Terdapat sesetengah hartanah yang mempunyai status “Tanah Rizab Melayu” (Perhatian: Ini tidak sama dengan hartanah “Bumi Lot”). Hartanah ini tidak boleh dipindah hak milik kepada Bukan-Melayu dalam apa-apa keadaan. Dan seperti dalam hartanah pegangan berpajakan, persetujuan negeri diperlukan untuk pemindahan permilikan.
Majoriti bank tidak akan memberi pinjaman gadai janji kepada hartanah Tanah Rizab Melayu.
Semua hartanah mempunyai hakmilik yang menandakan pemilik harta. Semasa fasa pembinaan dan pembangunan, kemungkinan bahawa balutan seluruh tanah akan berada di bawah satu "Master Title". Tetapi biasanya, rumah bertingkat-tingkat atau pangsapuri akan dibina di atas sebuah tanah dan dijual secara individu. Jadi sebenarnya, "Master Title" akan dibahagikan kepada beberapa bahagian kecil sebelum dijual kepada pembeli individu. Bagi rumah teres / banglow, ia dikenali sebagai "Individual Title"
Bagi hartanah untuk bangunan tinggi, ini dikenali sebagai "Strata titles". Apabila dibahagikan, untuk memindahkan pemilikan, satu Memorandum Pemindahan (MoT) akan difailkan di Pejabat Tanah. Nama pembeli akan muncul pada geran itu sendiri, menjadikan mereka pemilik baru yang sah bagi hartanah itu.
Walau bagaimanapun, ia adalah perkara biasa bagi pemaju untuk menjual hartanah yang masih dalam Master Title, dan pembahagian hanya boleh berlaku beberapa tahun kemudian. Dalam kes sedemikian, untuk membeli / menjual, Surat Ikatan Penyerahan Hak sementara (Deeds of Assignment) akan difailkan di Mahkamah Tinggi, bukannya MoT di Pejabat Tanah. Berdasarkan Master Title, pemaju masih pemilik sah. Walaupun begitu, pemaju telah "menyerahkan semua hak mereka" bagi petak / unit individu dalam tanah itu kepada pembeli. Perhatikan bahawa apabila individual/strata titles dikeluarkan, proses pemindahan hakmilik secara rasmi (menggunakan title deed) seperti yang dinyatakan diatas masih perlu dilakukan secara standard.
Master Title
Pemaju merupakan pemilik yang sah. Menggunakan DoA yang dibuat di mahkamah tinggi untuk memberikan hakmilik sesuatu hartanah kepada pembeli
Satu rangkaian Perjanjian Jual dan Beli (SPA) dan DoA kembali kepada jualan asal perlu digunakan untuk membuktikan hakmilik terbaru.
Kebanyakan bank tidak akan membiayai suatu hartanah jika ia masih dalam Master Title selepas 10 tahun projek siap.
Individual / Strata Title
Pembeli merupakan pemilik yang sah. Mengguanakan MoT untuk menukarkan nama pemilik atas hakmilik hartanah di Pejabat Tanah
Nama atas geran hartanah adalah mencukupi untuk membuktikan hak milik terbaru. -
Tiada isu dalam pembiayaan email : malaysiapropertiespure@gmail.com FB Page : Malaysia Good Properties Investment
Tanah pegangan berpajakan adalah dimiliki oleh negeri dan ia dipajakan kepada “pemilik” untuk beberapa tahun tertentu. Menjelang akhir pajakan, pemilik dikehendaki membayar yuran untuk melanjutkan tempoh pajakan. Tanah pegangan kekal pula kepunyaan pemilik (pembeli) selama-lamanya.
Selainitu, semasa proses penjualan dan pembelian, kebenaran adalah diperlukan daripada pihak berkuasa negeri (Pejabat Tanah) sebelum pemindahan boleh diteruskan. Kerajaan boleh menahan kelulusannya atas beberapa sebab. Disebabkan langkah tambahan ini, ia boleh mengambil masa yang lama untuk membeli / menjual hartanah pajakan.
Hartanah pegangan kekal biasanya lebih mahal dari hartanah pegangan berpajakan dengan spesifikasi yang sama.
Pegangan Berpajakan
Tanah milik negeri, dipajak kepada pemilik untuk beberapa tahun
Pada akhir pajakan, pemilik perlu membayar untuk melanjutkan pajakan
Memerlukan persetujuan negeri (yang diperolehi di pejabat tanah) untuk memindahkan pemilikan
Kebanyakan bank tidak akan membiayai hartanah jika baki pajakan kurang daripada 30 tahun
Pegangan Kekal / Bebas
Tanah dimiliki oleh (pemilik) pembeli
Pemilikan adalah kekal selama-lamanya
Tidak memerlukan persetujuan negeri untuk memindahkan pemilikan (kecuali dalam sifat-sifat tertentu diperuntukkan khas)
Tiada persoalan bagi tempoh pajakan untuk pinjaman perumahan.
email : malaysiapropertiespure@gmail.com FB Page : Malaysia Good Properties Investment
Feeling less than motivated all too often? I do. Well, perhaps not too often. But sometimes I just feel really lazy and unmotivated.
Want some practical solutions to that universal motivation-problem? Here are 25 of them. Try a handful.
Let me know which ones work well for you.
I’m sure you’ll find at least one or two that do just that among these suggestions.
1. Make a deal with yourself. Good for overcoming procrastination and getting things done. You can make the deal small or large. You simple tell yourself something like: When I’m done with this chapter/these reports I can take a walk in the park and enjoy an ice-cream.
2. Act like it. If you don’t feel motivated or enthusiastic then act like it. The strange thing is that within a few minutes you actually start to feel motivated or enthusiastic for real.
