Alex Ting

Progressive Interest 建筑利息

🏗️【什么是 Progressive Interest？】
买新房（Under Construction）一定要懂！
当银行分阶段放款给发展商时，
你只需要为已发放的金额付利息，
这就是 👉 Progressive Interest（建筑期利息）
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📌 计算方式（简单版）
已释放金额 × 利率 × 天数 ÷ 365
例子👇
RM50,000 × 4% × 30 ÷ 365
= RM164 / 月（利息）
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📈 重点：利息会慢慢增加！
✔ 工程越做越多
✔ 银行放款越来越多
➡️ 你付的利息也会跟着增加
━━━━━━━━━━━━━━━━━━━━━━━━━━━━
⏱️ 什么时候结束？
当房子完成 + 银行全额放款后
➡️ 才开始正式供房（Full Installment）
━━━━━━━━━━━━━━━━━━━━━━━━━━━━
💡 省钱小Tips
✔ 选择发展快的项目
✔ 工期越短 → 利息越少
✔ 选信誉好的发展商（避免拖延）
━━━━━━━━━━━━━━━━━━━━━━━━━━━━
📲 买新房前一定要了解！
不然很容易低估前期成本！

我是Alex 你的房产顾问😃
018-873 3175

🏠 自住房 vs 投资房（到底先买哪一个？）

✅ 自住房（自住）
适合： 想稳定、家庭需求优先
核心目标： 生活品质

优点：
- 住得舒服、地点可依自己喜好
- 不怕租客问题
- 长期稳定，心里踏实

缺点：
- 回酬不一定最好
- 地点通常为了“方便”，而不是“高租金/高升值”
- 未来想升级，需准备第二套房贷款能力

💰 投资房（出租/升值）
适合： 想增加被动收入、提升资产
核心目标： 回酬 + 升值

优点：
- 可产生租金收入
- 买在热门地段，升值潜力更高
- 未来可做资产 leverage
- 若运气好，租客“帮你供楼”

缺点：
- 商业地契/投资型单位贷款比较难批
- 需要处理租客、空置期、维修
- 地点通常以“回酬”为优先，而不是生活便利

我是Alex 您的房产顾问😃
018-873 3175

🏠 买房 vs 租房：哪个更划算？

🔍 1. 从“钱”的角度看
✅ 买房划算（长期）
- 每月供款 = 帮自己存钱 + 强制储蓄
- 房价通常长期会上涨 → 资产增值
- 提前买房可以锁定价格，减少未来涨价带来的压力
- 有机会出租或二手卖出套现

❌ 买房的挑战
- 前期要准备头期 + 法律费 + 杂费
- 每月供款压力比租金高
- 地点要选好（否则几年都没有涨幅）

🔍 2. 从“灵活性”角度
租房更灵活:
- 随时搬家
- 雇主调动、城市规划变化
→ 不会被绑住
- 没有维修、管理费负担

租房的缺点:
- 租金每年可能上涨
- 住了 10 年什么都没有留下
- 房东不续租 → 被迫搬家

🔍 3. 从“财务规划”角度
适合买房的人：
- 有稳定收入
- afford 头期 + 每月供款
- 想建立长期资产
- 提前规划家庭或投资

适合租房的人：
- 工作性质常变动
- 暂时不想背长期贷款
- 想留现金流做生意 / 投资
- 还在探索住哪里最适合自己

📌 总结一句话
👉 短期看，租房比较轻松；长期看，买房更划算。
如果你准备在同一个城市长期生活（> 5 年），买房一般比租房更有价值。

想了解更多可以联系我
我是Alex 您的房产顾问😃

018-873 3175

🏡单位面积：807-1410 sqft
🏠Queenswoodz Residence tus : Bukit Jalil, Kuala Lumpur
🔰适合自住＆投资项目总结：
✅ Bukit Jalil 黄金地段高端定位 优雅设计主题
✅步行可达 LRT，交通便利
✅多种户型选择（807-1410 sqft，含 Dual Key）✅半装修赠品多
✅走路可以到pavillion，懒惰的可以做free
shuttle 去 pavillion 和 Irt

有兴趣的可以pm😃
https://wa.me/message/AAK4L5DGJIVMG1
018-873 3175

Renovated Semi-D Double Storey House Taman Puncak Utama Kajang

Property Details:
>Semi-D, Double Storey House
> Freehold Open
> land Size: ~ 40 x 80 (3,326 sqft)
> Build Up: ~2,660 sqft
> 4 Bedrooms 4 Bathrooms
> Fully renovated with land
> Extended Wet Kitchen
> Extra Porch Living Area

Amenities:
> 5 min Eaton International School
> Restaurant, Mini Market, Shop Lot
> 5 min to Jade Hill Residential and Clubhouse
> 15 min to Kajang Town
> 15 min to MRT/LRT/KTM station
> 20 minutes to University Putra Malaysia (UPM)

Great accessibility
> PLUS Highway
> LEKAS Highway
> Silk Highway
> Bukit Angkat entrance (near to Jade Hill).
> 15 Minutes to Putra Jaya

Great Security
> 24 Hour Guarded Security

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Asking Price: RM850,000
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Please contact for viewing:-
Alex Ting
REN 73588
Call/SMS/Whatapps: 018-873 3175
https://wa.me/message/AAK4L5DGJIVMG1

