关于买二手屋子疑问

Kyusuke_FD3S

大家好，

想请问，除了给10% downpayment,
屋价是RM230k
其它的费用全部加起来是大概需要多少钱？

MVPNG

回复 1# Kyusuke_FD3S


1）买卖合同 （S&P）的费用是以屋价来算的：

屋价 = RM 230,000

a) Legal Fee：
First RM 150,000 = 1.0% (minimum fees of RM 300)
Next RM 850,000 = 0.7%
Next RM 2,000,000 = 0.6%
Next RM 2,000,000 = 0.5%
Next RM 2,500,000 = 0.4%
Excess RM 7,500,000 = Negotiable (not exceeding 0.4%)

Example:
RM 150,000 = 1.0% x RM 150,000 = RM 1,500
RM 80,000 = 0.7% x RM 80,000 = RM 560
Legal Fee = RM 2,060

b) Stamp Duty:
First RM 100,000 is at 1% of the value
Next RM 400,000 is at 2% of the value

Example:
RM 100,000 = 1.0% x RM 100,000 = RM 1,000
RM 130,000 = 2.0% x RM 130,000 = RM 2,600
Stamp Duty = RM 3,600

c) Disbursement fees: Land search + Q.A Search + Affirmation and etc
~= RM 200 - RM 400

d) Others: Miscellaneous + Transportation
~= RM 150 - RM 250

2）贷款合同 （Loan Agreement）的费用是以贷款数额来算的：

贷款 = RM 200,000

a) Legal Fee：
First RM 150,000 = 1.0% (minimum fees of RM 300)
Next RM 850,000 = 0.7%
Next RM 2,000,000 = 0.6%
Next RM 2,000,000 = 0.5%
Next RM 2,500,000 = 0.4%
Excess RM 7,500,000 = Negotiable (not exceeding 0.4%)

Example:
RM 150,000 = 1.0% x RM 150,000 = RM 1,500
RM 50,000 = 0.7% x RM 50,000 = RM 350
Legal Fee = RM 1,850

b) Stamping of Original Loan Agreement
= RM 1,000 (RM 200,000 x 0.5%)

c) Disbursement fees: Title search + Bankruptcy search + Affirmation and etc
~= RM 300 – RM 500

d) Others: Miscellaneous + Transportation
~= RM 150 – RM 300


总共大概是RM 9000++

Kyusuke_FD3S

回复 2# MVPNG

谢谢你的答案。

想问大家，EPF 拿钱来买屋子，是可以拿全部account II 的钱出来？ 还是只能拿一部分account II 的钱而已？