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大家好, 小弟想把现在的公寓卖掉, 再买一间排屋... 本身根据几个不同的价钱做了一点计算... 不懂对不对, 或者漏掉了些东西... 希望各位有经验的大大指点小弟... 谢谢!
双层排屋,坐落在吧生谷, 永久地契...
如果把公寓卖掉(大概可以卖RM190k~RM230k):
1) 6%的Government Tax on Agent Fee又谁付?
2) 还有什么费用吗?
| DISPOSAL OF EXISTING APARTMENT | | | | | | | | | | | | | Selling Price | 190,000 | 200,000 | 210,000 | 220,000 | 230,000 | | Acquisition Price | 148,000 | 148,000 | 148,000 | 148,000 | 148,000 | | Gross gain | 42,000 | 52,000 | 62,000 | 72,000 | 82,000 | | Individual Exemption (An amount of RM10,000 or 10% of the chargeable gain (whichever is greater) | 10,000 | 10,000 | 10,000 | 10,000 | 10,000 | | Chargeable Gain | 32,000 | 42,000 | 52,000 | 62,000 | 72,000 | | | | | | | | If sell 4~5 years, 5% Real Property Gain Tax | 1,600 | 2,100 | 2,600 | 3,100 | 3,600 | | If sell 1~3 years, 10% Real Property Gain Tax | 3,200 | 4,200 | 5,200 | 6,200 | 7,200 | | | | | | | | | | | | | | Agent Fee, 3% of Selling Price | 5,700 | 6,000 | 6,300 | 6,600 | 6,900 | | Agent Fee, 2% of Selling Price | 3,800 | 4,000 | 4,200 | 4,400 | 4,600 | | | | | | | | | | | | | | Net Gain, sell 1~3 years, 3% agent (RM) | 33,100 | 41,800 | 50,500 | 59,200 | 67,900 | | Net Gain, sell 1~3 years, 2% agent (RM) | 35,000 | 43,800 | 52,600 | 61,400 | 70,200 | | | | | | | | Net Gain, sell 4~5 years, 3% agent (RM) | 34,700 | 43,900 | 53,100 | 62,300 | 71,500 | | Net Gain, sell 4~5 years, 2% agent (RM) | 36,600 | 45,900 | 55,200 | 64,500 | 73,800 | | | | | | | | | | | | | | 6% government tax on agent fee? | | | | | | | loan lock in period? | | | | | | | legal fee? | | | | | | | other expenses? | | | | | |
如果买排屋, 大概需要准备多少现金 (三个选择: RM550k, RM580k, RM650k):
1) Stamp Duty Onwership Transfer需要给吗? 如果需要, 可以像Loan Agreement那样借款吗?
2) Valuation Fee大概应该准备多少钱?
3) MRTA有办法不用买吗? 听说可以用保险来cover... 这是怎样算的?
| DEPOSITS TO PREPARE | | | | | | | | | | | House price | 550,000 | 580,000 | 650,000 | | | Down payment (10%) | 55,000 | 58,000 | 65,000 | | | Mortgage Amount | 495,000 | 522,000 | 585,000 | | | | | | | | Lawyer fee for Sales and Purchase Agreement: | | | | | | ~ First RM150k (1%) | 1,500 | 1,500 | 1,500 | | | ~ Subsqeuent up to RM1mil (0.7%) | 2,800 | 3,010 | 3,500 | | | 4,300 | 4,510 | 5,000 | | | 6% of total S&P legal fee | 258 | 271 | 300 | | | 4,558 | 4,781 | 5,300 | | | | | | | | Stamp Duty for S&P | | | | | | ~ First RM100k (1%) | 1,000 | 1,000 | 1,000 | | | ~ Subsequent up to RM500k = 2% | 8,000 | 8,000 | 8,000 | | | ~ Subsequently onwards = 3% | 1,500 | 2,400 | 4,500 | | | 10,500 | 11,400 | 13,500 | | | | | | | | Lawyer fee of loan agreement (loan in) | | | | | | ~ First RM150k (1%) | 1,500 | 1,500 | 1,500 | | | ~ Subsequent up to RM1 million = 0.7% | 2,415 | 2,604 | 3,045 | based on mortgage amount | | 3,915 | 4,104 | 4,545 | | | 6% of total loan agreement legal fee | 235 | 246 | 273 | | | 4,150 | 4,350 | 4,818 | | | | | | | | Stamp Duty for loan agreement (flat 0.5%) | 2,475 | 2,610 | 2,925 | based on mortgage amount | | | | | | | TOTAL | 76,683 | 81,141 | 91,543 | | | | | | | | Miscellanous Fee (loan in) | 0 | 0 | 0 | | | | | | | | Land/Strate Ownership Title Transfer | few hundereds + 6% government tax | | | Stamp duty for Land/Strata Ownership Title Transfer? | | | | | | MRTA? | | | | | | Deposits (water, electricity) | | | | | | Valuation fee? | | | | |
本帖最后由 venomkiller 于 23-9-2012 10:33 PM 编辑
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发表于 23-9-2012 09:30 PM
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