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Financial Education Convention 2018

Jun 21, 2018
Financial Education Convention 2018
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Seize the learning opportunities to achieve financial freedom through various business and
investment opportunities as well as to learn about current trends, develop funding strategies
and advance the cause of financial education at this special one-day Financial Education Convention.


房产经纪或协调商的5大坏习惯,其实正摧毁着他们的事业

Jun 19, 2018
房产经纪或协调商的5大坏习惯,其实正摧毁着他们的事业
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房产经纪或协调商的5大坏习惯,其实正摧毁着他们的事业

相信很多新手都会碰到以上类似情况,有想过究竟是什么原因导致结不成单,找不到客源吗?盘点这5大常见不良习惯,无形之中摧毁你的房产事业,你却懵然不知!
  1. 迟回复客户信息
作为房产经纪,迟回复客户信息是大忌,因为随时都会有新经纪取代你的位置。当客户急需专业建议时,却迟迟得不到回复,想必耐心也随着掉半了吧?这种情况出现的次数越多,代表客户越来越失望,最终交易自然而然泡汤。
  1. 来无影,去无踪
随时安排一场说走就走的旅行,确实是房产经纪的福利之一。话虽如此,心血来潮去旅行的决定,导致客户无法与你取得联系,甚至是找不到你的踪迹,便是引起交易取消的导火线。
  1. 过分主动或被动
太过于主动或被动,都会让客户对你产生反感。在见完客户后,不断打电话催促要求答复,是过分主动。同样地,若他们把物业交给你协助转售或出租,而你却迟迟未能完成,等于浪费客户的金钱和时间,那便是被动。
  1. 懒散态度 / 漫不经心
懒散的症状是有迹可循的,如约见客户经常迟到、缺少更新房产市场咨询及毫无关注房产趋势等。房产经纪不仅单靠谈判技巧,还需要满脑子房产知识,才称得上专业。
  1. 假希望
发现到很多新手为了哄客户开心,不顾后果地制造假希望,到最后却演变成争执。比如买家喜欢高级公寓但预算有限,或卖家想以高过市价的标准来转售物业,而你清楚知道这些都是不可能的任务,却继续给予假希望,让他们信以为真,到最后只会换来更大的失望。

人无完人,事无完美,其实不一定要与其他同行作比较。不过,通过找出个人“病因”— 坏习惯,对症下药,相信绝对能够帮助推升你的房产事业,更上一层楼!
 

How To Sell Your Home Fast.

Jun 18, 2018
How To Sell Your Home Fast.
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VERY often those who put up their house for sale wants to dispose off their property as fast as possible.
Good Harvest founder Lee Jingfa recently had a one-on-one chat with Michelle Chao, Gplex Realty Penang Senior Manager on How To Sell Your Home Fast.  
 
 
This is what we learnt from Michelle.
 
1) Can you offer us some tip for a speedy home sale, especially in a market-slowdown?
  "It is not easy to find a buyer especially for a residential property in the secondary market. It usually takes 3 months or even more. Some, especially those who are facing financial difficulties, will let go of their property any amount that is close to what they have requested for and this results in their property not being sold for a long, long time. Again, it also depends on the location and the condition of the house, some of which are poorly maintained.
 
2) Realistic price
   "Owner should not simply set a price for their house but should consult banks to get a valuation on their property. This is free of charge. They can even ask their appointed agents to do it for them."
 
3) Making the house looking good 
   "It is common sense for the seller to make their house as presentable as possible. I need not have to say much about the chances of getting a poorly maintained house full of clutter to be sold in a very short period.
 
  "Never mind about the location and the process of negotiating for the right price, a clean and nice-looking house will surely make things easy for the real estate agent to sell it for you..
 
  "Opening the doors to such a presentable house is already half the battle won in selling off the property!"

DOING THE RIGHT THING.

Jun 16, 2018
DOING THE RIGHT THING.
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DOING THE RIGHT THING.
 
I always believe it is important to do the right thing and doing things right.
 
Every athletic recognises the strength of the core. You may have developed a pair of strong legs and a symmetrical upper body. If your core is weak or under developed you cannot execute the movement effectively and efficiently required in your sports performance.
 
It is also the same in doing the right thing. It begins with our right core value and then doing it right.
 
In other word it is more important to know WHY are you doing it rather than WHAT are you doing.
The WHY will encourages you to wake up tomorrow morning with a sense of purpose and will propel you to complete the things to do list for the day.
 
Ask yourself. WHY are you doing it?

