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Friday, April 30, 2010

借款人與金融機構的權利與責任

在貸款期間,借款人與金融機構擁有一定的權利與責任。其中一些重要的事項包括:

貸款人員可以為您提供協助,並針對你所不確定的事項給予闡述。請花費一些時間與貸款人員討論您有關房屋貸款的問題,以便選擇最適合您的要求的貸款便利。

Rights And Duties Of The Borrower And Financial Institution

Both borrower and financial institution have certain rights and duties during the course of the loan. Some of the more important ones include:

A Loan Officer can provide invaluable assistance, and clarify issues which you are unsure. Take the time to discuss your housing loan questions with a loan officer at length so that you can choose a loan facility that best suits your needs.

[星洲互動‧20/05/2007]

貸款發放

當金融機構收到其律師的通知,表示法律程序己經完成,而貸款文件亦已準備好的時候,它將會發放(支付)貸款。在這個時候,您將會被通知您必須支付首次分期付款的日期與數額。

Loan Disbursement

The financial institution disburses (pays out) the loan once it has received advice from its lawyer that the legal process has been completed and the loan documents are in order. At this time you will be informed of the date and amount of the first instalment you have to make.

[星洲互動‧20/05/2007]

Thursday, April 29, 2010

零售價上調衝擊不大‧啤酒業盈利展望正面

(吉隆坡)隨經濟逐步回暖,國內啤酒價格在5月初平均上調約3%,分析員認為此舉不足以阻擋市場消費,對啤酒業者的盈利衝擊是正面的,進而調漲主要啤酒業者2010至2012財政年財測達1至3%。

預計啤酒零售價將調漲40至50仙,品脫小瓶裝(325ml玻璃瓶裝)調漲40仙,夸脫大瓶裝(660ml玻璃瓶裝)調高50仙。

聯昌研究認為,消費者可以良好吸納溫和的啤酒調幅,尤其在經濟轉佳之際,價格調漲對整體啤酒業的衝擊不過於擔憂,並保持2010年的啤酒業成長達4%。

“啤酒業者的誘因是誘人的6-9%周息率,且成長前景回溫。”

國內啤酒在5月初上調,反映啤酒業者不是因高稅務因素而展開第3次的價格調漲。

前兩次調漲是在2009年4月(調高約3%)及2008年4月,以抵銷原料價格高漲及強勢美元造成的生產成本走漲。

啤酒原料節節高漲

這一次調漲啤酒的因由,是啤酒原料的節節高漲,尤其是麥芽,而大麥、啤酒花及鋁一直徘徊在高企水平,至2008年杪急漲70-150%,使2009年的賺幅面對萎縮。

大馬研究對啤酒價格上調感到中和,對消費力道不會帶來太大衝擊,在6月世界杯和10月共和聯邦運動會將舉行之際,預計將提振啤酒消費量。

倘若今年的國內稅保持每以升7令吉40仙,該行預計啤酒業市場在2010財政年增長2%。

達證券粗略估計,啤酒價格調升3%,使啤酒業者2010財政年凈利上調890萬令吉至1億 1890萬令吉。

“今年的啤酒業增長2%,價格調整對需求下調風險有限,因消費者對國內稅調高的敏感度超過微幅的價格調漲。”

該行認為,2011年的啤酒業成長將放緩,主要因欠缺大型的項目及國內稅或調漲。

皇帽健力士財測調升

在啤酒價格調升下,聯昌調升皇帽釀酒廠(CARLSBG,2836,主板消費品組)及健力士英格(GAB,3255,主板消費品組)2010至2012年財測達1-3%;目標價也分別調升35仙及15仙。

達證券估計,啤酒價格調升3%,皇帽2011財政年凈利上揚8%及健力士可增長1700萬令吉或10%。

興業預計,啤酒售價每調高1%,盈利將上揚0.8%,調升皇帽2010財政年財測達 2%,2011至2012財政年則上調2.5-2.8%。

該行看好皇帽,因其2010財政年盈利按年激揚68%,主要來自新加坡的收購、積極行銷策略恢復市佔率、及承諾未來5年派發50-70%的凈利,相等於每年平均凈周息率為5-5.5%。

[星洲日報/財經‧2010.04.28]

保險

當您購買房屋,考慮簽訂保險保障是非常重要的。最重要的原因是:它能讓您和您的至愛後枕無憂,萬一不幸的事件發生,
這將是一種財務上的保障。

有兩項保險保障是您應該考慮的:

1. 業主保險/火險

在自然災害的情況下,例如水災、火災、暴亂、襲擊以及嚴重的破壞等,這類保險給予您的房產保障。至於擁有分層地契的房產,例如公寓或共管公寓,您則無需購買有關的保險,因為產業管理機構將會為整棟樓房購買保險。您必須確保向產業管理機構索取由保險公司發出之總保單的附屬證書,並將之交給您的金融機構。這是必須的,以確保金融機構知道有關的房產己經獲得投保,而無需再為您的房產購買另一宗火險保單。在這類情況下,您將會被要求把您在保險下的權利,轉移給金融機構。
2. 抵押人壽保險或抵押遞減定期保險

當借款人不幸完全殘障或是死亡,這類保險將清還有關房屋貸款的尚欠餘額給金融機構。保費一般上已經納入貸款額之內,而保費的還款期一般上也是分布至整個貸款期限。有關的保費僅徵收一次,並非以月計或年計。萬一提早完全繳清房屋貸款,您一般上可選擇要求退還未到期日的保費餘額,或繼續有關的保險保障。

金融機構擁有本身的顧問保險公司,大部份的這類保險公司均可替您安排有關保險,而保費則記入您的貸款戶口之中。

Insurance

It is extremely important to take insurance coverage when you purchase a house. The most important factor is that it gives you and your loved ones peace of mind, in the form of financial security if an unfortunate event should occur.

There are two important insurances to consider:

1. The House Owner/Fire Insurance policy

This policy provides coverage for your property against natural disasters such as flood, fire, riot, strike and malicious damage. For properties with strata titles such as apartments or condominiums, you need not buy the insurance because the Management Corporation (MC) would have taken up insurance on the entire building. You should ensure that you obtain the sub-certificate of the Master Policy issued by the insurance company from the MC and present it to the financial institution. This is necessary so that the financial institution is aware that the property has been insured and will not buy another fire insurance on your property. In such a case, you will be required to assign your rights under the policy to the financial institution.
2. The Mortgage Life Assurance or MRTA

This type of policy provides for full settlement of the outstanding balance of the housing loan with the financial institution, in the event of total permanent disability or death of the borrower. Premiums can usually be included in the loan amount, and the repayment period of the premium is usually spread over the loan tenure. The premium is only incurred once. There are no monthly or yearly premiums to be paid. In the event of early termination of housing loan, you will generally have the option to request for a refund of the premium for the balance of the unexpired period or to continue the insurance coverage.
Financial institutions have their own panel of insurers and most of them can arrange insurance on your behalf with the annual premium charged to your loan account.

[星洲互動‧20/05/2007]

Wednesday, April 28, 2010

估價報告

如果您是向現有屋主購買己經建竣的房產,那麼則需要這類文件。金融機構將從它的顧問估價師名單中,委任一位產業估價師,對有關的產業進行估價。估價費由數百令吉起,視產業的價值而定,您也將被徵收這項服務的費用。

Valuation Report

This documentation may be required if you purchase a fully completed property from a houseowner. The financial institution will appoint a property valuer from its panel of valuers to appraise the property. The valuation fee for this service starts from a few hundred ringgit upwards, depending on the value of the property and you will be charged for this service.

