Saturday, June 7, 2014

Tongkonan - Pride of Toraja



Tongkonan, perhaps is the most unique traditional house in the South East Asia (In my opinion, of course). The design belong the Toraja tribe, a Bugis native at Sulawesi island. Toraja name is derived from "To Riaja" literally means, highlander in Bugis language - most probably because Torajans are traditionally residing at the hilly and mountainous land at Southern Sulawesi. Like many natives group of East Indonesia, the Toraja were head-hunters and participants in inter-village raids; villages were thus located strategically on hill tops and were heavily fortified. The dutch colonial who saw these pagan Torajan as a potential Christian compared to other Bugis tribes of the lowland who already embraced Islam like Makassar, Mandar and Luwu, forced the tribe to move to the valleys for pacification and easier management. However, there were still significant numbers of Tongkonan remains with their ancestral religion, "Alu to Dulu" (literally means "Way of the Past").



There are three types of tongkonan which are classified according to their function in society. A tongkonan layuk ('grand tongkonan') or tongkonan pesio' aluk ('aluk maker') is the original ancestral home in which the aluk of a particular adat territory were established. The Grand Tongkonan is the seat of a kinship grouping that traces its descent from a single founding couple. It is the house of the highest authority and it is used as the center of government.[citation needed] Tongkonan according to its literal translation, is the place 'to sit' and it is the traditional centre of governance. Customarily people would assemble to sit in a place of historical significance to discuss and resolve matters of communal import. This site would be the seat of residence of the most respected member of the community. This home would thus be developed into a grand building.

The second type is tongkonan pekamberan, or tongkonan pekaindoran which belongs to the family group members and offspring of the founder. It is their duty to carry out local traditions (known as adat). The last one is tongkonan batu, which belongs to the ordinary family members. Traditionally, only the nobility could afford to build large tongkonan and the elaborate ceremonies associated with them.

Ordinary residences, known as banua are smaller, less decorated homes versions of tongkonan, through which families’ descent would also be traced. Generally speaking their occupants would be families of lower social status, families that once constituted part of a greater family’s fiefdom. These homes may also be converted into tongkonan after several generations of the same line have lived in them and after suitable rites have been carried out, but due to prohibitive costs, this has traditionally been rare. The former exclusivity of the tongkonan is also diminishing as many Toraja commoners find employment in other parts of Indonesia and remit funds back to their families, enabling in some cases the construction of larger Tongkonan by commoners.

According to the Torajan legends, the first Tongkonan was built in heaven by Puang Matua, the Creator. It was built on four poles and the roof was made of Indian cloth. When the first Torajan ancestor descended to earth, he imitated the heavenly house and held a big ceremony. Another story from Torajan is that their ancestor was seafarer. They arrive from the north by a large boat but caught in a fierce storm. Their boats were so badly damaged that they later used them as roofs for their new houses. This legend is more likely to be relevant. Despite distinguish in design, tongkonan and the Minang's Gadang house share mutual motive of buffalo's horn roof. Minang and the rest of Sumatran Malay are well known to have "merantau" custom in which the boys will start their journey to find new land upon reaching puberty. The ancestor of Toraja people should have been one of these perantau in the past. Like Toraja, Minang peoples including Batak and Mandailing practised animism until 17th century when one of three Raja Tigo Nan Selo accepted Islam in Sumpur Kudus.


The tongkonan is traditionally seen as the navel of the universe and a miniature cosmos; and in those some regions, it is the meeting place of the north-south and east-west axes. It faces north, to the “head of the sky” where Puang Matua resides. The alang, or rice granaries, across the yard, face south or the posterior, as this is the direction from which trouble and disease exit. In some regions, the house is entered via a door on the northern end of the east wall, and in others, at the western end of the north wall. A person, thus, walks towards the southwest or southeast as they enter. The tongkonan is vertically divided into three levels: the attic where the regalia and family heirlooms are kept; the living area; and the space under the floor where domesticated animals are kept. These compare with the upper world, the middle world, and the under world.

