Hening Terrace House For Sale Presint 16 Putrajaya


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HENING Terrace House in Presint 16, Putrajaya For Sale

HENING Lakeview Presint 16 Precint 16 Putrajaya, Putrajaya
** NEW LAUNCH IN PUTRAJAYA **

HENING @ PRESINT 16 PUTRAJAYA

Price stated : Gross Price before Bumi Discount & CSRU Discount
( Starting after Discount around 1.2 mill ++ (*T&C) )

– FREE S&P & MOT
– 15% Discount for bumi
– 25% Discount for govt staff (CSRU)
– FREEHOLD
– Booking RM10k only

-Neighbouring Government Offices
-Adjacent to Official Residence of the Deputy Prime Minister (Exclusive)
-View towards Putrajaya Lake
-Walking Distance to Putrajaya Lake
-Walking Distance to Lakeside Promenade
-Wide promenade with lush landscape
-Low density – 9 units per acre
-Near to a 35 acres park, Taman Warisan Pertanian
-Ready amenities & facilities : swimming pool, squash & badminton, schools, community hall, surau, petrol kiosk and wet market (2km)
-Near to Alamanda Shopping Mall (500m) and The Everly Hotel (2.5km)
-New Federal Government Administrative Centre
-Resort environment away from hustle & bustle of city
-World Class infra & amenities
-Maju Expressway (Mex) connects KL City Centre to Putrajaya – only 20 minutes drive away
-Located between KL city centre and KLIA only 25 mins drive to KLIA
-Close to KLIA Transit station – Only 18 mins to KLIA / KL Sentral
-Integrated city development supported with ready amenities & facilities


Price stated : Gross Price before Bumi Discount & CSRU Discount
( Starting after Discount around 1.2 mill ++ (*T&C) )

3 Storey Superlink Homes (Type A) Build-Up 3,678-4,496 Land 26x80 (2,081 – 4,850 sf) (5R 6B) RM1.90mil-RM2.5mil

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3 Storey Superlink Homes (Type B) BU 3,674-3,939 Land 26x75 (1,950-5,158 sf) (6R 6B) RM1.9mil-RM2.3mil

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Storey Superlink Homes (Type C)
BU 3,306-3,495 Land 24x75 (1,800-3,495 sf)
(5R 6B) RM1.6mil-RM1.9mil

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Located right in front of the tranquility lake, Hening commands a wonderful view and perfect ambience. Natural environment with
lush landscape, migratory birds, lake, wet land and picturesque.

With only 39 units, it forms a limited edition with 3 types of Terrace Villa designs to choose from. The floor layouts are spacious and
practically come with 5 rooms to cater for the main target market which is middle age group with family. Each house comes with individual fencing and alarm system for peace of mind as security is one of the upmost concern for prospective buyer.

Precint 16 is located to the northern core area precinct of Putrajaya. Precinct 16 main’s components are residential buildings, complemented by various public amenities which includes a School Complex, Post Office, Mosque, Library, market, community hall, petrol kiosk and information center. A mixed development comprises of Bungalows, Semi-Detached, Super-Link House, Apartments and Townhouse to compliment and enhance the beauty of Putrajaya.

 

Kindly call / whatsapp for appointment:
016 2125909
Rosniza
PEA 1591
Rescom Realty

Call / Whatsapp Rosniza

CARA PENGIRAAN KELAYAKAN PINJAMAN BANK

Sebelum anda membeli rumah pastikan anda periksa dahulu kelayakan pinjamanan yang boleh anda mohon. Selain daripada minta nasihat pihak bank anda juga boleh membuat pengiraan sendiri supaya anda dapat merancang nilai rumah yang boleh anda beli dan memudahkan pinjaman anda lulus. Ini adalah langkah-langkah pengiraan pinjaman bank untuk anda:

1- Kira Pendapatan Bersih

2- Kira Had Maksima DSR (Debt Service Ratio)

3- Net Disposable Income (NDI)

4- Kira Kelayakan Komitmen Baru

5- Kira Harga Rumah Maksima

 

#1 KIRA PENDAPATAN BERSIH

  • PENDAPATAN (INCOME) – PENOLAKAN (DEDUCTION) = PENDAPATAN BERSIH (NET INCOME)

 

PENDAPATAN (INCOME)

  • Gaji Tetap
  • Elaun Tetap
  • Elaun tidak tetap*
  • Proxy Income

– Dividen ASB

– Dividen TH

– Sewaan*

– Komisen*

 

*Mungkin tidak diambil pada nilai 100%

[-] PENOLAKAN (DEDUCTION)

  • KWSP/EPF
  • PERKESO/SOCSO
  • Cukai/PCB
  • Zakat

[=] PENDAPATAN BERSIH (NET INCOME)

  • PENDAPATAN – PENOLAKAN = PENDAPATAN BERSIH

 

#2 KIRA HAD MAKSIMA DSR (DEBT SERVICE RATIO)

  • PENDAPATAN BERSIH (NET INCOME) x KADAR PERATUS DSR = HAD MAKSIMA DSR

 

