Nov 24, 2009

My home sweet home..

Ok, let me tell about my home sweet home.. I always want a double storey house but I know I can't afford it on my own.. so I share this luvly house with Iwan.. and it cost us a lot.. that I think we need to really spend less in order to really have this with us.

It begin during Hari Raya Puasa.. when my office mate, Kak Ina ask us to come visit her new house.. She has a open house that day.. So, Iwan agree to come with me. Her house is at Bandar Bukit Raja. It's a Sime Darby property. I know Sime Darby is well known as good developer. I thought of seeing their single storey house.. thinking there's no way I can afford a double storey house. Me and Iwan finally go visit the sales gallery after that open house.. and we were so amazed with the beautiful houses.

There's no single storey house available except for end lot that cost 245k. Then we decide to look at the house sample of avira and ellis.. Ellis will cost us 280 plus k and Avira will cost us 308k... and without knowledge, we think that we might need to pay like 2k to 3k per month.. which we can't afford :( Later we pick the loan brochures.. the list shows that for 30 years, we have to pay around 1400 per month.. which is.. when we think back.. is quite affordable.

We realize that with such amount.. we have to squeeze our budget a bit for first few years.. until our salary increase a bit, that amount become not a really big sum.. Maybe people wonder why we take such financial risk.. 1st) the house price keep incresing.. and we don't think that if we wait.. we soon can afford such that type of property.. once we put on commitment for like a smaller house.. we're not going to have balance to purchase bigger size house. 2) The location is good.. and it's worth every penny spend.. and guess what, we survey other parts too and it's not easy to get that price for that kind of house.. most cost like 400k. 3) Why worried spending more on something valuable like that.. It's not an LV bag or Prada shoes.. I'm talking about a house here..

After a few time calculating and recalculating the monthly budget.. we decide to go survey the loan before paying for down payment.. we find that Maybank offer quite attractive package.. Zero entry cost.. at blr - 2.1% interest.. So we go paying the booking fees and select no 18 as our house.. it's facing sun- down.. which to other people is bad.. but i think it meets what we want so it's fine then..

On the day we collect the offer letter from sime darby sales person, pn lily, a loan promoter, mr tee comes offer us the cimb loan.. we already think that we'll go to maybank but he patiently wants to offer us loans.. explain to us this and that.. and the next day we meet to give the documents and he explain to us again what cimb can offer.. he gives us blr - 2.2% and it's non zero entry cost but the amount absorb in loan.. we're quite satisfied with his explaination.. and this is flexi loan. We proceed the application with him..

The next day we receive news that our loan only approve 85%.. then he ask us to submit any other account info.. so we submit our ASB.. then our loan approve 90% + other cost.. We did submit to maybank as well.. but we got the news from CIMB first.. and we're satisfied with the offer.. so, we accept that.

After that, we proceed to sign the S & P with Pn Lily.. and now.. tomorrow, we'll go sign the actual loan agreement and ask about the S & P so that Iwan can withdaraw his KWSP to pay the balance of downpayment..

So, what's avira looks like.. is like above.. The interior is from the house sample.. :) Did I mention the rumors.. that Jusco will open nearby.. :D I think it's a good choice to buy here.


I always wanted to write something.. Writing has been my biggest passion. For such a long time.. i found myself wandering in such a different world, searching for bits and pieces of words. So after such this long time.. I manage to let myself sit.. and fulfill my passion in writing, once again..
I think it's good. It's a window to open a soul.

So recently, so many things has happen.. my boyfriend always said something like.. honey, you'll lost interest in it.. you always do.. like the malay says 'hangat2 taik ayam'.. which i really hate. Those phrases just kill me. Because... God gives me 24 hours a day.. which i did hope i have more. I spend at least 12 hours from preparation to works... and working. When I get home.. I have my duty as a daughter as well.. to help my mom a bit here and there.. when the clock ticking faster and i even curse my eyes because i got tired when it reach ten sumting.. and the whole routine comes again..

I never hate my work even though I always comes home thinking what I should do next days.. what promise i have deliver to people.. these days.. I even worried to take a leave even though i have no choice.. I always want to give my best. And up till today. I'm still learning to fulfill my own requirement and needs. And who says working with government agencies is really easy.. I think I trust what the registrar of UiTM says.. if we, not prepared to do things like the private sector.. then we're not qualified to stay in UiTM.. yeah.. i'm learning to be at the same phase as the private do.

I love Saturday.. It's an official day that I will go out with Iwan.. I've learn this needs for such a long time.. I still remember how much I hate my days in boarding school. Weekends for me is a day that you get creative with yourself.. I never been in love with Tv.. even today.. I did like movies.. so i think it's essential to go out and see the world on weekends.. not just cramp your head with all the algebra, the newton laws, the process of forming the alcohol or however the blood runs in your veins should reach your heart.. I know I did score my SPM with flying colors... Thanks to my beloved school.. but I need my weekend freedom and I don 't get that when I was in school and i rage that time.. Regrets? No.. I'm graduate now.. and working as a professional... what else could you ask in life.. When everything seems like at a nice track.. We should be grateful. Alhamdulillah..

There's several things i did these days.. several projects running.. I've bought my first house.. And I know I can't afford a mortgage unless it's together with Iwan.. So we bought the house together.. People says like it's a huge risk.. we're not married yet.. Whatever! We've been together 7 years.. once, the big waves rock our boat.. and i think i learn good enough lesson on how to be strong.. to survive my relationship.. And I pray to God.. that what we plan will happen as it is.. I think I'll make another post on this.. Coz I alwayz wanted to write bout this house.

Another project is my engagement and soon to be wedding.. my engagement is next month.. I can't wait for it.. and we're still in preparation.. I'll write on that too next.. and the wedding.. I'll constantly will update on that too...

The last but one of the most important one is... the clearance of 2009 works.. I have to get this done after hari raya haji... I have to settle this thing.. at least, a large portion of it should be done.. :)

So many things happen in this year.. it's almost end of november... I hope I can have time to really write sumthing here.. It's a story of life too...