[星洲互動‧20/05/2007]

Tuesday, April 27, 2010

文件

申請房屋貸款的主要文件是貸款合約。


貸款合約是買方與金融機構之間簽署的合約。貸款合約裡包括了主要的條款,包括貸款期限,貸款本金額,利率,違約利率,罰款收費以及還款條件。它也列明萬一發生違約事件,借款人與貸方的責任,以及雙方的權利與補救方法。


您需要簽署的其他一般法律文件,包括轉讓契約,抵押文件以及授權書。


請記得,在整個貸款期限裡,您的產業將抵押給金融機構(即是說,該金融機構對您的產業有素償權)。無論您購買的是已建竣的產業或正在建竣中的產業,您應該就合約內的主要條款以及每一項條款所牽連的事項,要求您的律師給予解說。


Documentation


The primary documentation involved in applying for a housing loan is the loan agreement.


A Loan Agreement is a contract signed between the buyer and the financial institution. A Loan Agreement contains major provisions such as the terms of the loan, principal sum of the loan, interest rates, default interest rate, penalty charges and repayment terms. It also sets out the duties of borrower and the lender and in the event of default, the rights and remedies of each party.


The other common legal documents that you may need to sign are Deed of Assignments, Charge documents and Power of Attorney.


Remember that throughout the tenure of the loan, your property is charged to the financial institution (i.e. the financial institution has a claim over your property). Whether you are buying a completed property or a property under construction, you should obtain an explanation from the attending lawyer on the major clauses of the agreement and the implications of each clause.


[星洲互動‧20/05/2007]

Monday, April 26, 2010

提早結束貸款合約的罰款

金融機構可對提前完全繳還的貸款實施罰款。一般上,實施的罰款可以是統一的利息或‘X’個月份的利息(例如1個月的利息)。這是因為當金融機構根據一段期間給予貸款,它預期該貸款在同意的期間內償還,同時它根據此基礎策劃金融機構本身的現金流量。提早結束貸款合約,將阻擾金融機構的現金流量規劃。因此,若給予足夠的通知時間(如在貸款條款與條件中注明),或是在金融機構批准需要維持貸款的最低期限之後才償還所有款項,一些金融機構則不會對此徵收罰款。

Early Termination Penalty

Financial institutions may impose a penalty on full repayment of loan. Generally, the penalty imposed can either be a flat rate or an 'x' number of months' of interest (e.g. 1 month's interest). This is because when a loan is granted for a certain term, the financial institution would expect the loan to be repaid over the period agreed and has planned their cash flow on this basis. An early termination of the loan would therefore disrupt the financial institution's cash flow planning. As such, some financial institutions do not charge a penalty if sufficient notice is given (as stated in the terms and conditions of the loan) or if the settlement is made after the required minimum period to maintain the loan with the financial institution has passed.

[星洲互動‧20/05/2007]

Sunday, April 25, 2010

軟件2年寫不出 高教金1%未落實

(吉隆坡24日訊)國家高等教育基金局(PTPTN)貸學金的行政費由2008年6月1日起從3%降至1%,但政策宣佈2 年「毫無動靜」,原來該局在委託電腦承包商時「遇人不淑」,無法如期推出「資料轉換系統軟體」在電腦上自動執行。


同時,全國各族的140萬名PTPTN貸款者,除了1萬名在2008年6月1日後申請貸學金的學生外,139萬名貸款者目前每個月仍被徵收著3%的行政費。


該局主席拿督沙魯奧斯曼接受《東方日報》專訪時表示,該局董事會非常關注此事,他們於2008年6月,和某軟件設計公司簽署合約,以設計一個系統將學生需付的行政費自動轉換成1%,來計算他們該付的餘額。


5月不完成不續約


PTPTN與該公司的合約於本月1日結束,惟至今仍未取得軟體,沙魯奧斯曼對此大感不滿。


「我們將在29日(週四)的董事會議上追問該公司,倘若他們無法在5月完成該軟體,我們不會再續約,可能找別家公司來完成,希望在5月能取得此軟體。」


PTPTN於1997年成立至今13年,約140萬名學生受惠申獲貸學金,貸學金雖沒征抽利息,但以「行政費」名義加諸在貸學金上,這筆原是4%的行政費後來降至3%,2年前時再降至1%。


至於該些至今已畢業但未開始償還、正在償還或已全數償還(但於2008年6月1日仍有餘數卻未償還者)的申請者,也會獲得1%行政費優惠。


然而,由於軟體未完成,所以至今這些在2008年6月1日前申請貸學金者,根據現有系統仍需支付3%行政費予PTPTN。


該基金局將在取得軟件後,將轉換140萬名申請者的資料。對於該些已畢業但未開始償還及正在償還的申請者,PTPTN將由2008年6月1日起追算、退還多徵收的行政費。


至於該些至今已全數償還貸學金,但於2008年6月1日還拖欠的原有借貸者,新系統同樣將計算申請者所多付的行政費,再退還給他們。


借貸者須簽新合約


所有欲享有1%的借貸者,將接獲一封出自PTPTN的新合約,簽署後回寄給該基金局後才生效。


問及這是否將對借貸者製造麻煩,沙魯奧斯曼表示,這是唯一法律正途,不簽署這份新合約,將不享有1%行政費優惠。


值得一提的是,借貸者在借款多年後有些已更換地址,如1萬名在2008年6月1日後才申請的學生,有些因地址更換了沒有收到該合約,將導致錯過接受此優惠的機會。


PTPTN規定在該局寄出新合約1個月後,申請者若沒有回寄合約,該局將視借貸者拒絕1%行政費的優惠。倘若申請者事後欲上訴獲得優惠,則必須多付 100令吉的「加工費」。


此個1%行政費政策施行於大部分的貸學金申請者,惟那些毀約或已接獲「支付逾期款信件」(Letter of Demand)者將無法享有,必須支付3%行政費。


雖然沒統計,但沙魯透露,有相當多的借貸者沒有回函,以致他們無法享有1%的低息優惠。


另外,沙魯奧斯曼澄清,該些之前就可享PTPTN貸學金的獨中生,除了有統考文憑外也考取大馬教育文憑,才成功申請貸學金,現在基金局董事會計劃獨中生持統考文憑也能申請貸學金。


转载:[东方日报]

大头的话:

1.为什么对電腦承包商的背景没能调查清楚?
2.为什么没有对外公布,而导致我们这些依期偿还贷款者,时不时需要在论坛中或致电询问最新进展?两年后才向外公布,这样对我们公平吗?
3.为什么软件都没有完成就可以对外公布降低貸學金的行政費的日期?

问了一些问题,虽然不知是否为笨问题,但如今大头很气,从金马仑回来已经非常疲累,但看到这则新闻,就算累也要放上来分享,不知其他还着PTPTN的朋友们有什么看法呢?会和大头一样气吗?

Friday, April 23, 2010

凈利倍增超預期‧合成實業財測上調

(吉隆坡)合成實業(CIHLDG,2828,主板消費品組)第3季淨利倍增至約1090 萬令吉,超越預期,促使股價一度創下接近8年的最高水平,聯昌研究也因此上調2010至2011財政年每股淨利預測約25%,同時上調2011與2012 財政年股息預測至11與12仙。

儘管無新產品,在旗下“純果樂”(Tropicana)與“立頓茶”主導盈利成長下,這間公司截至2010年3月21日止財政年,第3季淨利自前期522萬5000令吉大揚107.8%至1085萬8000令吉,促使全年淨利自前期1367萬 7000令吉暴升96%至2680萬4000令吉。

股價創8年新高

股價受業績鼓舞,盤中一度起17仙至2令吉29仙,為自2002年5月20日以來最高水平,儘管收市前漲幅收窄,最終仍收在2令吉25仙,起13仙。

目前,“純果樂”與“立頓茶”依然各是果汁與茶市場的領航者,市佔率各佔35與30%。然而,純果樂的果汁銷量已超越管理層預測,促使公司需提早拓展萬宜廠房,自5年期限縮短至兩年。這間公司現也投入4500萬令吉充作非碳水化合物飲料的新產品線,料在9月完成。

合成實業約92%營業額來自飲品業務,其餘為衛生與衛浴業務。目前非碳水化合物與碳水化合物飲料各佔40與60%,預計在增添額外產能下,非碳水化合物與碳水化合物飲料將在兩年內各佔50%。