Do It Righ
t.

为什么现在的千禧一代不敢买房?

Jun 12, 2018
为什么现在的千禧一代不敢买房?
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为什么现在的千禧一代不敢买房?

买房与买车,你说那个容易?现在的年轻人,相信一踏出社会工作会考虑先买车,以方便工作。
买房与车之间,虽仅相差一个字,但责任却大不相同,门槛也相对不一样,如偿还期限不相同及
额外费用等。
 
为什么买车会比买房来得更轻松?相反,总觉得自己离买房这个目标还很遥远,其实事实并非如
此,只不过是心里盘算着的不外乎以下这几个原因。
 
1. 不想有负担
现在的80-90后,都不想扛起供房重任。他们更向往自由自在生活模式,不希望娱乐消遣被剥削。
 
2. 计划赶不上变化
担心万一被公司革职或自行辞职,便失去供贷能力,无法再继续偿还房贷。
 
3. 租比买更方便
他们认为租房比买房还要好,最重要是方便,可以直接入住。而购房过程比租房来得繁杂,且必须
准备首期款及未来支付房贷的利息,再加上装修、维修和管理费等,花费金额确实不少。
 
4. 买房不是唯一的理财计划
除了买房外,还有其他投资方法,如银行定期、理财项目、及高风险股票。
然而,根据我以往经验证明了一点,在这么多个投资项目之中,房地产依然是最稳健、极具投资
潜力的项目。
 
我的建议是买房并没有大家想象中的困难,只要努力工作,委托经验丰富的房产仲介,千禧一代成
功购房的机会还是很大的!

UEM Sunrise appoints Focused Facilities Management as property management services provider for flag

Mar 5, 2018
UEM Sunrise appoints Focused Facilities Management as property management services provider for flag
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MELBOURNE: UEM Sunrise (Australia) Sdn Bhd, through its two subsidiaries, UEM Sunrise (Aurora Melbourne Central Property Management) Pty Ltd and UEM Sunrise (Conservatory Melbourne Property Management) Pty Ltd, has recently appointed Focused Facilities Management Pty Ltd (“FFM”) via its subsidiary, ACM Property Management Pty Ltd (“ACM”) to provide property management services for UEM Sunrise's flagship projects - Aurora Melbourne Central and Conservatory in Melbourne, Australia. Held at UEM Sunrise Australia Corporate Office on Queen Street in Melbourne, the signing ceremony was carried out by UEM Sunrise’s Chief Operating Officer, Commercial, Raymond Cheah while FFM was represented by its Managing Director, Jeromias D’Costa. 
 
“Aurora Melbourne Central is a unique expression of Melbourne’s future – the most significant and tallest integrated mega tower in Melbourne, combining stunning residential apartments and lavish residents-only amenities with a destination serviced apartment, strata office suites and unique retail offerings, while Conservatory celebrates the perfect balance of city vibrancy and garden tranquillity – where the feeling is social, cultural and connected – the very best of urban living,” Raymond said, adding that “as a premier lifestyle developer, UEM Sunrise understands the importance of providing high quality property management services to ensure that our assets are maintained at the highest levels, with the aim of maximising return on investment. 
 
“Therefore, we implemented stringent, focused and highly detailed criteria as part of our selection process. We set out to select the right company based on a qualitative assessment of project quality, experience, knowledge and financial strength 2 to undertake the said services. I am confident that FFM is more than capable of building a mutually beneficial long-term partnership with us.” 
“For over 17 years now, FFM has been providing complete property management services to some of Melbourne’s premium residential and commercial developments and have a comprehensive understanding of the high standards required to not only meet but exceed expectations. Their reputation is unsurpassed for integrity and providing a high standard of service, a fact that is easily confirmed by FFM being awarded a number of Melbourne’s premier developments,” added Raymond.
 
Said Jeromias: “As one of Victoria’s industry leaders, we pride ourselves on the quality of services we provide our clients and are honoured to have been entrusted by UEM Sunrise to manage their landmark projects at Aurora Melbourne Central in the heart of the CBD as well as the magnificent Conservatory that enjoys breathtaking views over the UNESCO World Heritage Listed Carlton Gardens and Royal Exhibition Building.” 
    

6 Simple Steps To Get More Contacts.

Jan 24, 2018
6 Simple Steps To Get More Contacts.
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Look, nothing here is complicated, clever or difficult.  
You just have to do it consistently and I will guarantee you will be successful.
 
Yes
​,​
 this is my sales message for you.
 