A large tongkonan can take a crew of ten about three months to build and another month to carve and paint the outside walls. Bamboo scaffold is erected for the duration of the construction phase. Traditionally tongue and groove joinery has been used without the need for nails. A number of components are pre-fabricated with final assembly in-situ. Although built on a log-cabin style sub-structure, tongkonan are set on large vertical wooden piles with mortises cut into their ends to grasp the horizontal tie beams. The tops of the piles are notched for the longitudinal and transverse beams that support the upper structure. The remainder of the sub-structure is assembled in-situ. The transverse beams are fitted into the notched piles, and then notched to fit the longitudinal beams. Side panels, which are often decorated, are then formed on these main horizontal beams. The distinctive curved roof shape is obtained through a series of vertical hanging spars supporting upwardly angled beams. A vertical free-standing pole supports that portion of the ridge pole extending beyond the ridge purlin. Bamboo staves bound with rattan are assembled transversely in layers and tied longitudinally to the rafters forming the roof. The under roofing is of bamboo culm. Wooden boards laid over thick hardwood joists form the floors. Nowadays, zinc roofing sheets and nails are increasingly used.

In larger Tana Toraja villages, houses are arranged in a row, side by side, with their roofs on a north-south alignment with the front gable facing north. Opposite each house is the family's rice barn, or alang customarily a symbol of family wealth, and together they form a second row of parallel buildings. Houses of the Mamasa Toraja, however, are orientated to the direction of the river with their rice barns aligned perpendicular to the house.

Wednesday, May 14, 2014

Can Your Credit Report Affect Your Loan?

By iMoney Research Team

The importance of a maintaining a healthy credit score often eludes young professionals who have just joined the workforce – an importance they will come to realise the hard way when their application for a personal, car or home loan are rejected.

For those who have been rejected by financial institutions when applying for a loan, the reason is most likely a poor credit rating or score.


Understanding credit report

In Malaysia, Bank Negara Malaysia (BNM) maintains a computerised database of credit reports which contains credit scores. This database system is known as the Central Credit Reference Information System (CCRIS).

According to BNM, at present, the database system contains credit information on about nine million borrowers in Malaysia. CCRIS receives credit dates from various financial institutions and generates individual credit reports, which are made available to financial institutions, individuals and even companies upon request.

A credit report contains the following credit information of an individual:

Outstanding credit(s) – excluding any accounts which have been fully settled.
Special attention account(s) – Non-performing loans, loans that are in default or close to being in default.
Application(s) for credit – Applications approved in the previous 12 months, excluding application that have been rejected, deleted or cancelled.



How does credit report affect loan application?

Financial institutions refer to your credit report to determine your repayment capabilities before approving a loan application. However, in order for the lender or bank to access your credit report, it first has to inform you in writing that a credit check is to be conducted.

Once the application has been approved, the bank will send information to the Credit Bureau which details, in the form of a credit report, how well you handled your debt. Reference to the credit report will be made by the financial institutions periodically to obtain updates on an existing borrower.

If you are doubtful of the credibility of credit reports, the information contained these reports are entirely factual and historical. The Credit Bureau will not in any way give recommendations or opinions based on the report to financial institutions.

Different banks have different policies when it comes to loan or credit card approvals. They may place varying importance on different information detailed in this report. However, it is known that the approval of a loan application will largely depend on the risk evaluation conducted by the bank, based on the information in the borrower’s credit report.

The information stored in CCRIS also includes any new loan applications. Hence, it is safe to say that your banks are fully aware of how many banks you have already approached prior to applying for a financial credit from them. This may not affect your credit rating, but may send a negative signal to some banks.



Keeping a clean record

With full disclosure of your housing loans, car loans, credit cards, personal loans, as well as other commitments jointly made with friends or family members, it is important to keep a clean record to avoid any obstacles in applying for financial credit in the future.

While each bank assesses your credit score differently, your credit report will provide crucial information that determines whether your application is approved or rejected by the banks. Therefore, it is important to keep your credit rating in mind when you are managing your money and debts.

Here are some simple ways to ensure a clean credit record:

1. Get a job - Having a stable stream of income indicates your ability to service a loan or manage your credit card.

2. Avoid holding too many credit cards and maintain good payment record – Apart from limiting the number of credit cards you hold, manage the repayment of all outstanding balances on your credit card. You can consider consolidating your credit card debts on one card.

3. Timely payment - Repayment history is a major factor in the lenders’ risk evaluation on a borrower. Do not drag or defer your repayments as it will affect your future loan or credit card applications.

4. Manage your debt - Always borrow according to your capacity. As your credit report encompasses all your active loans, banks are aware of your outstanding borrowings. If you have used up all your borrowing capacity, then your loan will most probably be rejected.