聯昌上調2010、2011與2012財政年每股盈利預測各25、24.5與24.9%,同時上修2011與2012財政年股息預測自10仙增至11與12仙,但維持2010財政年股息預測10仙。

聯昌維持“買進”評級,上調目標價至3令吉28仙。

重估催化劑包括第3季表現強勁、市場產品線增加、額外產能、週息率維持在4至6%。

[星洲日報/財經‧2010.04.22]

預先付款的伸縮性便利

各別的金融機構,在預先付款的事項上,亦實施不同的條款與條件。請查看您的貸款配套,看是否允許您擁有預先付款或支付額外款項的伸縮性便利。擁有伸縮性預先付款以及支付按日計算的利息,可能可以節省相當的利息費用。您也可在房屋動工期間就開始還款,這也可協助您節省更多利息。
最重要的是:準時繳付每月還款。

Prepayment Flexibility

Different financial institutions may have different terms and conditions imposed on prepayments. Check the loan package to see if it allows you the flexibility to make prepayments or extra payments. Flexibility to make prepayments and paying interest on a daily rest basis, may help save considerable interest charges. It is also possible to start repayment of the loan during the construction of the house, thus saving more interest charges. What is important is to make prompt monthly repayments.

[星洲互動‧20/05/2007]

Thursday, April 22, 2010

預先償還部份尚欠的貸款

許多借款人認為,使用額外儲蓄以及常年花紅,預先償還部份尚欠的貸款以縮短貸款期的方式非常有用。預先償還部份尚欠的貸款可以是任何數額。無論如何,一些金融機構可對預先償還的數額實施限制,而其他金融機構則可能實施罰款。如果您是在最初幾年預先償還部份款項,對減少利息收費絕對是有效的方案。

Partial Prepayment Of The Outstanding Loan

Many borrowers find it useful to shorten the loan tenure by making partial prepayments with surplus savings or annual bonus. Partial prepayments can be in any amount. However, some financial institutions may impose restrictions on the amount to be pre-paid while others may impose a penalty. It is extremely effective in reducing the interest charges you would have to pay if prepayments are made during the early years.

[星洲互動‧20/05/2007]

漸進式付款計劃

漸進式的付款計劃在貸款初期允許較低的分期付款,但是則將在過後逐漸增加。這一類的付款計劃協助減低購屋者在首幾年的貸款負擔,並讓他們可分配更多金錢給其他用途。過了一段期間,當購屋者的收入增加,其還款能力也提高的時候,則可以在後期繳付更高的分期付款。漸進式付款計劃亦適合欲購買較昂貴房屋的購屋者,但這受到購屋者在最初數年之還款能力的限制。

Graduated Payment Scheme

A graduated payment scheme allows lower installments payments at the beginning of the loan but this will gradually increase over time. This type of payment scheme will help house buyers to reduce burden of loan repayment for the first few years and allow them to allocate more money for other purposes. Over time, as earnings of house buyers increase, their repayment capabilities will also increase thus allowing higher repayment installments at a later stage.

A graduated payment scheme is also suitable for a house buyer who wishes to purchase a more expensive house but is restricted by his/her repayment capability during the initial years.

[星洲互動‧20/05/2007]

Wednesday, April 21, 2010

日計利息及月計利息的比較

一旦金融機構為您提供貸款產品之後,金融機構將根據日計或月計的方式向您徵收利息。在日計的個案中,貸款利息是以日計算,而在按月的個案中,貸款利息是根據上一個月份結餘按月計算。在這兩類貸款中,每一次繳付貸款分期付款,本金數額將會隨之減少。

Daily Rests Vs Monthly Rests

Financial institutions may charge you interest either on daily rests or monthly rests depending upon the products offered. In the case of daily rests, the loan interest is calculated on a daily basis, while in the case of monthly rests, interest is calculated once a month based on the previous month's balance. Under both types of loan, the principal sum immediately reduces every time a loan instalment is made.

[星洲互動‧20/05/2007]

金融機構提供的一般房屋貸款配套

定期貸款

* 這是一項預先確定每月固定分期付款的便利。有關的分期付款在一段期間,例如30年之內,為固定的數額
* 分期付款包括了貸款額加利息

透支便利

* 這是根據預先確定的限額所給予的信貸便利
* 無固定的每月分期付款,因為利息是根據每日尚欠的餘額計算
* 可在任何時候伸縮性地償還貸款,並且可自由再使用這筆款項
* 所徵收的利息一般上比定期貸款為高

結合定期貸款與透支便利

* 這是結合定期貸款與透支的貸款便利。舉例說,70%為定期貸款以及30%為透支
* 定期貸款的部份可根據固定的貸款分期付款償還
* 透支的部份則可根據伸縮性方式償還款項

Common Housing Loan Packages Offered By Financial Institutions
Term Loan

* A facility with regular predetermined monthly instalments. Instalment is fixed for period of time, say 30 years
* Instalment payment consists of the loan amount plus the interest

Overdraft facility

* A facility with credit line granted based on predetermined limit
* No fixed monthly instalments as the interest is calculated based on daily outstanding balance
* Allows flexibility to repay the loan anytime and freedom to re-use the money
* Interest charged is generally higher than the term loan

Term Loan and Overdraft combined

* A facility that combines Term Loan and Overdraft. For example, 70% as term loan and 30% as Overdraft
* Regular loan instalment on the term loan portion is required
* Flexibility on the repayment of overdraft portion

[星洲互動‧20/05/2007]

Tuesday, April 20, 2010

貸款特點

每一家金融機構提供各別的房屋貸款配套。您應當詳細檢查貸款配套的特點,而不是僅僅根據任何單一的特點就作出決定。利率僅是其中一項考量,其他的特點包括具伸縮性的還款條件是否能夠平衡階價或甚至轉換為節省更多的貸款。金融機構一般上提供的房屋貸款配套形式,包括定期貸款、透支、或結合定期貸款與透支的配套。

Loan Features

Each financial institution packages its housing loans differently. You should examine all the features of a loan package and not just base your decision on any single feature. Pricing is just one consideration; other features like flexible repayment terms could balance the scale or even translate into greater loan savings. Financial institutions generally offer housing loan packages either in the form of a term loan, overdraft, or a combination of a term loan and overdraft.

[星洲互動‧20/05/2007]

貸款期限

貸款期限可從任何時候直至30年,或直至借款人65歲為止(或由金融機構決定的其他任何年齡),視何者為先。

Loan Tenure

The length of a loan can range anytime up to 30 years or until the borrower reaches age 65 (or any other age as determined by the financial institution), whichever is earlier.


[星洲互動‧20/05/2007]

融資額

一家金融機構提供的融資額,將根據市值(已建竣產業而已)或者是房屋的購價而定,視何者為低。融資額可高達房屋價值的95%。這將根據以下的要素作出評估,例如:

* 產業種類
* 產業地點
* 借款人年齡
* 借款人收入

Margin Of Financing

The amount of financing provided by a financial institution depends on the market value (for completed properties only) or purchase price of the house, whichever is lower. The margin of financing could go as high as 95% of the value of the house.
It is assessed on factors such as:

* Type of property
* Location of property
* Age of the borrower
* Income of the borrower

[星洲互動‧20/05/2007]

Monday, April 19, 2010

16本好書帶你邁向財富之路

財富人人愛,但偏偏總是愛不到,變有錢真的這麼難嗎?從有錢人的故事可以歸納出一個共通點:閱讀、不斷閱讀。他們從書中找到有錢的秘密,難怪古人說:書中自有黃金屋。現在,就跟著我們一起在書堆中練財富功吧!