You can do so step-by-step for yourself without having to pay for or anyone else.
 
 
Step 1 – B
​E VISIBLE
 (I am very particular about this)
 
You will only get enquiries from people that know you exist! 
​Well, you 
 may say that is very obvious, but how many times have you had the conversation with someone who said “if only we’d known you were here …”?
I encountered that many, many times myself.
​ Really.​
 
So
​ now​
, as a Real Estate Negotiator, are you visible to your target audience if they choose to go looking for property?
 
First thing first, make sure that your Facebook page and website looks great
​. 
Like they say, no website is better than a bad website. 
​Also, u
pdate your Facebook page regularly. 
 
Step 2 – 
​BE CREDIBLE
(This is important)
 
Make sure you look credible when your potential clients look at your public presence (website, Facebook). 
This is 
​important as I want you ​
to make them feel like getting in touch with you.
 
Have great testimonials on your website and Facebook page.  Nothing is more compelling than having others saying nice things about you. 
Seek testimonials from past clients. Word of mouth is important here.
One easy way to do it is write your testimony for them and ask them to put their name to it. 
Trust me, your past clients would be happy to oblige for all the good services you have rendered to them before. 
 
Step 3  – 
​BE MEMORABLE
 (No two ways about it)
 
Look, it doesn't matter how skilfull or wonderful your service is, if no one knows about you, they are not going to buy or sell their properties through you.  
 
Therefore, Step 3 is to make sure that your target audiences always think of you when they have a requirement.
 
Start with your target audiences
​. 
​You may want to ask me "
who are they?
​"
The answer is everyone that you get in touch with in your everyday life.​
You gotta be specific about thi
​s.​
It’s fine to have more than one target audience. 
Next identify the people in these audiences that are likely to make an enquiry.  
You can follow 
​M
​Way
which I find is more economical and effective method
​ - that i
s  to email them initially then follow up by phone 
with the ones that are interested.
 
 
Step 4 – B
​E PERSISTENT
(Follow this very strictly) 
 
You must send out all your emails every month.  
Bear in mind that your potential clients will only take action when they have a requirement, so you need to ensure that you are always in the front of their mind. 
Therefore you need to keep your emails short, light and chatty.
 
Make sure you do not offend those who don’t have a requirement right now.  
 
Step 5 – B
​E PERSONAL
(It is a requirement)
 
If I know my prospect's name, I will use their name in my communication with them – which is to make my emails as specific and personal as possible.
 
 
Remember: it’s about them not you!!
 
The more personal and relevant you make your communications, the more interest you will generate. Remember this important point - it is about them and not you.
 
 
Step 6  – B
​E CONSISTENT
(The most important of all)
 
 
The trick here is to set aside time each 
​day/​
week to make the calls and take the actions. 
 I do just that. So, my advise for you is Just Do it!

副财长:推出 “负责任融资指南” 确保首购族可还贷

Apr 26, 2017
副财长:推出 “负责任融资指南” 确保首购族可还贷
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副财长 :推出负责任融资指南”

财政部副部长拿督奥斯曼阿兹说,国家银行推出“负责任融资指南”给 借贷者特别是房屋首购族,确保他们在借贷期间有能力偿还贷款,减低 房屋因为拖欠贷款而被拍卖的风险。
 
他在询问有关国行收紧放贷政策,政府如何帮助人民特别是首购族购买 房屋时说,凡是符合这项指南的人士有机会获得贷款,也可申请可负担 房屋。
 
“符合资格的首购族可以向银行申请受政府承认的房屋贷款计划。”
 
他说,政府也推动多项政策协助首购族,当中包括别房屋头期补贴和增 建可负担房屋如房屋信贷担保计划 (SJKP) “My Deposit”房屋计划、一 个马来西亚房屋计划和MyBNhome等等。
 
他说,首购族也可向信贷谘询与债务管理机构(AKPK)谘询如何提升还 款能力和规划财务状况。

 

一马公务员房屋.增建至20万间

为了让更多公务员购买房屋,政府去年启动“一个马来西亚公务员房屋 计划(PPA1M)”,并定下2018年兴建10万间房屋的目标,如今政府宣布 加码,将目标增至20万间!
 