What if you have a bad credit report?

Raising your credit score is not complicated, but it does take time, discipline and hard work. These steps can help get your credit score up to improve your chances of qualifying for a mortgage:

1. Check your credit report regularly. You are allowed to check your credit report every three months. Correct any errors on your report, especially late payments that are not recorded properly. Here’s how you can obtain your personal credit report.

2. Make all your payments on time. Late payments are the first thing that lowers your credit score.

3. Pay down revolving debt like credit cards. A high debt-to-credit ratio is another sure-fire way to lower your score.

4. Wait it out. As your credit report only records active loan accounts for the past 12 months, you just have to wait it out. As long as you’re paying down debt and making payments on time, your credit score will eventually rise on its own.

The above are generally good financial habits to inculcate from the beginning. However, if you have a bad record now, it is not the end of the world. While your credit rating can make or break your life (for the moment), it isn't something to fear.

When you understand how to manage your credit responsibly, you will eventually build up a solid credit report and save yourself a lot of trouble, and sometimes even money from lower interest rates offered by banks.



Saturday, May 3, 2014

Bumbung, Malay Traditional Roof (Pictures)

As per promised in the previous post, here are the sketch to help you visualize the different type of the Malay traditional roof or Bumbung. I almost forget about it due to my current busy lifestyle restricted me from blogging more often. Feel free to use the following image but please be gentlemen and gentlewomen should you want to republish them anywhere, give credit to this blog and do not ever claim it to be yours. Okay? So, here are they.


1. Bumbung Perabung Panjang (Lipat Kajang)

2. Bumbung Perabung Panjang (Lipat Pandan)

3. Bumbung Tebar Layar

4. Bumbung Perabung Lima

5. Bumbung Limas

6. Bumbung Lentik

In case if you missed my previous post where I explain in detail on each type of this bumbung, you can always read it from this link.
Thank you for your interest.

Monday, April 28, 2014

Buying Home: Booking Fees

Can the developer confiscate your booking fee?
by Chang Kim Loong, Star Property.my

I found my dream house. The developer’s office said the project was selling like hot cakes. Sales were on a first come first serve basis’ and I must pay a deposit otherwise she would have to give it to someone else. Or was it a booking fee she called it?

I begged her to give me one week. Three days, she said. How very sweet and understanding of her. Bank loan? No problem… 85% loan margin? No problem, she assured me. If I could not get a housing loan I could always cancel and get my money back. I left the developer’s office feeling on top of the world. I had secured my dream house by paying the deposit. My dream turned into a nightmare when I could not get a bank loan. I had no choice but to forgo the house.

As if letting go of my dream was not bad enough, the developer now refuses to give me back my deposit. The lady said her hands were tight because it’s a management decision. It was not stated in the option letter’ or booking form’ that my purchase was subject to the loan approval. On reading the terms and conditions in the option letter/booking form, I now realised that all terms were inclined in favour of the developer.

What do I do? I just want my money back. I don’t mind if they keep a small sum for cost of paper work and for administrative purposes.

The above scenario is not at all uncommon.

Many house buyers are unaware of lending guidelines requiring loans to be tagged to net income as opposed to gross income. Many find that they are unable to obtain the financing they want and have to withdraw from an intended purchase before the sale and purchase agreement is even signed. The developer then refuses to refund the deposit or booking fee or whatever other payment which may have already been paid.

The unfortunate part about this whole thing is that house buyers do not have the luxury of a learning curve in which they can acquire the necessary skills to avoid getting themselves into trouble. Very often by the time they realised that they have made a mistake, it is already too late and the result can be traumatic and financially crippling.

This very noble and seemingly simple undertaking of buying a house, in a lot of cases, have gone terribly wrong.

Can developers collect booking fee or deposit?

The sale and purchase agreement (Schedule G, H, I or J) as prescribed by the Housing Development (Control and Licensing) Regulations, 1989 (the Housing Regulations) provides very clearly how the purchase price is to be paid. The first 10% is payable immediately upon the signing of the sale and purchase agreement (SPA), not before.

No collection of any payment is allowed before the SPA is signed. Deposit, booking fee, advance payment, administration charges are just some of terms used by some devious developers in their vain attempts to circumvent or contract out of the Housing Regulations and to confuse, mislead and convince nave house buyers especially the first-timers.