理財知識類
享受財富自由 先認識金融市場真相


01 散戶流浪記
初階  作者:John Rothchild
    出版:早安財經
這本書是一趟在金融市場「旅遊」的紀錄。作者打著「一個門外漢的理財學習之旅」的旗幟,帶著1萬6500美元進行一趟金融市場之旅,也就是真刀實槍的進場投資。本書在提醒「江湖險惡」,因此想要闖蕩者得先練好功夫才上路。


02 起步晚 照樣致富
初階  作者:大衛.巴哈
    出版:先覺
一般人在理財上的困境是,儲蓄太少、負債太多,但這樣就永遠無法致富嗎?本書提供起步晚的人仍然有機會致富的方法,例如利用「雙份拿鐵因子」來儲蓄,甚至從小額開始透過房地產致富,只要有確實可行的計畫,小錢也有驚人的力量。


03 富足人生
初階  作者:Joe Dominguez、Vicki Robin
    出版:新自然主義
你要的人生是什麼?你工作只是為了錢?你是否為了財富而犧牲家庭?很多家庭及個人都被金錢追著跑,想擺脫困境,得從「財務獨立」模式來思考。本書提供9個行動步驟,讓你不必等到傳統退休年齡,就能提早達到財務自由境界。

Sunday, April 18, 2010

How do I moderate comments on my blog?

The ability to moderate comments as they are added to your blog can be very handy if you want to catch any comment spam before it reaches your page or if you'd like control over the kind of messages people can leave on your blog. You can find the comment moderation setting on the Settings | Comments tab, along with all of the other comment settings:

Selecting "Always" will automatically enable comment moderation for all incoming comments on your blog. You may also choose to moderate only older comments by specifying a number of days in the "Only on posts older than" setting. Selecting "Never" will disable comment moderation for this blog.

Enabling comment moderation then drops down an email form. This lets you moderate comments via email without affecting your regular comment notification setting. It is optional, since you can always moderate comments through the Blogger interface.

So enable comment moderation from one of the first two options, enter a notification address if desired, save the settings, and wait for your next comment. All incoming comments will now go to a special "Moderate Comments" page, which you can find under the Posting | Moderate comments tab:

On this page, you will see a list of all the comments that have been created but have not yet been approved or rejected. (This list excludes any comments made by admin members of the blog.) By default, they will be sorted by the time they were created, but you can also group them by their respective posts, by clicking the "Post Name" sort option at the top.

Each line in the list displays the beginning of the comment, the author's name, and the time it was created. Clicking the triangle to the left will expand the row to show the full text of the comment, along with "Publish" and "Reject" links, which you can use to approve or disapprove the comment. You can also select multiple comments and publish or reject them all at once, by using the check boxes on the left hand side and the buttons at the top or bottom of the list.

This entire process can also be done via email. If you entered an email address for moderation, you will get a message for each comment which will contain "Publish" and "Reject" links, as well as a link to the main moderation page for the blog. For example:

The links provided will prompt you to log in to your Blogger account, if you aren't already logged in. They will only work for new comments, and will not let you change the state of a comment that has already been moderated.

Notes:

  • Comments that have already been published or rejected are removed from the moderation list. Rejected comments are deleted and cannot be recovered. Approved comments can be deleted in the usual way if you decide you no longer want them.
  • Only blog administrators will be able to moderate comments. Team members without admin privileges will not have access.
转载:[Google]

大头的话:
由于近来有些非常无聊的人,在大头的帖子里评论了一些垃圾与无谓的评语,所以大头非常生气,决定启动了这个功能以便杜绝这类垃圾的出现,对于朋友们的评语,大头在此谢过也说声抱歉如有带来不便。。。

Saturday, April 17, 2010

快速装满吧。。。


话说某一天大头在公司里盛食水,突然发现这和投资很相识。

流水就好比回酬,水罐里的水就好比手头上/已投进的资金,盛满就好比财务自由。

如果不想花那么多时间在等待水罐里的水装满,一就是过滤水的流水量变大,二就是水罐里的剩水处于高的位置。

朋友们,想要早日实现财务,我们就要尽我们的全力寻找每年高回酬率的公司,而且也要不断的把投资的资金逐步增加买入好的资产。

对于打工族来说,资金只有单一来源,那就是薪金,但无奈的是,多数的打工仔背负的债务太多了,薪金一到手后,就全拿来偿还债务,那么何来投资资金呢?所以大头一直以来都强调,薪金一到手,第一笔就非付给自己不可,一开始就算是5%也是一个好的开始,even少过3%,只要付给自己先,那么那笔钱就是你真正拥有的,继续的付给自己,那么第一笔资金自然就会出现了。

千万别说“不可能”,“做不到”,自己对自己有信心的话,那么就有可能了,第一步是要你自己本身踏出去,那么你才会有第二步,不然的话,就好比老鼠赛跑没什么两样地原地踏步了。共勉之。。。

大眾銀行唱豐收 續獲券商推荐

(吉隆坡16日訊)大眾銀行(PBBANK,1295,主要板金融)首季業績看俏,符合大部分券商預期,紛紛給予“買入”(Buy)投資建議,部分券商更上調目標價格。

僑豐投資研究報告指出,依目前大眾銀行的22%股票回酬(ROE)來看,該行要在3年實現30%的股票回酬目標,是個相對保守的數字。

英特太平洋證券研究報告指出,首季的房屋、汽車以及中小型企業貸款批准率增加,帶動首季貸款批准率按年增加11.5%,成為該行來季的貸款增長動力。

ECM 證券研究認為,隨著隔夜官方利率(OPR)上調,加上未來3季貸款料持續增加,大眾銀行將持續交出佳績。

肯納格證券研報告指出,財報準則 139(FRS 139)施行后,將釋放出額外的2億6600萬令吉資金,這筆額外的資金將足以支撐公司達到15至16%的貸款增長。

報告指出,大眾銀行目前的核心資本比例為9.6%,已超越8%的舒適水平。

不過,有部份券商如聯昌證券研究、大馬研究及艾芬證券研究則認為,大眾銀行首季業績低于預期。

聯昌證券研究報告說,大眾銀行淨利息賺幅(NIM)達2.11%,低于預期的2.24%,因而將公司2010至 2011財年的每股盈利(EPS)預期減少至4至6%。

艾芬證券研究指出,大眾銀行今年的派息率減少3.1%至54.8%,預計每股股息(DPS)為60仙。

大眾銀行今日閉市時報12.02令吉,跌2仙,成交量達236萬7700股。

转载:[中国报]

Friday, April 16, 2010

注入各大酒店品牌‧楊忠禮酒店產託今年上市

(吉隆坡)楊忠禮機構(YTL,4677,主板建筑組)計劃把各大酒店品牌注入成立新的酒店產業投資信託,並會儘快於今年內尋求上市。


此集團首席執行員丹斯里楊肅斌說,其全球酒店與產託目前正重組及歸納進酒店產託的過程中,並會儘快在今年內上市。


他預期,基於旗下酒店長遠願景是打造成類似時尚品牌路易威登集團(LVMH Group)的酒店名牌,因此料將獲得良好回酬。


大馬當局已經批准昇喜產業信托(STAREIT,5109,主板產業投資信託組)脫售樂天與升喜產業予新加坡的昇喜全球產託(Starhill GlobalREIT),接下來全馬所有酒店、度假村產業將注入此集團酒店產託中。

