News about AG

THERE are multi-functional furniture, multi-functional cookers, and all sorts of other multi-functional items being introduced into the market lately.

KUALA LUMPUR (March 20): Bintai Kinden Corp Bhd has decided to focus on its core businesses of mechanical and electrical (M&E) engineering services as well as construction for now to ensure profitability.

IF you need a loan to finance your property purchase, or for business investment or children’s education, you may be put off by the current tight lending environment.

           PETALING JAYA (March 17): You think the property you’re residing in is safe? Are you sure? According to Anthony Lee Tee, Architect Centre accredited building inspector and trainer, homeowners should equip themselves with more information and knowledge to ensure the safety of their own homes.

毫无后顾之忧的退休生活，是许多人向往的目标。 然而，随着生活成本不断攀升，老年人是否还能在迟暮之年拥有足够的资金养老？ 为了协助退休人士应付退休后的生活开销，美国、英国和加拿大等先进国已实行反向抵押贷款（reverse mortgage），让这些人士通过这种贷款模式，定期获得一笔收入。 所谓反向抵押贷款，就是让退休人士把本身持有的产业抵押给银行，以申请一笔贷款。若申请获批，退休人士可继续住在该产业，且每月可获得银行发出的分期款项，直至该人士逝世或搬出该产业。 由于反向抵押贷款是以产业作为抵押，所以申请者实际上是用本身的产业来偿还银行贷款。 但值得注意的是，银行发放完分期款项后，该产业就完全属于银行，届时，若申请者还在世，就必须搬离该产业。 双威大学商学院经济教授与谢富年东南亚研究所经济研究主任Yeah Kim Leng指出，反向抵押贷款是个创新的解决方案，但这种贷款模式相当复杂，且会牵涉到很多跨世代的问题与风险，所以必须谨慎地管制。 ”反向抵押贷款的需求的确存在，但问题是，金融机构推出这个贷款模式后，究竟能够赚取多少盈利？“ 大马经济研究院（简称MIER）高级研究员Zulkiply Omar表示，如果大马想要推行反向抵押贷款，就必须先设立相关的法律与条例来保障退休人士权益。 “这些退休人士的家庭成员也必须全面了解反向抵押贷款背后的意义，并承担该贷款的法律责任，否则他们就不能继承有关产业。” 询及反向抵押贷款在大马的可行程度，Yeah说，随着我国逐渐迈入高收入国的行列，加上人口老化和拥屋人数攀升，相信这种贷款模式很快会在本地出现。 然而，Zulkiply认为目前并非实行反向抵押贷款的最佳时机，除非国内产业市场能够稳定且井然有序。 “首先，低至中等收入阶层的买房能力问题需要解决。就目前而言，反向抵押贷款只能在一个规划良好的环境下，为特定阶层提供服务。“ 原文已于2017年2月24日的TheEdgeProperty.

THE top two losses for private non-landed homes sold in the week of Feb 14 to 21 were for units in Orchard Scotts, a 99-year leasehold ­condominium in prime District 9 completed in 2008.

SINGAPORE (March 8): DBS is maintaining its “buy” recommendation for CapitaLand Commercial Trust, thanks to the timely acquisition of the remaining 60% stake in CapitaGreen.

INTEREST in luxury homes typically picks up once they are completed as well-heeled buyers can personally inspect the design and quality of the project.

SETIA ALAM (March 4): Banks are not expected to loosen their lending policy in the next three years although the country's loan approval rate in 2016 was at a historical low, said Smart Financing CEO Gary Chua.

SETIA ALAM (March 4): Stratified property is a good option for investment but investors should do their homework and be a responsible owner if they want to ensure investment returns, said Exastrata Solutions Sdn Bhd chief real estate consultant Adzman Shah Mohd Ariffin.