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Wednesday, December 22, 2010

小屋换大屋。。。

近来大头的弟弟开始寻找屋子,打算明年买屋子,大头陆陆续续也和他一起看了几间屋子,但屋子的状况都很不理想,所以就不买,而弟弟也继续寻找,大头也帮他留意报章,网上的广告。


上个星期六,大头的表姐打了一个电话给大头,由于大头之前在McD等买家的时候,表姐刚好也来McD用餐,看见大头就过来问,知道大头有卖手提电脑后,表姐也托大头寻找一架给她,所以那天打来问找到了吗,大头就说还没有,然后表姐就说她的屋子要卖,问大头有没有兴趣。


表姐的家,大头去过,装修得很漂亮,而且表姐开了一个价,说这个价钱包完家里全部的家私,电器,到时候她搬也只是他的衣物罢了,说真的,这个价钱还真的吸引大头。


大头就通知弟弟,但表姐开的价钱已经超过了弟弟的预算,突然大头就想,不如目前大头住的这一间,割名给弟弟,然后不需要他还大头什么,只要他继续偿还贷款就好了,这一间房子的每月installment,弟弟可以负担,而且到时候又有女朋友一起分担,而大头就买下表姐的房子,然后和女友一起供,由于两个人供的关系,大头每个月的installment amount依然没有变,所以还是可以应付,加上女友也喜欢及同意一起供,这么一来不就一举两得了吗?


心中的盘算大头并没有告诉弟弟及表姐,因为大头还是需要考虑这样做是否正确,结果发现大头也犯了想要小屋换大屋的毛病!但这样的做法,一来弟弟有房子,而大头也有房子,一举两得啊,还是大头利用弟弟?但是弟弟的预算很低,而且工钱也不是很高,虽然明年享有100% full loan,变相Installment就变高,以弟弟的工钱来看,会非常辛苦。


这些是理由还是借口呢??

9 comments:

Giap Seng said...

Just do a survey, where is the new house located? Butterworth, BM, Nibong Tebal, or Penang island?

How big is the house?

I would think it is a bit too risky stretching to the max. If something unforeseen happen, it may left you with no choice.

Ooi said...

Ah Boon,

The answer is both. Hahaha...

Depend on what your brother think lo.

有目标的大头 said...

Giap Seng,

location at BM, actually for self stay after purchase.

double storey house, sqf not clear.

I still in dilemma, if I din buy another unit and move in, and give my current unit to my bro, then it very hard for him to purchase the house even have 100% full loan...

Jian,

Eat Snake ar..still consider la, cz fully renovated and furnish, with the price that offer by my cousin, quite attractive, but the house at High School there...

Ooi said...

Taman Bukit lo?
Good Ma. Won't banjir. hahaha...

Count your brother money carefully then. Coz will pay 100%.

有目标的大头 said...

forget what taman, but got bukit this word la...

why count my bro money since I buy the unit??

Ooi said...

U will let ur bro pay the current house ma. Not new house la.

有目标的大头 said...

Jian,

yup, but may be I not going to buy my cousin house, I move to smaller condo/apartment, ho ho ho...

Lawrencce said...

The question is who is the official owner of current house when your brother start to pay the installment?

Better do official transfer. Your brother will have his own family and you will hv your own too.

May the ownership of the asset clear to each of you.

有目标的大头 said...

Hi Lawrencce,

Yup, in this case I'll request my lawyer to transfer the property to my brother name, but now I give up my cousin property due to the location...