Collection of any payment by a housing developer before the signing of the SPA is an offence. This is very clear under the Housing Regulations and it does not matter what the developer calls it.

The Housing Regulation 11(2) stated: “No housing developer shall collect any payment by whatever name called except as prescribed by the contract of sale”. (In this context’ contract of sale means the SPA)

Commission of such an offence under the Housing Regulations means that the developer in question can be prosecuted, fined and/or even imprisoned under Regulations 13. Even those persons who knowingly and willfully aids, abets, counsel, procures or commands the commission of such an offence shall be liable to be punished.

Prosecution, however, is in the hands of the public prosecutor whose action or non-action the house buyers are not able to dictate. House buyers and indeed the general public are of course at liberty to lodge a complaint against any developer in breach of any housing laws. Such complaints can be lodged with the Enforcement Division of the Ministry of Housing and Local Government: www.kpkt.gov.my

The law as regards non-payment before the signing of the SPA is very clear and house buyers are strongly urged to understand the law and not be misled by some cunning, unscrupulous developers or their smooth talking sales representatives who either do not know the law or simply do not care about the law.

Profit orientated developers care about nothing but profit. The more they sell the more they gain. They engage marketing commission agents and sales representatives whose only mission is to sell. In their quest to sell their products, some unprincipled commission agents (secondary markets included), who are untruthful will not hesitate to mislead, conveniently telling “white lies” and make empty promises to make a quick buck. Some are so well trained in the art of selling they can probably sell sand to the man in the desert.

Ever wondered why the sales office told you there are only five units left but three months later there are more than 10 units still available? Did the developer’s office tell you the unit you want is already booked but called you two days later to congratulate you because the same unit has just become available? Ever gone to a developer’s office in the hope of getting the “Early Bird Discount” advertised the day before only to find that the project was launched more than a year ago?

Filing a claim for refund

Free gifts, rebates, and waivers of this or that are also fairly commonly seen and are often stated to be for a limited time only. House buyers hurry to meet the deadline. Three months later the same advertisement appears, again for a limited time only or perhaps extended due to popular demand. Gimmicks of “Free legal fees” offer but you must use the developer’s panel lawyers are commonly marketed.

The list of marketing ploys used by developers and their marketing alliance goes on and unscrupulous developers and real estate agents are not likely to stop trying to exploit vulnerable house buyers any time soon. House buyers must therefore be very wary and not be easily swayed by promises made by the developer’s office.

House buyers who are already caught in tussles with housing developers over refund of booking fee or deposit are at liberty to file their claims at the Tribunal for Homebuyer Claims (the Housing Tribunal). The Housing Tribunal was set up as an alternative forum for house buyers to save them the costs and hassle of fighting with housing developers in the civil courts.

The filing fee is only RM10; no lawyers are required and hearings are normally fixed within a month. The Housing Tribunal is empowered to hear disputes between house buyers and licensed housing developers even though the SPA is yet to be signed but the claims must be filed within the time frames provided under section 16N of the Housing Development (Control & Licensing) Act 1966 (the HDA). Check out the link: www.kpkt.gov.my TTPR

Can the developer forfeit such payment?

Where booking fee or deposit or any other payment is collected by the developer before the SPA is signed, the house buyer would normally have been asked to sign a document indicating the house/apartment/condominium he/she is interested and agreeing to sign the SPA within a certain time frame, say 7 or 10 days or upon notice from the developer. This document may be in the form of an option letter, letter of offer, sales proforma, booking form or another document by whatever name the developer chooses to call it, all in an attempt to disguise a collection prohibited by law.

The amount varies and in some cases it is as much as 2% of the purchase price RM10,000 for a RM500,000 house. When the house buyer decides to withdraw from the intended purchase, the developer refuses to refund the deposit, or was it booking fee, or was it …?

Chang Kim Loong is the honorary secretary-general of the National House Buyers Association: www.hba.org.my, a non-profit, non-governmental organisation manned by volunteers. He is also a NGO councillor at the Subang Jaya Municipality Council.

Monday, April 21, 2014

Make Sure Your Developer is Licensed

Plight of kampung land owners
by Chang Kim Loong, Star Property.my

ABOUT two years ago, an English daily highlighted the plight of land owners who had entered into joint ventures with unlicensed developers to build houses on their (home owners’) land.

Most of these deals involved land in the kampung (or villages). When these partnerships turned soured and were subsequently highlighted in the press, the Housing Ministry warned it was going to catch these businessmen, most of whom were small-time developers out to make a quick buck.

