJECT,已有十多年历史,当然也不少新盘。环境相对其他zone会显得比较清静,expatriate大多集中在这里。
zone D:属于较后期的发展。SOLARIS MONT KIARA会是这一区的焦点。
来看看主要发展商:
SUNRISE - MONT KIARA是SUNRISE的命根,是这一区的大玩家。
YNH
GLOMAC
接下来,来一一看MK的所有产业。
先说说ZONE B的KIARAMAS产业。
下面这个LINK提供了很好的供参考资料:
http://www.propwall.my/mont_kiara
那MONT KIARA一区的住家房地产还适合投资吗?我个人觉得还瞒不错的,"地利"MONT KIARA可算是KL区数一数二的了,但投资就必须配合"天时","人和"了。
我本人觉得现在绝对不是好"天时" (正如富爸爸所说,你的投资盈利取决于你买入时的价格,而不是你卖出时的价格!) ,也不是好"人和".. :)
为什么这么说呢?目前MONT KIARA房地产屋价仍高企,新楼盘一个接一个,很明显RENTAL DEMAND被SUPPLY远远抛开了,你只要打开PROPERTY SUBSALE WEBSITE,代脱手的屋子一箩箩...
我主要把MONT KIARA切成4个ZONE来分析,如图:
zone A:新旧PROJECT参半。最靠近Segambut Dalam,放工放学时间交通阻塞情况严重。
zone B: 很多新楼盘在动工着,所以暂时周围环境会比较吵,空气比较差.现有的是比较后期建好的PROJECT。
zone C:大多属于比较早期的SUNRISE PROJECT,已有十多年历史,当然也不少新盘。环境相对其他zone会显得比较清静,expatriate大多集中在这里。
zone D:属于较后期的发展。SOLARIS MONT KIARA会是这一区的焦点。
来看看主要发展商:
SUNRISE - MONT KIARA是SUNRISE的命根,是这一区的大玩家。
YNH
GLOMAC
接下来,来一一看MK的所有产业。
先说说ZONE B的KIARAMAS产业。
KIARAMAS区目前主要由四个楼盘组成,如上图中圈圈的部分:
- KIARAMAS CENDANA
details- KIARAMAS AYURIA
- KIARAMAS SUTERA
- GATEWAY KIARAMAS, 新楼盘
下面这个LINK提供了很好的供参考资料:
http://www.propwall.my/mont_kiara
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