政府首席秘书丹斯里阿里韩沙出席由亿成集团开发的白玉安达曼住宅 区“一个马来西亚公务员房屋计划”录取信移交仪式时提到,截至2016 年11月为止,在该计划下,全国共有265个房屋项目,11万8441个单 位,其中7个项目531个单位已完成。


他说,目前仍有72个项目,2万5042单位正在建设中,186个项目共9万 2868单位还在策划阶段。
 
他指出,公务员对于房屋的需求很高,以白玉安达曼住宅区为例,该住 宅区目前出售的600个单位当中,有200个开放给公务员申请的。
 
“一共有879人申请,只有200人符合资格而申请成功。”
 
他说,成功申请的公务员可以低于市价40%的价格,购买面积1000平方公 尺的房屋,但是他们在10年内不得转售。
 

确保首购族可还贷

全球退休天堂10大排名 大马蝉联亚洲冠军宝座

Apr 25, 2017

全球退休天堂10大排名大马蝉联亚洲冠军宝座

美国“国际生活”杂志公布年度24个最适宜退休安养晚年国家,墨西哥挤
下巴拿马夺冠,马来西亚下滑1名至至第6,但仍凭借先进干净与人民亲切 的态度,蝉联亚洲冠军宝座。
 
国际生活根据10个评比项目来评选最适合退休国家,包括房地产价格,退 休特别福利,生活成本,综合项目,娱乐与设施,医疗保健,退休的基础 设施,气候,签证与住宿和保健生活。
 
根据国际生活评比,2017最适合退休生活国家,墨西哥以低廉生活成本, 便利,人民友善的态度及多元文化优势,以90.9分夺冠;去年冠军巴拿马 以90.8分别微差距落败,但仍被杂志赋予“现代舒适且高包容力的居住天 堂”美誉。
 
马来西亚则以87.0分名列第6。杂志表示,大马的保健生活获得97分,是 所有国家最高分,主要是提供亚洲提供最佳的医疗保健,包括大多数训练 有素的医生都毕业自英国及美国,能以良好的英语沟通中。
 
同时,大马是少数能让外国人购买永久地契产业的亚洲国家,生活成本低 廉,且位于东南亚地理中心,到其他国家旅游方便。且,大马多元种族间 的互相包容,促进大马成为一个多元文化,宗教的国家,加上这里能享 受世界级的顶尖街边小吃,餐厅及咖啡厅美食,及许多让人疯狂的购物中 心,让许多外国人从原本喜欢旅游变成移民到这里退休


全球退休天堂10大排名

1. 墨西哥
2. 巴拿马
3. 厄瓜多尔
4. 哥斯达黎加
5. 哥伦比亚
6. 马来西亚
7. 西班牙
8. 尼加拉瓜
9. 葡萄牙
10. 马耳他

SHEDA Property Expo - 14 - 16 July 2017

Apr 20, 2017
SHEDA Property Expo - 14 - 16 July 2017
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Good Harvest Media is proud to be the Official Media Partner of the coming 20th SHEDA PROPERTY EXPO Anniversary

Venue : Borneo Convention Centre Kuching (BCCK)

Date:  14 - 16 July 2017

UEM

Feb 13, 2017

Aset Kayamas

Jan 9, 2017
Aset Kayamas
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“虽然公司成立仅两年多, 但我们已经推展了12项产业
项目, 公司业务不断扩大, 员工数目也不断在增加中。”
兴建可负担房屋, 在於造福社会, 迎合政府“居者拥其
屋”的目标。在这方面, Aset Kayamas私人有限公司近
两年来推展了多项可负担房屋, 并以优良品质, 获得购屋
者好评。

蔡文怀:实现人人拥屋的梦想

Aset Kayamas执行董事蔡文怀受访时表示, 其父亲蔡景
康秉持居者拥其屋的营运目标, 兴建的可负担房屋, 必须
具备良好品质, 也要能够协助提高居住者的生活水平。
“这是父亲的社会责任感, 也就是以最低或最合宜的
价格, 让购屋者获得最高的产业价值, 同时有助於改善
居民的生活水平和居所地位。”除了兴建可负担房屋,
该公司也推展了多项价格具竞争性丶地点优越的的公
寓计划, 因而缔造了销售盛况, 且有全部单位在首天发
售日售罄的惊人记录。