Thursday, April 15, 2010

按年增長16% 大眾銀行首季淨賺6.85億

(吉隆坡15日訊)2010 財年好的開始,大眾銀行(PBBANK,1295,主要板金融)首季淨利按年增長16%至6.85億令吉。

截至今年3月底,大眾銀行營業額則按年上揚3.17%,從去年同期24.31億令吉,上揚至25.08億令吉;稅前盈利則較去年同期增長約24%至9.23億令吉。

大眾銀行主席丹斯里鄭鴻標在文告中指出,首季盈利表現上看,主要歸功于強勁淨利息和融資收入成長、非利息收入提高、貸款減值虧損減低等因素。

該行首季淨利息和融資收入按年上揚14.5%或1.6億令吉,有望在國行調高隔夜官方利率,釋放正面效應后進一步改善。

每股盈利則由去年同期每股 17.44仙增至19.7仙,成長約25%;成本與收入的比例維持在35.7%。

存款1756億

文告中指出,隨著今年首季國內銀行貸款取得4.4%強勁增長,該行亦在謹慎貸款政策管理下,成功取得3.5%的貸款和預支成長,零售領域為主要動力。

顧客存款方面,則由去年同期增2.8%至1756億令吉,並在本地顧客存款方面取得3.8%成長。

截至本財年首季,該行總資產增至2190億令吉,並且維持資產素質,總貸款減值虧損維持在低于1%水平。

另外,海外業務在收益和資產素質方面表現獲提升,稅前盈利增長53%,減值虧損亦降低41%。

未來該集團將繼續擴大單位信託、保險等收費型收入,加強獲利和回酬。

目前,該行核心資本比重(CCR)和風險加權比重(RWCR)分別維持在9.6%和13.7%。。

“隨著經濟回彈,消費意願和中小型企業營運將進一步改善,提升國內需求,刺激大眾銀行增長,維持良好業務表現。”



转载:[中国报]

Wednesday, April 14, 2010

九族文化村。。。

进入九族文化村,游客可以乘搭里头的游览巴士或缆车去游玩,这里总共有九个原住民的村庄,每个原住民的文化与建筑都一一的呈现在大头们的眼前,真的大开眼界啊,分享一下照片,其实大头每分享台湾一些地方都尽量不讲那么清楚,因为这对即将到此旅游的朋友们会失去惊喜,惊喜还是自己毫无准备下感受,那么印象才会深刻,不是吗?
逗留了5个小时后,由于需要赶回台北,我们带着不舍的心情离开了。。。

Tuesday, April 13, 2010

Software介绍(7) - Fences

Fences - Your tool for a clean desktop


What is Fences?
Fences™ is a program that helps you organize your desktop, and can hide your icons when they're not in use. A "Fence", a term coined by this program, is an icon group on your desktop. Fences is an add-on to your desktop, not a replacement.


Basic Features
Rope off your desktop
Fences allows you to create shaded areas on your desktop that you can place icons in. You can label them however you wish, and move/resize them anywhere on the desktop. Pre-included layouts help speed the process for new users.


See your wallpaper again! Quickly hide & show all your icons with an easy double-click
Double click blank space on your desktop, and all your icons will fade out. Double click again, and they’ll return. We think this feature is so useful and unique, that we’ve applied for a patent on it. You can even pick icons and individual Fences to exclude!


Create snapshots, and have automatic scaling (for screen size changes)
Take and restore snapshots of your Fence layouts for backup, or for when you are doing different tasks. Change your resolultion for playing games and Fences will keep them in the same relative spots. In the Pro version of Fences, the "snapshot" feature has been enhanced to automatically take and keep recent snapshots on hand, ensuring your desktop layout never gets lost.


Fences用来在你的桌面上创建一块一块的区域,并将桌面图标放入里面,可以随意拖动 ,随意改变大小,外观颜色等等。让你井然有序的管理桌面。


当你double click,那么桌面上的图标就隐藏起来了。。。




[下载点]

NTPM终于Matched了。。。

从上个星期一直进场排队排了8天,从0.580,然后0.575,然后0.570又0.575都一直和NTPM有缘无分,每当收市后登入查看status的时候,只会看到order expired,直到今早以0.580进场,在收市前查看了一下,终于看到了那令人开心的status - Matched,今天终于和NTPM有缘分了。

目前大头已经达到当初所设下拥有的数量,所以会停止进场,在外休息,几个月后累计资金后才可能再进场,接下来大头正等着另外一支股是否也会跌破地心线,如果处于低档,那么大头又会进场排队了,以便可以分批买进,大头不希望再次发生错过时机,但大头也希望不需要再排8天吧,朝着所设下的数量而奋斗吧。。。

Monday, April 12, 2010

《股市资讯》收到了。。。

在之前的帖子“获取免费《股市资讯》马来西亚版”,大头在该网站中申请索取,昨天回到家看到桌上有着《股市资讯》title的信封,大头打开一看,《股市资讯》终于寄来了。。。


对于有兴趣的朋友还可以到《股市资讯》http://www.sharesinvestment.com/mysurvey/index.php 申请,大头刚才试了,这url还是有效的。


p/s:在这里谢谢《股市资讯》,因为送出一本《股市资讯》可以帮助到刚要起步投资的朋友们。在这里大头也要表达对postman的不满,当他把这本书送到的时候,他并没有把整本书投进信箱里,而是一半在外,一半在内,结果昨天下了一场大雨,整本书湿透了,大头唯有把书烘干;就算没有下雨,这样放的方式,有心人可以轻易的取走,大头在不知情下是不是会怀疑《股市资讯》而导致大头向《股市资讯》做出投诉的时候,才发现是误会一场,那么不是浪费了彼此的时间。。。




Sunday, April 11, 2010

大众书局会员。。。

從2007年起,在購買書籍、雜誌或其他刊物時,納稅人可獲得1000令吉 個人稅務回扣,大头有鉴于此,加上本身也喜欢阅读,所以这个星期就去了附近的大众书局申请会员卡,大头选择了3年的会员籍 - RM25,如果申请一年会员的话是RM12,所以拿3年的话就省下了RM11,为什么不选择3年呢。。。^^

当你呈上申请会员表格的时候,员工会给你一张暂时会员卡,然后一个星期真正的会员卡就会寄到你的住家。一年可以回扣1000,所以每个月购买
83块左右的书籍就可以了。

大头今天也去了那边逛逛,已经物色了几本有兴趣的书籍,到时候又可以增进知识了。。。

Saturday, April 10, 2010

Lenovo赢了。。。

今天下课后,就前去PISA PC Fair,和往年一样,还没有进去之前,外面的走廊充满了蓝军,黄军等等,真的好恐怖啊,什么是蓝军,不就是一看到你就跑上来对你说:Celcom Broadband。。。黄军则说:Digi Broadband,接下来还有Maxis Broadband,接下来还有TM Streamyx,一关一关的摇着头说No, No, No地闯啊。。。


今天会去是因为要帮一位朋友survey手提电脑,拿了Lenovo, DELL, Acer及HP的传单,也顺便在各自的booth看看及试一试,真的流口水啊,好想买下来啊(又是“想要”,天啊!!!)。


这4张传单中,为Lenovo最大张啊,所以Lenovo赢了。。。:p






由于大头那位朋友要买laptop for working purpose(she is insurance agent), so the laptop mainly to show client the calculation of saving plan and surf net,所以大头觉得买太好有点浪费,虽然她的budget也蛮高的(RM2500),所以目前觉得有两款适合她:


Laptop 1:

DELL Inspiron 14 - RM1,999
-Intel Core i3-330 Processor(2.13GHz)
-Free DOS
-2GB DDR3 SDRAM
-250GB Hard Drive
-14.0 HD WLED Glossy
-Integrated Intel Graphics Media Accelerator X4500HD
-1-Year Limited Hardware Warranty, In-Home Service After Remote Diagnosis


Free Targus Synergy care


Laptop 2:

Lenovo G450 - RM1,799
-Intel Pentium Processor T4400(2.20GHz, 800MHz FSB, 1MB L2 Cache)
-Genuine Windows 7 Home Premium
-2GB DDR3 SDRAM
-320GB SATA HDD(5400rpm)
-Dual Layer Multiburner Drive(DVD-RW)
-Intel Graphics Media Accelerator X3400
-14.1" WXGA LED
-6-cell Li-ion Battery
1-year Regional Carry-in Warranty


Also available Lenovo G450 with DOS - RM1,599

Friday, April 9, 2010

評估您的貸款償還能力

一般的標準是,您的貸款每月分期付款不應超過您的每月家庭總收入的三分之一。

如果您有儲蓄或定期存款,也可以用作支持您的貸款申請,因為金融機構將用之評估您申請貸款的符合資格程度。各別的金融機構在計算還款能力方面擁有不同的標準。若您的貸款為浮息利率貸款,您必須注意,當利率升高的時候,您的每月還款額也相應增加。

舉例說,當基本貸款利率(BLR)提昇,您的貸款利率也會隨之增加,那麼您的還款額將會更高。無論如何,在大部份案例,金融機構將允許您在整個貸款期支付每月的固定還款額,同時將根據利率的變動,通過延長或縮短貸款期的方式作出調整。您必須向您的金融機構查詢這一方面的事項。

Assesing Your Loan Repayment Capacity

A common criterion is that your monthly loan instalment repayment should not be more than 1/3 of your gross monthly household income. If you have savings or fixed deposits, they can be used to support your loan application as financial institutions may take them into account in evaluating your eligibility. Different financial institutions have different criteria in calculating the repayment capacity. In the case of a floating rate loan, you should also note that your monthly repayment may increase substantially when interest rates go up.

