Wednesday, 1 February 2017

购屋指南第一步

在我国,通常购买产业的惯例都是通过产业经纪。其实,卖家及买家直接交易并委托律师处理文件即可。当你决定购买心仪的产业,那么首先需要签署由房地产经纪公司所拟定及准备的买卖同意书Offer to Purchase, 我们俗话所称的 Booking Form. 这个通常是一般二手产业买卖才会需要的程序。 若直接向发展商购买,发展商会有自己公司的文件让买家签署。 未来的专栏,我们会探讨向发展商购买产业的流程。

一般来说,在买卖同意文件上,产业经纪会把你们所同意的相关资料一一列出并在他见证之下让你签名同意。一般上买家要要特别注意的是所购买的产业地址,产业售价,该售价是否包含家具及配备(furniture & fitting) , 若牵涉产业大部分的家具,则建议直接拟定所包含的家具清单Inventory List 并又买卖双方签署同意。 若买家担心贷款是否会被拒绝, 那么需要特别强调该买卖是否限制于一个贷款数额方能进行。

一般来说,买卖合约期限都是3+1, 如无任何障碍, 基本上普通的买卖产业程序是可以在该期限内完成。 但是这部包括一些特殊案件, 如需要土地局批准的产业买卖,或地契还没割名到卖家名下而需要考虑到发展商是否愿意直接把该产业割给买家,或者其中一个卖家已经去世需要申请法庭庭令来完成,这些种种特殊情况会直接影响产业买卖的期限。 因此,买家有权利向经纪了解过后再考虑是否要购买。 尤其那些买家预算购买产业用来结婚用的, 那就要好好留意。 不然就会像热锅上的蚂蚁,赔了夫人又折兵。凡在还没同意购买并下定金之前,买家需要再三确认,并要求产业经纪把买家所提出的条件列出来。
当以上都确认后, 买家需要缴付3%的定金于产业经纪公司。 定金因产业或者因卖家跟产业经纪之间所同意的而异。一般上买卖同意书上所讲述的在14天或者21天再或者14个工作天内需要签署买卖合约(期限因地产经纪公司而异)。 这些期限必须在卖方都已经把相关贷款所需要的文件交给买方好让他处理贷款事宜,并在买卖双方律师都没有怠慢的情况下方有效。 若买家是通过地产经纪公司申请贷款,建议自己也保留一份卖家的买卖合约及地契副本以作参考以及作为不时之需。

买卖产业除了需要筹备足够的首期,还需要考量其它“隐蔽费用” 。我们会在下一期再探讨。



Thursday, 19 January 2017

Legal Fees on Sale and Purchase Agreement and Loan Agreement 买卖合约及贷款合约律师费计算法



Legal Fees Calculator 

LEGAL FEES CALCULATIONS-based on solicitors' remuneration order 2006
The scale fees are as follow and applied to Sale and Purchase Agreement / Memorandum of Transfer and Loan Agreement :
Consideration / adjudicated value (market value) Scale of Fees
For the first RM150,000 1.0% (subject to a minimum fee of RM300)
For the next RM850,000 0.7%
For the next RM2,000,000 0.6%
For the next RM2,000,000 0.5%
For the next RM2,500,000 0.4%
Where the consideration or adjudicated value is in excess of RM 7,500,000 Negotiable on the excess (but shall not exceed 0.4% of such excess)
For example:
 
If the property price is RM550,000, the calculation is:
First RM150,000 @ 1% RM1,500
Next RM400,000 @ 0.7% RM2,800
Total Legal Fee RM4,300

If the property price is RM12 million, the rate above RM7.5 million is negotiable between the law firm and the client. If say the negotiated rate is 0.3% the calculation is:
First RM150,000 @ 1% RM1,500
Next RM850,000 @ 0.7% RM5,950
Next RM2,000,000 @ 0.6% RM12,000
Next RM2,000,000 @ 0.5% RM10,000
Next RM2,500,000 @ 0.4% RM10,000
Next RM4,5000,000 @ 0.3% (negotiated rate) RM13,500
Total Legal Fee RM52,950

*the scale fee above applied to Principal Fees only. Example for a Sale and Purchase Agreement, the said fees is only for SPA, if the law firm acting for Purchaser, they have to fill up and submit CKHT 2A for Purchaser; if the law firm acting for Vendor, they have to submit CKHT 1A and/or CKHT 3, prepare discharge of charge and consent to transfer whichever is applicable. Other cost such as disbursements and reimbursements charges is varies for case to case basis.

For Loan Agreement, please note that this scale fee is applied to Principal Agreement only, there is subsidiaries documents such as Deed of Assignment, Power of Attorney, Letter of Guarantee, Deed of Assignment of Rental Proceeds and etc which is subject to 10% on Principal Legal Fees, minimum fee of RM300 and maximum of RM1000.




Legal Fees Calculator

Property Taxation - Real Property Gains Tax (RPGT)