However, until today, no action seems to have been taken on these errant developers while the victims continue in their miseries and financial nightmares due to abandoned projects and botched joint ventures.

The Housing Ministry had warned that it was going to catch many businessmen, even small-time ones, as it was going to make it a requirement that all those who wished to develop a housing estate of only five houses should get a developer’s licence.

The Ministry seems rather proud of its wide-ranging powers and had a swooping determination (to weed out these unlicensed developers). It is really unfortunate nothing seems to have come out of that incident.

Swarms of entrepreneurs of the kampung variety, and some city slickers too, had invaded the countryside, and signed on owners of kampung land on the promise of turning them (the land owners) into developers. The wish was to turn idle kampung land into properly-built houses to sell to kampung people, usually by having joint ventures with the land owners.

“Give me your land to develop and I will give you X number of houses, and I shall take Y number of houses for my troubles; no cost to you, no hassles with government servants, no bank loans; no worries at all.” The current deal is 30:70; 30 % for the land proprietor and 70% for the housing developer.

Tricks of the trade

Kampung people as usual were wary; they were not going to buy till the project had got under way, and the proof to them was to give at least a house to the land owner and an enormous upfront deposit as the most convincing evidence of the developer’s sincerity. Perhaps, an upfront RM500,000 would be an ideal bait.

Firstly, said the developer, he needed the money to start building the land owners’ houses so it was not difficult to persuade them to charge their lands for the purpose. The other houses will have to wait including mine, said the developer most sweetly: no risk there you see, the land is still yours.

The developer then left for the city to apply for his licence which required the payment of a deposit to the Housing Ministry, and, of course, there were other payments to be made to various parties in the Government and arrangements had to be made with a construction company; all of which helped to collect the loan money from the land-owner-chargor.

However, the developer has not been heard from for some time now. The land owner/ would-be kampung entrepreneur/chargor went to the Housing Ministry to complain and demanded action to be taken and he was confident this will be done. You see, he knows the wakil rakyat.

Alas, said the legal officer to the kampong man: “So sorry, you had dealt with a person who has no license to be a developer. Under the law, we have no powers to prosecute an unlicensed developer who has abandoned the project.”

“Take action against him (the housing developer) for not having a licence; he has done all that a developer does including (entering into) contracts with intending purchasers and collecting deposits from them. There are at least 10 of them,” said the kampung man.

It is said, “the law is an ass” or that seems how we have made it out to be.

What the Housing Ministry’s legal officer could not bring himself to say is that the legal officers had tied their own hands by adopting a strange, restrictive reading of the law that to qualify as a housing developer, he should have undertaken to build and actually sell, at least, five houses, and to the legal officers it meant producing at least that number of house buyers to testify that they had indeed bought houses from a bogus housing developer!

The sale and purchase agreements and other documentary evidence and the evidence even of the developer’s own staff do not constitute evidence; the developer must plead guilty or there must be at least five buyers coming forward to give evidence; till then there is going to be no legal action against the bogus housing developer.

A request made by the Housing Ministry to the Bar Council for its advice on the professional liability of solicitors who act for unlicensed developers, sent more than a year ago, is still under consideration. At the latest count, there were at least 115 law firms, according to the records of the Housing Ministry, who did not seem to care to find out if their developer-clients were licensed or not.

The irony is it does not seem to matter whether the developer is licensed or not; they all abandon their projects with impunity.

Sadly, most of the lands in the rural areas are Malay Reserve Land which come under greater protection from the state but the banks are now gearing up to foreclose the only wealth the would-be kampung entrepreneur ever had, and had intended to bequeath to his children the way he had inherited it, coming from nenek moyang days.

Cry of the naive victims

Now, where do we go from here when the very people who initiated the housing laws shun their responsibilities? Shouldn’t buyers from unlicensed housing developers have the same protection as those buying from licensed ones? Where are the rescue plans for the naive victims of these Malay Reserve Land? Mind you, there are mostly current and retired civil servants.

Note: It has been two years since the list of the unlicensed housing developers has been unearthed.

Chang Kim Loong is the honorary secretary-general of the National House Buyers Association (www.hba.org.my), a non-profit, non-governmental organisation (NGO) manned by volunteers. He is also a NGO Councillor at the Subang Jaya Municipality Council.