PV 9 Residence Setapak for Sales
Walking Distance to Taman Melati LRT

2 carparks
1100 sqft
3+1 bedroom
2 bathroom

Lights and fans
Aircond all room
Water heater both bathroom
L shape sofa
Study table and chair
Console table
All curtains
Fridge

Kitchen cabinets
Shoe cabinet
Wardrobe

For more information pls whatsapp
Alex 018-873 3175
https://wa.me/message/AAK4L5DGJIVMG1

2 Storey Terrace Taman Sri Rampai Setapak Kuala Lumpur

ASKING PRICE : RM620,000
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- 𝐀𝐌𝐏𝐋𝐄 𝐏𝐀𝐑𝐊𝐈𝐍𝐆 𝐒𝐏𝐀𝐂𝐄 ‼️
- 𝐍𝐄𝐖𝐋𝐘 𝐑𝐄𝐅𝐔𝐑𝐁𝐈𝐒𝐇𝐄𝐃 ‼️

PROPERTY DETAILS :
- FREEHOLD
- Non bumi lot
- Land Size : 880 Sqft @ 16x55
- Built Up : 1200 Sqft (approx)
- 3 Bedrooms & 2 Bathrooms
- Not facing house
- Move in condition
- East direction ( Morning sun )
- Newly Painted

AMENITIES :
⁃ Walking Distance to Padang [Big basketball garden]
⁃ Walking Distance to Pasar Malam [Thursday]
⁃ SK Taman Seri Rampai
⁃ LRT Sri Rampai Station
⁃ AEON Wangsa Maju Alpha Angle
⁃ AEON Big Wangsa Maju

ACCESSIBILITIES:
⁃ MRR2 Highway
⁃ DUKE Highway
⁃ AKLEH Highway
⁃ Jalan Genting Klang

Alex Ting
The Roof Realty
REN73588
018-8733175
https://wa.me/message/AAK4L5DGJIVMG1

Mutiara Sentul Condominium Kuala Lumpur [Refurbished Cantik + MURAH🔥]

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Asking Price : RM360,000 Negotiable
==============================
Property Details:
- Type: Condominium
- Status: Freehold | Open
- Level 19 from 11
- Built up size : 1339 sqft
- 3 Bedrooms | 2 Bathrooms
- 1 car park parking
- Maintenance fee: RM210
• Renovated:
- Kitchen Cabinet
- Table Top
- plaster ceiling

Facilities:
- 24h security guard
- Swimming Pool
- Playgrounds
- parking with access card

Amenities:
- KTM Kampung Batu
- Future MRT Kampung Batu (in progress)
- KTM Batu Kentomen
- Masjid Saidina Hamzah
- SK/SMK Batu Muda

Acessibility:
- MRR2 Highway
- DUKE Highway
- PLUS Highway

===============================
Asking Price : RM360,000 Negotiable
===============================

For more info / viewing session,
please Sms/Whatsapp/Call
Alex Ting | REN 73588
📞 +60188733175 (Call/Sms/Whatsapp)
📲 https://wa.me/message/AAK4L5DGJIVMG1

End Lot Fairfield Residence,Tropicana Heights Kajang

===========================
Asking Price: RM890,000 (Nego)
Contact: 018-8733175 (Alex Ting)
===========================

PROPERTY DETAILS:
* Freehold
* Individual tittle
* Land area: 2,228 sqft (30 X 74)
* Build Up: 2,425 sqft
* Bedrooms: 4
* Bathrooms: 3
* Gated and guarded
* Security fee: RM150/month

FACILITIES:
* Surau Al-Ikhwan
* Playground
* 24 hours security
=======================================
For more information and viewing appointment;
Kindly contact:
Alex Ting
018-8733175
https://wa.me/message/AAK4L5DGJIVMG1

Real Estate Negotiator
REN73588 (Alex)
The Roof Realty Sdn Bhd

Irama Wangsa Condo @ Wangsa Maju, KL

======================
Asking Price : Rm595,000
======================

PROPERTY DETAILS :
- FREEHOLD
- BU : 991 sqft approx.
- ⁠Level 15
- 3 Bilik | 2 Bilik air
- 1 Carpark
- Maint. Rm362
- Renovated
- Tenanted

FACILITIES :
- Gym
- Swimming Pool
- Playground
- Badminton court
- Private Hillpark
- BBQ Area

AMENITIES :
- SK Wangsa Maju
- LRT Sri Rampai
- Setapak Central
- Columbia Setapak Hospital
- Wangsawalk/Aeon Big Mall

For appointment and viewing:
Alex Ting - 018-873 3175
REN73588
The Roof Realty

https://wa.me/message/AAK4L5DGJIVMG1

[Corner Lot] 3-Storey Anjung Melati Bungalow, Gombak Selangor

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Asking Price : Rm2.3m Nego
======================

PROPERTY DETAILS :
- FREEHOLD | Malay Reserved
- Land Area: 6533 Sqft
- Built Up: 4500 Sqft approx.
- 8+1 Bilik | 9 Bilik air
- Sec Fee Rm285
- 24 Hr Security
- Corner lot
- Furnishing: 3 Air-Conditioner, Fully Grille, Sofa Set, Dining Table, Kitchen Cabinet

AMENITIES :
- LRT Gombak
- ECRL Gombak (Soon)
- M3 Mall
- KL East Mall
- Terminal Bersepadu Gombak (TBG)

For appointment and viewing:
Alex Ting - 018-873 3175
REN73588
The Roof Realty Sdn Bhd
https://wa.me/message/AAK4L5DGJIVMG1