3. Ask uplifting questions in the morning. Here’s what you do; every morning ask yourself five empowering three-part questions this way:
What am I ______ about in my life right now?
What about it makes me _______?
How does it make me feel?
Put in your own value in the blank space. For instance, a couple of my questions are:
What am Ihappyabout in my life right now?
What am Iexcitedabout in my life right now?
It’s important that you really feel how it makes you feel. When I think about the last part about what makes me happy right now I really feel it. These morning questions are great because the way they are set up makes you recognize things you take for granted and then they really get you to feel those positive feelings.
4. Move the goalposts. Set a large and specific goal. This will motivate you much more than small goals. A big goal has a big effect and can create a lot of motivation.
5. Do something small and create a flow. Just clean your desk. Or pay your bills. Or wash the dishes. You just need to get started. When you have finished that small task you’ll feel more alert and ready to go do the next thing. You just to get started to get motivated. So if you really don’t feel like doing anything, start with something small and work your way out up.
6. Do the toughest task first. This will ease a lot of your day-to-day worries and boost your self-confidence for the rest of the day. Read more about doing the hardest task bright and early right here.
7. Start slow. Instead of jumping into something at full speed start slow. When you do that your mind will not visualize the task as something hard that you have to do fast, fast, fast. If your mind sees such things guess what often happens? Yep, you don’t get started. Actually getting started, even if it’s at a slow pace, is a whole lot better than not getting started at all.
8. Compare yourself with yourself. Not with others. Comparing what you have and your results to what other people have and have accomplished can really kill your motivation. There are always people ahead of you. Most likely quite a bit of people. And a few of them are miles ahead. So focus on you. On your results. And how you can and have improved them.
Reviewing your results is important so you see where you have gone wrong in the past to avoid similar missteps further on. But it’s also important because it’s a great motivator to see how much you have improved and how far you have come. Often you can be pleasantly surprised when you do such a review.
9. Remember your successes. And let them flow through your mind instead of your failures. Write down your successes. Consider using a journal of some kind since it’s easy to forget your successes.
10. Act like your heroes. Read about them, watch them, listen to them. Discover what they did that was special and what made them tick. But remember that they are people just like us. So let them inspire you instead of looking up at them admiringly.
11. Remember to have fun. Or create fun in a task. Then you’ll stay motivated to do and finish it.
12. Get out of your comfort zone. Face your challenges to get a real boost of motivation. If you are holding yourself back have a look at 5 Life-Changing Keys to Overcoming Your Fear and the methods in this article. They can help you get started and take that first scary step outside your comfort zone.
13. Don’t fear failure. Instead redefine it as feedback and as a natural part of a successful life. As Michael Jordan said:
“I’ve missed more than 9000 shots in my career. I’ve lost almost 300 games. 26 times, I’ve been trusted to take the game winning shot and missed. I’ve failed over and over and over again in my life. And that is why I succeed.”
Also, try to find the valuable lesson(s) in each of your failures. Ask yourself: What can I learn from this?
14. Do some research on what you are about to do. Then your expectations will be more grounded in reality and you can also get good hints on what difficulties that you might run into along the way. Managing your expectations can lower the often almost explosive initial enthusiasm. But it can also lessen the lack of motivation that usually follows when most of that enthusiasm has dissipated.
When you know what has happened to others in similar situations – what path they have walked – you can adapt and try their solutions (and personal variations of those) and your own. This makes the worries and challenges easier to handle. Both emotionally – since you know at least some of the things that will happen and that others have lived through it before – and practically.
15. Figure out why you´re doing something. If you don’t know or don’t have good enough reason to do something then it will be hard to get it done. Do things that you have really strong reasons to do. If you want to do something then figure out a good reason to do it. If you can’t find one consider dropping it and doing something that you have a good reason to do instead.
16. Write down your goals and reasons for working towards them. Tape them on your wall, computer or bathroom mirror. Then you’ll be reminded throughout the day and it becomes easier to stay on track and stay focused.
17. Take The Positivity Challenge! Learn to think more positively most of the time. Learn to let to go of negative threads of thought before they have a chance to take hold of you. You might not be able to be positive all the time no matter what happens. But I think most of us can improve on our positive thinking and the results it can lead us to. Perhaps more than you realize right now.
18. Cut down on TV. Do you watch it too much? Watch less of what they are doing in TV-land and do more of what you want to do in life.
19. Break it down. Break down your task or project into small steps. And just start with focusing on that first small step. When you are done move on to the next and just focus on that one. The small successes will keep your motivation up and keeping your focus away from the big picture stops you from becoming overwhelmed and discouraged. It’s amazing how much you can get done if you follow this simple method.
20. Reprogram your information intake. Program out negative and cynical thoughts from the media and society. Reduce your information intake. Then program in positive news and entertainment, more of your own thoughts and useful information such as personal growth tapes and books. Be selective and keep it positive.
21. Make use of your creativity. Take out a piece of paper. Write at the top of the page what area in your life you would like to have more ideas about. Perhaps you want ideas to earn more money or become a healthier person. Then brainstorm until you have written down 20 ideas on that topic. Then try for 10 more. Not all ideas will be good. But some will. And as you make use of your creativity you not only discover useful ideas. You also discover just how creative you can be if you try and how motivating and great that feels. Have a look at 8 Ways to Spark Your Creativityfor more ideas on this topic.
24. Think outside your box. Don’t imagine the future from the box of what you have now. Just because your mind is in box of previous experiences doesn’t mean that´s the limits of the world. Your possibilities are much larger. Create the future from the now and from nothing rather than your past to experience bigger changes with fewer limitations than you would if you created it from what you can see from your box.
25. Make each day count. We don’t have all the time in the world. So focus on today and do the things you really want to do.