Saturday, March 22, 2014

Kebenaran Merancang (Planning Permission)

When UEM Sunrise, IJM, UM Land, Sime Darby, PKNS or any developers in Malaysia intend to develop an area for a new township, even at their own land, they will start by applying for a planning approval. According to the Urban and Rural Planning Act (Act 172: Akta Perancangan Bandar dan Desa 1972), any individual or company is required to obtain planning approval or Kebenaran Merancang (KM) from the local authority prior to any new development. Therefore, before Sime Darby can turn Bukit Chermin and into Putra Height, they had to get through Majlis Perbandaran Subang Jaya (MPSJ). Before Prasarana Berhad can erect the viaduct for the extension of their Light Rail Transit (LRT) or dug the tunnels for the Mass Rapid Transit (MRT), they had to get through all the authorities of all the involving area - Dewan Bandaraya Kuala Lumpur (DBKL), Majlis Bandaraya Petaling Jaya (MBPJ), Majlis Perbandaran Ampang Jaya (MPAJ), Majlis Bandaraya Shah Alam (MBSA) and so on. No construction can commence without Planning Approval from the respective authority.

Planning Permission allows the respective party, under supervision and authority of the local government, to conduct development works according to the plan and condition of which will decide including but not limited to proposed width and level of road and street, proposed height level, design, function, space, density and plot ratio of residential or commercial unit and other type of buildings, other proposal of land use, utilities provision for recreational space, community centre, school and other facilities required, and other condition for orderly development. The objective of planning approval is to ensure that all development and land use by any developers is conducted properly without initiating pollution, disturbance, traffic congestion, increase of infrastructural burden, decrease of value and amenities, floods or any other unwanted problem to the neighborhood and the community including social and economical issues.

The procedure and duration for application for KM is different from one municipality to another. Sometimes, even two municipal in one states can have different operation in processing application. However I believe the core of the application process would be in similar form in anyway. In Malaysia, bureaucracy always be the most annoying thing while dealing the government officers. All the government great plan  usually turn out hard to implement due to red tape from their staff. Currently I'm still learning the procedures for KM and will come back to you once I can understand the surface and underground stream flows.



Saturday, March 15, 2014

PR1MA - One Malaysia Peoples’ Housing

Most of you must already familiar with the government's PR1MA branded housing. I bet thousands of you have already enrolled into this scheme since PR1MA Corporation established under PR1MA (1Malaysia Peoples’ Housing) Act 2012.

PR1MA objective is to plan, develop, build and offer modern and high quality houses for middle income urban citizen. PR1MA housing is located within community area with various types and sizes. The cost to own a PR1MA house is anticipated to be around RM100,000 to RM400,000, a very reasonable price for middle income family.

As to date, at least 9 PR1MA housing will be build within Klang Valley. 3 will be build at Johor, and another 8 are at other states, including 3 at Sabah. The following are the list of the PR1MA housing.
  1. Alam Damai, Cheras
  2. Brickfields, Kuala Lumpur
  3. Bukit Jalil, Kuala Lumpur
  4. Jalan Bukit, Kajang, Selangor
  5. Jalan Jubilee, Bukit Bintang, Kuala Lumpur
  6. Pandan Indah, Selangor
  7. Pandan Jaya, Selangor
  8. Seremban Sentral, Negeri Sembilan
  9. Seremban Utara, Negeri Sembilan
  10. Setapak, Kuala Lumpur
  11. Taman Bukit Cheras, Cheras, Kuala Lumpur
  12. Taman Cempaka, Selangor
  13. Bandar Layangkasa, Johor Bahru
  14. Jalan Saujana, Mukim Plentong, Johor
  15. Tebrau, Johor
  16. Bayan Lepas, Pulau Pinang
  17. Bukit Gelugor, Pulau Pinang
  18. Slim River, Perak
  19. Sungai Petani, Kedah
  20. Bunut Rendang, Kuantan
  21. Borneo Cove, Sabah
  22. Inanam, Kota Kinabalu, Sabah
  23. Sandakan City Centre, Sandakan, Sabah


To apply for PR1MA, a person and his/her spouse must be:
  • Malaysian citizen
  • Single or married
  • At least 21 years old on the application date
  • Gross household income must fall within RM2,500 toRM7,500
  • Applicant and/or spouse not have more than one existing property


Eligible applicants must apply for the balloting of the homes through the PR1MA registration system via www.pr1ma.my. Applicants are also required to submit the relevant documents for screening purposes.

