Discussion back then with a forummer

This was what i shared with a forummer back then.

Go straight to the developer in Horizon Hills, visit the place and check. I know of units in The Golf, soon to be developed will be around 350k for a terrace(that will take 1 year to 1 year plus).

There are choices actually within your budget. You could do a google,(i don't want to point it here as people may think i am an agent or i have hidden agendas) i saw some units at The gateway where they are asking for around 339k for a 2100 sqft(build up place) and about 300k for a 1830 sqft place(built up) terrace. These looks to be resale though but gives you the idea of the pricing and of course, they are ready for occupancy.

I really meant well and do not wish to benefit from this. I just want to help fellow Singaporeans. We are always helping people from other countries, helping them reconstruct or construct houses for people to live in poor countries.

Why don't we help each other for once? There are needy Singaporeans who need your help. People always say be kind to animals, have you been kind to a person lately?

If i can shine a light to show the way, however dim it may be to benefit a fellow man, i will.

Also these 2 i mentioned have 4 rooms plus 1 maid room i think so its pretty spacious for the price.
I actually wished i started years earlier and heard the news on the radio, that way, i could have bought the houses earlier at Gateway when they were still building them so that they would be much cheaper then.

One thing though if you buy resale, you normally have to pay 1% comms to agent as a buyer. Also, the one time 10,000 ringgit levy and the stamp duty, normally much less than 10,000 ringgit normally depending on price of property.

Last thing is to check the interest rates and terms of the loan with the bank first and read through the T&Cs.

CW3

There is actually an existing bus that goes over the 2nd link, straight to Jurong East. Its called CW3 but there are also other buses from and to different areas, Kranji etc. Maybe if we have critical mass, folks from HH can charter a daily bus from the area.

http://www.handalindah.com.my/servic...3A152716%3A826

No. No one can guarantee tomorrow but at least one can get started today.

Again, i am not saying this is the best for everyone. Although it is to me relative to the risks and money involved, you don't need to live at Horizon Hills/Mont Calista or even in JB, there may be better places and better countries, all i am saying is that there are always choices.

The choice is yours.

Questions about hidden costs

What i am sharing here are the results of months of painstaking research from speaking with folks.

I do not seek to profit and you can see that until now i have not made any recommendations of agents or persons. Bros who PMed me can also tell you that i have never recommended anyone. They can just go direct without a need for agent if you read my last couple of posts.

No property taxes, can someone start reading the posts seriously? You will find that i have already repeated no property/taxes on capital gains(since 2007)

I am not sure what you meant by hidden costs but i would strongly suggest you go down, ask the developer or agents(depending on what you are buying)
Look around, i also asked the folks here to rent if they are unsure.

Remember, i am only saying that moving to JB is a good thing, Horizon Hills/Mont Calista are just the good ones i know of. There are also other good properties around but i am just sharing my experience.

To help fellow Singaporeans here who genuinely want to move to JB and to stop the detractors(kopi money/dangerous/plantation/hidden costs), you can go straight to the site to find out more about property tax and others.

http://www.propertyshowrooms.com/mal...operty-tax.asp

Other properties, this one i haven't tried but may be worth a look:
http://www.spsetia.com.my/setia_eco_park/

But what about hidden cost - property tax, utilities tax and foreigner/Sporean tax?

There are no such taxes, forget all the things you learned in Singapore, its really pretty savings on many fronts:

http://www.malaysianpropertypartners...-tax-benefits/

Some useful references found from google:
http://www.irda.com.my/

http://en.wikipedia.org/wiki/Iskandar_Malaysia

http://www.asiaone.com/Business/My%2...26-143998.html

What i thought about condos back then.

GCC clubhouse pool

One thing to look out for is to make sure the place you are buying is built up already. If its a reputable developer then its ok, at least you can put your trust in them to build your place up in 1-2 years. Best if you do it like me which is pay a higher premium but the whole house and everything else is done up. Just needs to plug in appliances, do the lights and aircon. I don't mind paying higher when it means i have something tangible on hand.

Also, avoid the condos there unless you know the place well,it may be good at the beginning but some of the management may later just run away or take your money and disappear, with no one to clear the rubbish and fix the lift, it will be a nightmare.

That is why much of their condos are dirt cheap, while on route to the Horizon Hills area, you will see some with advertisements saying 80,000 ringgit. Its actually not bad for the price that you are paying for but the locals advised me against it.

Always go for landed and gated security if you can. The management can't really run away because they are the developers and also they have a golf course and an image to maintain. Even in the very unlikely scenario that they run away, at worse i will hire a refuse truck daily to clear my rubbish and i don't have a lift to worry about, unlike a condo.

I would suggest starting small and getting a cluster or a terrace first, try it out and see if you like it.

The smell of fresh air in a safe environment is great! They built a park in the compound right besides my place and i can exercise and relax without the fumes from cars.

My wife told me Its a pity we are not bumis as they can get another 10 percent off but well, i am pretty happy as it is.

I hope all bros can benefit from this.
Peace and happiness to all(Singaporeans/Johorians)

Do you really need an agent if you are buying direct from the developer?

Thats the beauty of it, you don't actually need an agent if you are buying direct from the developer.

Of course, if buying resale, you would then need one. The agent, whether local or otherwise will handle everything for you.

Its actually better to just have one agent else you have to pay multiple levels of commissions. As it is, for the agent i used, i have to pay them 1% of the total

Loans from Banks

Income requirement varies from bank to bank but they normally want you to be able to support your monthly loan at a ratio of 1/3. That means your monthly repayment should not exceed a third of your total income.

What a garden area of a HH cluster looks like