PENDAPATAN – PENOLAKAN = PENDAPATAN BERSIH

 

[x] KADAR PERATUS DSR

  • 40% – 85%
  • Kadar peratusan DSR berbeza antara individu, bergantung kepada

– Bank

– Pendapatan Bersih

HAD MAKSIMA DSR

  • Had maksima DSR ini termasuk

– Komitmen sedia ada

– Komitmen baru

 

#3 NET DISPOSABLE INCOME (NDI)

  • NDI ialah amaun yang bank tetapkan perlu ada pada pemohon sebagai kos sara hidup. Kebanyakan bank ambil NDI pada julat RM 1,000 – RM 1,500, bergantung kepada bank, tempat tinggal dan lain-lain.
  • Kadar peratus DSR akan dipengaruhi oleh NDI, contohnya jika NDI ialah RM1,000:

Gaji Bersih RM 3,000

  • DSR 70% = RM 2,100 – Had maksima DSR asal
  • Baki 30% = RM 900 – tak lepas NDI RM 1,000
  • Adjusted DSR: RM 3000 – RM 1,000 = RM 2,000 – had maksima DSR baru 66.67%

 

#4 KIRA KELAYAKAN KOMITMEN BARU

  • HAD MAKSIMA DSR – KOMITMEN SEDIA ADA = KELAYAKAN KOMITMEN BARU

 

HAD MAKSIMA DSR

  • Had maksima DSR termasuk komitmen sedia dan komitmen baru
  • Perlu ambilkira tentang NDI seperti langkah 3

 

[-] KOMITMEN SEDIA ADA

  • Pembiayaan Peribadi (Personal Loan)
  • Pembiayaan ASB
  • Pembiayaan Kenderaan
  • Kad Kredit
  • Pembiayaan Koperasi
  • ANGKASA
  • Dan lain-lain

 

[=] KELAYAKAN KOMITMEN BARU

  • Kelayakan ansuran bulanan untuk pembiayaan perumahan yang baru

 

#5 KIRA HARGA RUMAH MAKSIMA

  • KELAYAKAN KOMITMEN BARU x PEMALAR (CONSTANT) = HARGA RUMAH MAKSIMA YANG LAYAK DIBIAYAI

 

KELAYAKAN KOMITMEN BARU

  • Kelayakan ansuran bulanan untuk pembiayaan perumahan yang baru

 

[x] PEMALAR

  • 200 dengan andaian berikut:

– Kadar efektif 4.5%

– Tempoh Pembiayaan 35 tahun

 

[=] HARGA RUMAH MAKSIMA YANG LAYAK DIBIAYAI

  • Bagi andaian kasar efektif 4.5% dan tempoh pembiayaan 35 tahun, bagi setiap kelayakan ansuran baru RM 500, harga rumah maksima yang layak ialah RM 100,000.
  • Ansuran RM 500

– Harga rumah RM 100,000

 

#CONTOH 1 (CUKUP NDI)

PENDAPATAN: GAJI (RM 3,000) + ELAUN TETAP (RM 1,000) = RM 4,000

[-] PENOLAKAN: KWSP (RM 240) + SOCSO (RM 20) + ZAKAT (RM 50) = [-] RM 310

#1 PENDAPATAN BERSIH = RM 3,690

 

#2 HAD MAKSIMA DSR

  • 40% x RM 3,690 = RM 1,476
  • 85% x RM 3,690 = RM 3,137

Andaian bank tersebut menggunakan kadar peratus DSR 60%

  • 60% x RM 3,690 = RM 2,214
  • Baki 40% = RM1,476

 

#3 NDI

  • RM 1,000 – CUKUP (rujuk baki 40% melebihi RM1, 000)

 

Komitmen Sedia Ada: Tiada

 

#4 KELAYAKAN KOMITMEN BARU

  • RM 2,214 – 0 = RM 2,214

 

#5 HARGA RUMAH MAKSIMA YANG LAYAK DIBIAYAI

  • RM 2,214 x 200 = RM 442,800

 

#CONTOH 2 (TAK CUKUP NDI)

PENDAPATAN: GAJI (RM 2,000) + ELAUN TETAP (RM 500) = RM 2,500

[-] PENOLAKAN: KWSP (RM 160) + SOCSO (RM 12) + ZAKAT (RM 10) = [-] RM 182

#1 PENDAPATAN BERSIH = RM 2,318

 

#2 HAD MAKSIMA DSR

Andaian bank tersebut menggunakan kadar peratus DSR 60%

  • 60% x RM 2,318 = RM 1,390
  • Baki 40% = RM927

 

#3 NDI

  • RM 1,000 – TAK CUKUP
  • ADJUSTED DSR: RM 2,318 – RM 1,000 = RM 1,318 (56.9% DSR)

 

KOMITMEN SEDIA ADA: Tiada

 

#4 KELAYAKAN KOMITMEN BARU

  • RM 1,318 – 0 = RM 1,318

 

#5 HARGA RUMAH MAKSIMA YANG LAYAK DIBIAYAI

  • RM 1,318 x 200 = RM 263,600 – Gaji RM 2,500