For example, when there is an increase in the Base Lending Rate (BLR), the interest rate on your loan will also go up, and your repayment would be higher. However, in most cases, financial institutions would allow you to pay the fixed amount of monthly repayment throughout the loan tenure and would make any adjustment caused by the variation in interest rate by increasing or shortening the loan tenure. You should check this out with your financial institution.

[星洲互動‧20/05/2007]

申請貸款:需要的文件

在金融機構處理您的貸款申請之前,您必須提供以下的基本文件:

* 身份證或護照影印本
* 最近3個月的薪金單
* 最新的所得稅報稅表(J表格)或EA表格
* 買賣合約/抵押金收據或訂屋收據/發展商發出的購屋獻議信
* 地契影印本(若有)
* 最近6個月的儲蓄存折/定期存款的銀行結單(若無薪金單以及/或J/EA表格,銀行結單必須提供)
* 已建竣房屋的估價報告
* 如果您為自僱人士,您必須提供您的商業注冊文件,最近3個月的銀行結單,最近的財務報表以及其他的支持文件,以作為您的收入支持證明

不過,一些金融機構可能要求附加的支持文件。一旦接受了獻議信之後,您必須委任一位律師為您擬定貸款文件。一般上,您將在您的金融機構提供的顧問律師名單中作出選擇。這類文件的一部份必須呈至相關的政府部門登記,以及交至印花稅務局蓋印花稅。

在完成了上述事項之後,這類注冊文件將交返金融機構,而您也將獲得一份貸款合約。一般上,完成這些法律程序所費的時間不應超過6個月。

Loan Applications : Documents Required

You need to provide the following basic documents before the financial institution can process your loan application:

* A photocopy of identity card or passport
* Your latest 3 months' salary slip
* Your latest income tax return form (Form J) or EA form
* Sale and Purchase Agreement/deposit or booking receipt/letter of offer from the housing developer
* A photocopy of the land title (if any)
* The latest bank statements (compulsory in the absence of salary slips and/or Form J/EA Form) dating back six months/savings passbook/fixed deposits
* Valuation report for completed houses and/or
* If you are self-employed, you need to provide your business registration documents, latest 3 months bank statements, latest financial statements and other supporting documents to support your income.

However, some financial institutions may require additional supporting documents.

Upon acceptance of the letter of offer, you will need to appoint a lawyer to draw up the loan documentation for you. Normally, you would select your lawyer from a list of panel lawyers provided by your financial institution. Some of these documents need to be submitted to the relevant government authorities for registration and to the Stamp Office for stamping.

Upon completion of the above, these registered documents are then submitted to the financial institution and you will be given a copy of the Loan Agreement. In general, the timeframe for the completion of this legal process should not exceed 6 months.

[星洲互動‧20/05/2007]

費用與收費

您必須交付相關的成本,例如專業費用以及政府收費。以下是將產生的一般費用與收費。

請注意,這類收費以及所徵收的費用,在未來可能會不相同。您應當與您的金融機構的貸款人員會晤,以獲得進一步的咨詢,並且針對您對這類費用以及律師業務事項所關心的任何問題提出討論。

Fees And Charges

There are also related costs such as professional fees and government charges that you would have to pay. Below are some of the common fees and charges you would expect to incur:

Please note that the type of charges and the amount charged might change in the future. You should meet with your financial institution's loan officer for further advice and discussion regarding any questions that you may have concerning the type of fees and legal services.

[星洲互動‧20/05/2007]

在华文版中“處理費用”一览中的资料有些错误,对于金融機構將徵收一次過的處理貸款费用,30,001 - 100,000 收费是100块而不是51。

Ambank网站得来的资料:
Processing fee scale (based on loan size)
- Below RM25,000 – Nil
- RM25,000 to RM30,000 – RM50.00
- RM30,001 to RM100,000 – RM100.00
- Above RM100,000 – RM200.00

This fee is currently waived

Thursday, April 8, 2010

選擇您的金融機構

在決定所選擇的金融機構之前,您應當貨比三家。請記得,當您接受房屋貸款時,您需要在一段期間經常與金融機構打交道。因此,除了低利率之外,您也必須考慮其它的因素。以下是您應考慮的事頂:

* 這家金融機構接待顧客的專業程度有多高?
* 它是否提供有效及可信賴的素質服務?
* 它提供哪些貸款配套,以及哪一些配套最符合您的要求。
* 所涉及的收費有哪一些?

例如,律師費,相關的政府費用及收費,貸款發放費用以及其他。您也應當被告知,在什麼時候徵收這類收費以及是否需要經常支付這類收費的事項。

一家具有革新精神的金融機構,可能將提供更為適合您的貸款配套,而這類金融機構的貸款處理程序也可能更快捷及無繁瑣。一般上,當您呈交了所有相關的文件之後,您的貸款申請需時1至2個星期獲得批准。

Choosing Your Financial Institution

You should shop around before you decide on any financial institution. Remember that when you take up a housing loan, you will be dealing with the financial institution on a regular basis for a period of time. Therefore, you should also consider factors other than just interest rates. Below are some of the factors you should consider:

* How professional is the financial institution in dealing with customers?
* Does it offer quality service in terms of efficiency and reliability?
* What are the available loan packages and which package suits you best?
* What are the charges involved?
For example, legal fees, related government fees and charges, disbursement fees and others. You should also be informed when and how often these charges are to be paid

An innovative financial institution may offer a more suitable loan package that suits your needs and their application process may be faster and hassle-free. It usually takes about one to two weeks for your loan application to be approved from the time you submit all relevant documentation.

[星洲互動‧20/05/2007]

僱員公積金儲蓄

僱員公積金儲蓄

您可自您的僱員公積金戶口中提出款項,以支付首期付款。請聯絡您鄰近的僱員公積金辦事處,查詢您是否符合提款的資格。

EPF Savings

You could also withdraw from your Account 2 to make the initial downpayment. Please contact your nearest EPF office to inquire about your withdrawal eligibility.

[星洲互動‧20/05/2007]

儲蓄

儲蓄

您必須擁有足夠的個人儲蓄,以支付首期付款以及其他與購屋有關聯的成本。最佳的預算是支付10%至20%的購價作為首期付款,以及支付另外 3%至5%作為相關成本,如律師費以及印花稅。

Savings

You should have sufficient personal savings to pay for the downpayment and other related costs associated with buying a house. A good estimate would be about 10%-20% of the purchase price as down - payment and another 3%-5% for related costs, such as legal fees and stamp duties.

[星洲互動‧20/05/2007]

我能夠負擔的是什麼

在您承諾購買產業之前,首先您應當規劃及預算,以協助您確定您所能夠承擔的數額,以及您欲購買之產業的頂價。作為參考,您支付房屋與汽車分期付款以及其他的付款,不應超過您的每月家庭總收入的三分之一。

您的籌資來源可以是以下所有的或其中的任何組合: 

1. 儲蓄
2. 從雇員公積金戶口中提出款項
3. 金融機構提供的貸款

What Can I Afford

Before you commit to purchase a property, you should first work out a budget to help you determine how much you can afford and the ceiling price on any property you may wish to buy. As a guide, your monthly commitments on paying instalments for your house, car and other payments should not exceed 1/3 of your gross monthly household income.

