PINJAMAN PERUMAHAN SEKTOR AWAM.

Salah satu kemudahan yang disediakan oleh Kerajaan Persekutuan untuk memudahkan penjawat awam memiliki rumah sendiri. Antara tarikan utama pinjaman perumahan ini adalah:

1. Pemberian pinjaman (loan to value) 100% dari nilai hartanah (mengikut kelayakan).
2. Kadar keuntungan 4% (lebih murah dari pinjaman bank).

Walaubagaimanapun, saya dapati ramai dari kenalan saya yang tersilap langkah dan strategi ketika mengguna pakai kemudahan ini. Strategi yang saya maksudkan adalah strategi PELABUR dan bukan strategi untuk DUDUK SENDIRI. Antara kesilapan yang saya dapat perhatikan adalah;

1. Menggunakan 'joint loan' supaya dapat membeli rumah yang mahal dan besar tanpa mengira kemampuan pembayaran terlebih dahulu.

Contoh:
Suami & isteri masing - masing layak mendapat pinjaman sebanyak RM 200,000. Mereka membuat 'joint loan' dan membeli rumah yang berharga RM 400,000 untuk duduk sendiri. Bayaran bulanan hampir RM 2,000 sebulan.


2. Rumah pertama dibeli dengan menggunakan kemudahan Pinjaman Perumahan Sektor Awam.

3. Menambah segala kos renovasi rumah (yang berlebihan) sehingga capai tahap maksima pinjaman.

PERINGATAN: Saya hanya memberi pandangan saya dari sudut pelabur. Setiap individu mempunyai kehendak dan cara masing - masing.

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STRATEGY UNTUK PENJAWAT AWAM

Menurut garis panduan Bank Negara Malaysia setiap individu layak mendapat pinjaman 90% (dari harga rumah) sebanyak dua kali. Manakala rumah yang ketiga dan keatas, kelayakan pinjaman hanya 70%. Ini adalah rough guide sahaja. Pihak bank akan memberikan kata putus berapa banyak yang boleh dipinjamkan berdasarkan kemampuan individu dan credit rating individu tersebut.

Contoh:

Rumah pertama berharga RM 300,000.
Bank akan memberi pinjaman sebanyak RM 270,000 sahaja. Manakala lagi RM 30,000 perlu ditanggung pembeli.

Rumah kedua berharga RM 300,000.
Pembiayaan seperti rumah pertama.

Rumah ketiga berharga RM 300,000.
Bank hanya memberi pinjaman sebanyak RM 210,000. Pembeli perlu menyediakan RM 90,000 untuk membeli rumah tersebut.

Jadi, untuk suami isteri, anda boleh peroleh EMPAT buah rumah dengan KOS MINIMA. Kenapa EMPAT?

Suami layak mendapat DUA buah rumah dengan pinjaman 90% (hanya 10% deposit).
Isteri layak mendapat DUA buah rumah dengan pinjaman 90% juga.

JANGAN BUAT JOINT LOAN. Kerana quota untuk pinjaman 90% akan hanya tinggal TIGA.

Cadangan saya kepada suami isteri yang bekerja dalam sektor awam adalah untuk menggunakan EMPAT quota pinjaman perumahan pertama untuk membeli rumah kediaman INVESTMENT GRADE.

Investment Grade: rumah yang boleh disewakan dengan POSITIVE CASHFLOW dan ada CAPITAL APPRECIATION.

Rumah kelima dan keenam pula, boleh gunakan Pinjaman Perumahan Sektor Awam. Instead of mendapat pinjaman hanya 70% daripada nilai rumah, anda boleh beli rumah tersebut dengan pinjaman 100%. Tak perlu keluar duit dengan banyak (minimal money down).

Contoh:

Rumah pertama dan kedua atas nama suami: pinjaman 90%.
Rumah ketiga dan keempat atas nama isteri: pinjaman 90%.
Rumah kelima atas nama suami: pinjaman 100%.
Rumah keenam atas nama isteri: pinjaman 100%.

MINIMAL MONEY DOWN.

Ini hanyalah cadangan sahaja. Tak perlu kecam saya jika tak setuju.

Walaubagaimanapun, sebelum memulakan apa - apa pelaburan, pastikan personal finances terkawal. Cover up segala kebocoran kewangan. Lihat kembali ke mana duit pergi. Jika masih mindset untuk membeli kereta mahal dan bergaya sana sini, jangan mulakan lagi. Nasihat ini bukan untuk anda.