成立逾两年已推展12项产业

业项目, 平均每3个月推售一项房产。该公司发售的可
负担房屋, 包括吉隆坡甘榜班旦的Residensi Pandan-
Mas 1以及PandanMas 2丶Residensi RazakMas丶Residensi
KepongMas。其他房产项目则有吉隆坡甲洞的
The Henge丶武吉加里尔的Parkhill Residence丶敦拉萨
镇的The Holmes, Dato Keramat的The Haute, 以及不久
前发售The Havre@Bukit Jalil。
蔡文怀指出, 该公司目前发展中的12个产业项目之
中, 有7个属於可负担房屋, 单位面积是800方尺及900
方尺, 售价分别是20万令吉以下以及30万令吉以下。
“购买上述可负担房屋的条件, 必须是首次购屋人士,
10年之内不可出售丶不可出租, 而且只限在吉隆坡居住
和工作者。”毕业於墨尔本的斯威本科技大学的蔡文
怀表示, 父亲的意愿, 便是兴建更多可负担房产, 帮助那
些没有房子的人拥有第一间房子, 尤其是刚读完书出来
社会工作, 刚结婚以及想拥有第一个家的人士, 实现拥
屋的梦想。“我因此秉持了父亲的社会责任感, 从旁协
助, 包括将来会做更多企业社会责任的工作。”

为可负担房屋设新标杆

“PandanMas 1 是我们发展的第一个可负担房产, 共有
700单位, 它距离吉隆坡KLCC大约3公里, 目前工程已进
行至70%,并举行了盖顶仪式,预计可提前完工及移
交锁匙给购屋者。”
“PandanMas 2位于PandanMas 1隔邻, 共有1920
单位, 另外还有300单位的廉价组屋, 目的在於安置印裔
为主的非法屋居民。”他说, 兴建可负担房产, 盈利不会
高, 在履行居者拥其屋的营运宗旨下, 强调薄利多销, 但
绝对不会偷工减料,牺牲品质。
“我们希望能够成为可负担房产发展商的领导者, 并
持续巩固品牌地位, 继续兴建价格具竞争力以及地点优
越的房产。”
“虽然公司成立仅两年多, 但我们已经推展了12项
产业项目, 公司业务不断扩大, 员工数目也不断在增加
中。”他披露, 公司在最近已开始推售可负担房产, 包
括Jalilmas (共1050单位)丶Wangsamas (435单位)丶
Desamas (232单位)。

 

国行:买可负担房 首购族可获房贷

Aug 17, 2016
国行:买可负担房首购族可获房贷
国家银行指出,首次购屋者还是可以获得房
屋贷款,有意购屋者想要购买可负担的房屋,
在借贷方面不成问题。
 
针对媒体报道要求国行检讨借贷指南一事,
国行发文告指出,国行制定的融资指南是为了确保
个人是根据本身的还款能力申请贷款。
文告指出,国行赋予银行责任,在评估借贷
者的支出和紧急情况备用款项,加上其收入,
评估还款能力。
 
“此举是为了保护个人,避免他们因为过度
借贷而陷入财务状况,最后因为无法偿还贷款,又
失去房屋。

有能力偿还贷款,才能借贷
文告指出,国行没有设下借贷限制,批准贷
款与否,是由各家银行根据风险和策略所作出的商
业决定。
“根据惯例,申请者必须符合借贷条件,有
能力偿还贷款,才能借贷。”
 
文告指出,房贷欠款持续以双位数增长,截
至今年5月杪已经占10.6%。“大约有75%的借贷者
(约有150万人)是首次购屋者。”
 
文告说,最需要解决的问题是购屋者的负担
能力,以及缺乏价格合理的房屋。
 
文告指出,借贷辅导与债务管理机构、大马
银行公会将会继续与各州相关单位接触,改善批准
可负担房屋的申请贷款程序,确保他们符合借贷资格。
 
“其中包括协助个人了解他们应该采取哪一
些步骤,以符合借贷的资格。”

信用纪录良好有助申贷
另一方面,大马银行公会指出,有意购买房
屋者如果拥有良好的信用纪录、有可以偿还每月房
贷的证明、正确及完整地提呈财务状况的资料、
前往各家金融机构查询,有助于申请房贷。
针对关于首购族难以获得房贷的报道,该
公会发文告说,有意购屋者应该向银行了解本身
可以借贷的款额,也可在寻找房屋之前先取得房
贷预先批准(pre-approved)。
 
“一般上,房贷每月供款,加上长期性的
财务负担如车贷不能超过贷款总收入的40%,可
以据此评估本身偿还房贷的能力。”
文告指出,首次购屋者也可以考虑申请“
我的首间房屋” 计划, 共有11家银行和11家
伊斯兰金融机构参与此计划, 详情可浏览
http://www.srp.com.my。
 
如果民众有任何关于房贷的疑问或
投诉,可以拨打热线1-300-88-9980或通过
http://www.abm.org.my发出电邮。


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