Your source of funding can be all or any combination of the following:

1. Savings
2. Withdrawal from Employee Provident Fund (EPF) account
3. Loan facility from a financial institution

[星洲互動‧20/05/2007]

5109 STARHILL REAL ESTATE INVESTMENT TRUST。。。(2)

历年STAREIT派息纪录



STAREIT基本分析



STAREIT技术分析



地心指标

目前股价处于高档,昨天以0.860收市,而地心线值为0.844。



2月份的时候是适合加码的时机,但因为指标是下跌的趋势,所以大头认为还可以再下跌而没有分批买进,结果错过了,目前股价已经处在高档了。

各大酒店品牌注入产托 杨肃斌:计划未来上市

(吉隆坡6日讯)杨忠礼机构(YTLCorp,4677,主板建筑股)董事经理丹斯里杨肃斌表示,该公司计划把旗下各大酒店品牌注入产业投资信托(REITs),并计划在未来上市。


据悉,上述产业投资信托将模仿类似法国一家控股公司——酩悅轩尼诗路易威登集团(LVMH Group),后者被公认为世界上最大的奢侈品集团之一。


酩悅轩尼诗路易威登集团拥有50个奢侈品牌,如路易威登(Louis Vuitton)、芬迪(Fendi)以及马克雅各布(Marc Jacobs)。


杨肃斌向《商业时报》披露:“它和酩悅轩尼诗路易威登集团一样,在产业投资信托内,我们将可拥有许多休闲业务品牌。


“目前,我们拥有许多品牌,如万豪酒店(JW Marriott)、 丽兹酒店(Ritz Carlton)、法国圣特鲁佩斯(Saint Tropez)的缪斯(Muse)酒店、巴厘岛的酒店、上海斯沃琪艺术和平饭店(The Swatch Art Peace Hotel)、日本北海道二世古村落,以及大马数个度假村,如绿中海岛屿国际度假村(Pangkor Laut Resort)。”

楊忠禮重組80億REITs‧昇喜壯大至16億主攻酒店業

(吉隆坡)楊忠禮機構(YTL,4677,主板建築組)重組旗下80億令吉產業投資信託組合,將昇喜產業信托(STAREIT,5109,主板產業投資信托組)的基金規模擴大至16億令吉,並易名為全球休閒產業信託(Global Hospitality REITs)。

在產業投資重組計劃下,昇喜產業信托將專注在酒店業,而新加坡上市的昇喜環球產業投資信託,則專注在零售產業。

這間公司今日(週四,11月19日)宣佈,昇喜環球產業投資信託將以10億3000萬令吉,收購昇喜產業信旗下2座購物商場。

此外,昇喜環球產業投資信託也將以1億4800萬新元(約馬幣3億6000萬令吉)收購澳洲柏斯大衛瓊斯(David Jones)建築。這間公司將透過發售債券和附加股完成相關計劃。

與此同時,楊忠禮機構也將把旗下麗嘉酒店(Ritz-Carlton)、萬豪酒店(JW Marriott)和Vistana酒店和休閒資產等資產注入昇喜產托,將其規模從4億4000萬令吉擴大至約16億令吉。

確保REITs每季派股息

楊忠禮機構首席執行員丹斯里楊肅斌指出,重組計劃將讓旗下REITs營運架構更清晰和輕盈,並確保REITs將在每個季度派發股息。

“目前,昇喜REITs派息率約7%,重組後派息率將進一步改善。”

他表示,脫售預計在明年1月完成,昇喜REITs將專注於酒店業務,未來可能在全球世界級旅遊勝地,如巴厘島、普吉島等收購高檔資產。

“為反映專注酒店和休閒業務,昇喜產業信托也將易名至全球休閒產業信託,預計將在未來6個月完成。”

楊忠禮機構轉型水力電力將重組

另一方面,楊肅斌透露,配合楊忠禮機構轉型計劃,旗下水力、電力等子公司都將進行重組計劃,以改善整體架構,並減少對母公司的依賴,同時達到回饋盈利和穩定派息目標。

“我預計未來2年可從子公司收取的股息將達到10至20億令吉,並將積極放眼收購亞洲、印度或摩洛哥或全球各地資產。”

[星洲日報/財經‧2009.11.18]

脫售升禧樂天 楊忠禮機構進賬10億。。。

(吉隆坡18日訊)楊忠禮機構(YTL,4677,主要板建築)旗下升喜全球產託(Starhill Global REIT),將在半年內轉型成為全球酒店業產託(Starhill Global Hospitality REIT)。


楊忠禮機構董事經理丹斯里楊肅斌表示,為了使新產托定位更為鮮明,原本在升喜全球產託旗下的升禧廣場(Starhill Gallery)與樂天廣場(LOT 10),將脫售予新加坡升喜全球產託。


他說,脫售這兩家商場將可為酒店業產托,帶來10億3000萬令吉。


他指出,大馬及新加坡這兩個產托資產總值達80億令吉,即將轉型的酒店業產托目前資產價值為4億令吉,預計轉型計劃完成后,資產總值將達16億令吉。

Wednesday, April 7, 2010

5109 STARHILL REAL ESTATE INVESTMENT TRUST

The proposed listing of Starhill Real Estate Investment Trust (REIT) on the Main Board of Bursa Securities marks the next milestone for the YTL Group. Sponsored by YTL Group, one of Malaysia's most successful and renowned conglomerates, and driven by an experienced and respected management team, Starhill REIT offers investors, both institutional and retail, an opportunity to "own" these exclusive and high quality properties which are otherwise not within reach.
STAREIT旗下的产业
JW Marriott Hotel Kuala Lumpur
Property : A 5-star hotel with 561 rooms located on part of an 8-level podium block and the entire 24-level tower block of Starhill Gallery
Address : 183 Jalan Bukit Bintang, 55100 Kuala Lumpur, Malaysia
Property type : Hotel
Title : Freehold
Age of building : Approximately 12 years
Approved valuation : RM335,000,000
Tenancy details : The JW Marriott Hotel Kuala Lumpur is presently leased to Star Hill Hotel Sdn Bhd, a wholly-owned subsidiary of YTL Corporation Berhad and the operator of the hotel, for a term expiring on 31 December 2023.
The JW Marriott Hotel Kuala Lumpur is one of the flagship JW Marriott Hotels around the world and the first Marriott-managed property in Malaysia. Ideally located within the central business district of Kuala Lumpur, the five-star deluxe hotel anchors the popular Bintang Walk and provides a distinctive level of luxury and comfort with the impeccable service that is Marriott’s hallmark.
Directly linked to the prestigious Starhill Gallery, guests enjoy convenient access to the best shopping in the city. Designed with the business traveler in mind, all guest rooms and suites have an ample working area and high-speed Internet access. The hotel compromises part of an 8-level podium block and the entire 24-level tower block of the main building, adjacent to the iconic Starhill Gallery.