Beli ikut kemampuan sendiri. Jangan terikut - ikut nak beli rumah idaman banglo dengan swimming pool dan padang bola. Ukur baju di badan sendiri.

So you just got yourself a brand new Ponda Civil (bukan nama sebenar) for Raya. Then, at the end of the month you suddenly realize;

"Aaahhhh, duit habis! Takkan have to eat Maggi every day!"

The monthly installments took a heavy toll on your disposable income.

"Ini semua gomen punya pasal. Habis naik cost of living." you said to yourself. (This is sarcasm by the way.)

Well, if you happen to live in:
1. Klang Valley
2. Penang
3. Ipoh
4. Johor Bharu
5. Kota Kinabalu

...you can monetize your car by registering as an Uber Partner. 

Uber

Unless you are a frog under a coconut shell (katak bawah tempurung), you should have heard of Uber somewhere. It is an app based service which allows you to hitch a ride with a registered Uber partner. Its actually like taking a taxi, minus the:
1. Non compliance to the meter
2. Negotiation of the fare before you board the taxi (only to get the answer "Saya tak pergi situ" or an exorbitant amount).
3. Less than desirable vehicle condition.
4. Sudden 'top up' fare upon reaching the destination ("Kalau nak saya hantar sampai dalam kena tambah RM 10").

When you register as an Uber Partner, you are forming a joint venture with Uber. They provide the app which users (riders) will use to hail your service, while you just provide the vehicle and manpower to get the riders to their destination. Uber gets 20% of the fare, while you keep the remaining 80%.

For example:
A trip from A to B cost RM 10. 
The rider is charged RM 10.
Uber gets RM 2 as commission.
Uber partner gets RM 8.

Fact: Uber DOES NOT own any vehicle despite it being a multi million dollar company.

"This fella talk only. Where got doctor doing Uber!" I hear some people say.


Well, I'm a partner for Uber Ipoh. I've been doing it for 3 months now. However, I've only being doing it part time. When I say part time, it's REALLY PART TIME. I usually do it around two to three days a week for around  one to two hours per day. Due to my overpowering malas-ness and need to workout once a while, I only make around RM 40 to RM 60 a week. Not much I suppose, but that is still RM 160 to RM 240 a month!

Here's how I do it, bodobodo je:
1. Turn on the app on the way back from work.
2. Before reaching home, I would make one round either at Ipoh Oldtown, Ipoh City or Canning Garden area.
3. I'll just drive drive slowly trough these areas, stopping by for Tau Fu Far or chendol.
4. On a good day, I can get 5 trips in 2 hours. Otherwise 3 is the average number of trips.
5. My average trip is around RM 5. The most I got for a single trip is RM 13 (Gunung Rapat to Terminal Aman Jaya).
6. Even if you don't get any trips, Uber will pay you hourly guaranteed rates as an incentive to get you online at core areas. However, as compared to Uber peers in KL, Uber Ipoh only gives RM 5 to RM 7 (depending on the peak hours).

How do Uber charge the riders (in Ipoh)?
The base fare is RM 1 
RM 0.50 per kilomter
RM 0.25 per minute

Example:
A journey from A to B is 5 km and takes 5 minutes.
RM 1 + RM 2.50 + RM 1.25 = RM 4.75

*rates may be change according to Uber's policies.

How does Uber pay the partner?
1. For cash payments (by riders), the partner is entitled to keep all of it. Uber's commission will be deducted from the next credit card payment.
2. For credit card payments & other incentives, Uber will bank in directly to the partner's bank account every week. Usually on Wednesdays.

This is my experience with Uber Ipoh. I can assure you, Uber Partners in Kuala Lumpur and Penang CAN earn more as there is more demand for such services and their guaranteed hourly rates range from RM 15 to RM 30 . In Ipoh things are just heating up. Demand is rising by the week.



I had a chat with a few Uber Partners from KL when I was using their services. Their average trips per day (after office hours) can reach up to 20 trips. And they can earn up to RM 400 per day. Just by doing part time.

However, do note that Uber is NOT YET regulated under Suruhanjaya Perkhidmatan Awam Darat (SPAD). Thus, you may have the risk of being on the wrongs side of the law.

I actually have lots more experiences to share but I'll save it for another day. I'll write more on it if there are this post gets some decent likes and shares :)