The Residences Properties
Property : 60 units of serviced apartments, 4 levels of commercial podium, 1 level of facilities deck and 2 levels of basement car parks within The Residences at The Ritz-Carlton, Kuala Lumpur
Address : Lot 1308, Jalan Yap Tai Chi, Seksyen 67, Off Jalan Imbi, 55100 Kuala Lumpur, Malaysia
Property type : Serviced apartments
Title : Freehold
Age of building : Approximately 4 years
Approved valuation : RM145,000,000
Tenancy details : The Residences Properties are presently leased to Star Hill Hotel Sdn Bhd, a wholly-owned subsidiary of YTL Corporation Berhad, for a term expiring on 30 June 2031.
The Residences at The Ritz-Carlton, Kuala Lumpur comprise luxury serviced apartments in a 38-storey tower block adjacent to The Ritz-Carlton, Kuala Lumpur, located in the heart of Kuala Lumpur’s Golden Triangle. Operated and fitted in a matter similar to hotel room standards, these serviced apartments provide the added advantage of hotel services with the flexibility and space of a home, and have been growing in popularity both internationally and in Kuala Lumpur in recent years.
The addition of The Residences Properties to Starhill REIT’s portfolio facilitates the sharing of services with Starhill Gallery and the JW Marriott Hotel Kuala Lumpur. These services include world-class conference facilities at the Carlton Conference Centre, spa services at the award-winning Spa Village Kuala Lumpur and the high-end food and beverage outlets at Starhill Gallery’s Feast Village.
之前也拥有STARHILL GALLERY AND THE LOT 10,但在18/11/2009公布脱售。资料来自KLSE


ENTRY INTO HEADS OF AGREEMENT IN RELATION TO PROPOSED DISPOSAL BY STARHILL REIT OF STARHILL GALLERY AND THE LOT 10 PROPERTY (AS DEFINED HEREINAFTER) (“PROPOSED DISPOSAL”) PURSUANT TO A PROPOSED RATIONALISATION EXERCISE TO REPOSITION STARHILL REIT AS GLOBAL HOSPITALITY REIT (“PROPOSED RATIONALISATION”)

購買房屋

購買房屋是重要的決定,因此應當再三考慮及策劃。

如果您購買的是尚在興建中的產業,您應當檢查發展商的背景。您應當確保有關的發展商:

* 擁有由房屋及地方政府部發出的合法執照,同時有關執照仍然有效(未逾期)
* 擁有由各別地方政府發出的合法廣告與銷售准證。

您有權向發展商查詢有關執照以及准證的資料。

您也可以向房屋及地方政府部尋求進一步的闡述,若發展商擁有良好的記錄,將能減低房屋計劃被擱置的風險。

Buying A House

Buying a house is a major step, so it deserves careful thought and planning.

If you are buying a property under construction, you should check the background of the developer. You should ensure that the developer:

* Has a valid licence issued by the Ministry of Housing and Local Government which is still in force (not expired)
* Has a valid advertising and selling permit issued by respective local authority which is still in force

You have the right to enquire from the developer, information on licence and permit. You can also refer to the Ministry of Housing and Local Government for further clarification. A developer with a good track record reduces the risk of the project being abandoned.

推廣網店實用技巧

網店和實體店一個明顯的區別,就是實體店只要物色到一個合適及人口稠密的地點開店,你的客戶就會自動上門,而網店卻非如此。無論你花多少錢來設立一個網站,如果不做宣傳,瀏覽量可能等於零!

許多人誤解以為只要在網上開店,就會自動有人上網光顧。其實這是個大大的錯誤觀念。經營網店其中一個大挑戰,就是如何提高網站的瀏覽量。瀏覽量高了,購買的客戶自然也會增多了。比起實體店,雖然這是網店的一大缺點,但換個角度來看,實體店的光顧量是有點被動的,而網店的瀏覽量則是主動的。你可以憑著創意、努力及各種宣傳方式來提高瀏覽量,但實體店的光顧量卻非常依賴當地的人口稠密度,交通方便等外在因素。

宣傳網店有好幾個方法,有付費的,也有免付費的。

PTPTN四月份偿还纪录。。。

四月份PTPTN的偿还纪录。。。

房贷词汇(英文版)。。。

Acceptance Letter
A letter from the application indicating his willingness to accept the loan after the loan is approved by the banking institution.

Application Form
A form used to apply for loan.

Appraisal/Valuation Report
A written analysis of the estimated value of real estate prepared by a licensed Valuer/Appraiser.

Base Lending Rate (BLR) A minimum interest rate calculated by financial institutions based on a formula which takes into account the institutions' cost of funds and other administrative costs.

Commitment Fee
A fee charged by the financial institution for setting aside funding that are not utilised by the borrower. Usually only applicable to overdraft facility.

Default
Failure to pay the monthly instalment/interest payments to financial institutions when due.

Disbursement Fees
Various type of fees such as registration of charge fee, land search fee, bankruptcy search fee incurred by financial institutions and solicitors attending to the loan documentation in relation to the loan which are payable by the borrower.

Documentation
A set of agreements, forms, and other documents to be signed in connection with a loan. The documentation will form a full set of records for the loan.

Downpayment
An initial payment made by the buyer to the seller of the house.

Financial Institutions
All commercial banks and finance companies licensed under BAFIA 1989 and Islamic banks licensed under the Islamic Banking Act 1983.

Flat Rate
A term to describe interest that is charged as a fixed percentage of the loan amount throughout the tenure of the loan. The flat repayment amount is usually determined before the commencement of the repayment programme. For example, interest charged on a RM 10,000 loan at a flat rate of 10% per annum is RM 1,000 annually until the loan is fully settled.

Floating Rate Loan
A term used to describe a loan, where the interest charged fluctuates due to the rise and fall of a certain indicator such as the Base Lending Rate.

Foreclosure
Legal action available to the financial institution for recovering outstanding sums owed by a borrower who has defaulted on his/her loan. The property pledged by the borrower to secure the loan is sold and the proceeds of the sale used to settle the outstanding loan amount.

Graduated Payment
A scheme that allows the borrower the flexibility to pay a lower instalment sum at the beginning of the loan tenure before progressing onto a higher instalment sum as the borrower's purchasing power improves.

Gross Monthly Household Income
The sum of gross monthly pay of all working family members before deducting income tax, Socso, EPF, loan instalment or other deductions plus any additional income from overtime, commissions and other sources.

Guarantor
Person or entity who is legally bound to pay a debt incurred by the borrower if that borrower fails to pay.

Homeowners Insurance
An insurance policy that combines liability coverage for a homeowner together with protection from damages caused by wind, fire, vandalism and other risks.

Interest Rate
The amount charged by the lender to the borrower for borrowing a sum of money expressed as percentage of sum borrowed.

Late Charge
A penalty charged by financial institution for not paying instalment due on time.

Letter of Administration
A Grant of representation issued by the High Court to a person to allow him to administer the estate of the deceased who died without a will.

Loan Tenure
Number of years taken to fully repay the loan principal and interest as agreed under a specific repayment programme.

Margin of Financing
The loan amount granted by the financial institution, expressed as a percentage of the value of property pledged to secure the loan.

Mortgage Reducing Term Assurance (MRTA)
A term insurance which reduces over the tenure of the loan. This form of insurance is used to provide cover for the outstanding loan amount, in the event of death or total permanent disability of the insured. MRTA is normally calculated to meet the outstanding loan amount.

Outstanding Loan
Remaining loan not yet paid, including interest and other charges.

Overdraft
A type of credit facility granted to the eligible current account holder. The borrower is allowed to issue cheques exceeding the credit balance in the current account but subject to a certain pre-approved limit granted by the financial institution.

Power of Attorney
A formal legal document giving authority to one person to act on behalf of another person.

Prepayment
Payment of all or part of a loan before maturity.

Prepayment Penalty
A fee charged by financial institutions for early payment of loan in full. The fee charged is usually based on a percentage of the loan amount or X months of interest.

Principal
The amount borrowed from financial institutions, excluding interest and other charges.

Property
Refers to landed properties (like house, apartment, condominium) and land (like bungalow lots).

Refinancing
The process of paying off a portion or the entire amount of the existing loan with the intention of obtaining another loan from the same or another financial institution.

Sale and Purchase Agreement
A written contract signed between the buyer and seller stating amongst others, the terms and conditions under which a property will be sold.

Security
Real or personal property that guarantees the repayment of a loan. The borrower risks losing the property if the loan is not repaid.

Term Loan
A loan which is repaid through regular periodic payments, usually over a period of time, for example 10 years.

Title
A legal document establishing the right of ownership on a property.