End financing for the homes are to be arranged by the successful applicants themselves. There is a 10-year moratorium, whereby the properties cannot be sold or transferred to another party. The homes must be owner-occupied and no subletting would be allowed.

For lower middle income individual, PR1MA is without doubt a great opportunity for you to own house at a discounted price. The only downside of it is most of the proposed development are stratified apartments. Only few are landed houses, including the recently launched PR1MA at Sungai Petani, Kedah. However it is up to you to decide based on your household budget and future plan.

I wish you all the best.

Saturday, March 8, 2014

Greater KL and Smart City Conference 2014

In the 10th Malaysian Plan (10 MP 2011-2015), Kuala Lumpur ranked 79 out of 130 cities under the Economist Intelligence Unit survey on livability. Major plans have been identified under the (NKRAs) to address this, particularly on combating crime and improving urban public transport. Livability, however, encompasses a broader concept, and initiatives to create attractive public spaces, nurture a uniquely internationally relevant arts and culture scene, and provide a rich mix of leisure activities will create a distinctive urban character for the Greater Kuala Lumpur

As the capital and commercial heart of the country, the Greater Kuala Lumpur (KL)/Klang Valley NKEA represent a crucial component in the plan to transform Malaysia into a high-income nation by 2020. The overall aim is to transform the region into a world-class metropolis that will boast top standards in every area from business infrastructure to liveability.

ASLI ‘s Greater KL & Smart City 2014 will be updating executive delegates the selected key areas that are expanding for its future completion in 2020. This one day forum will be combining the big mind and powers that has been the pulse of development of the greater KL now, before and in the future.





Saturday, March 1, 2014

Limaspuri - Johore Architectural Heritage Reborn

Just short introduction for our friend from outside Nusantara. Johore is the southernmost state in Peninsular Malaysia, and is located between the 1°20"N and 2°35"N latitudes. Historically, it is the last kingdom from Srivijaya and Malacca linage that survive the colonial era, and the only nation in South East Asia, other than Rama Kingdom of Thailand that is always independent from any European occupation. In the past, its territory comprises most part of Sumatra and Malay Peninsular including Singapore and most of the islands at South China Sea. Its rich culture is made up of harmonious blend of various tradition from all place in Nusantara. Limas house is one of the many heritage of Johore. To learn about Limas House, you might want to read my older post on it. (Read it here).

For all peoples who had visited Johore several years back might be lucky to be able to see a replica of a Johore Malay Village located at Danga Bay, Johore Bahru. There were several pretty and unique traditional Limas houses in a kind of village setting, with a little shop, reflexology place, restaurant with a beautiful veranda and many more. The site can be spotted no more. It had been pulled down to ground to give way for a more expensive commercial development. Even I had no chance of seeing it. Realizing the missing of a place symbolising Johor’s Malay heritages at the heart of Johore capital, an effort had been made through a collaboration of the State Government of Johor and her subsidiary Cahaya Jauhar, with expertise of Universiti Teknologi Malaysia's Malay World Research Centre or Pusat Kajian Alam Melayu (KALAM) to build a new village of Malay Limas Houses. The project is called Limaspuri Melayu Johor.


Originally, Limaspuri was proposed to be build at Danga Bay near the old Limas villages site but then, it was given a bigger location at Linear Park (Qiblat Axis), Nusajaya near the state's new administrative centre, Kota Iskandar and Malaysian Legoland themepark. At least ten Johore Limas houses will be build based on the KALAM research on the existing traditional house in Johore. The project was scheduled to be launched during the Visit Johor Year 2015 and ready for opening by 2016. When it is completed, Limaspuri will has a gallery complete with a theatrette, exclusive Johore restaurant, hall and surau. It will embody the state's rich, varied and intricate artistic heritage, evident in everything from elaborately carved Malay motifs, exceptional woodwork and the exquisite expressions of master artisans and landscaping that harmoniously blends nature with man-made ingenuity.

The Limaspuri Melayu Johor is part experiential showcase, part edutainment hub and part theme park, a place where the past, present and future converge to inspire hearts, minds and spirits. There will be lot of fun activities to be done at each Limas house, and beside the Malay architectural amazes, visitors can also learn on the other aspect in Malay culture such as Silat, Malay cuisine, games, medicines, arts and artifacts.

For more information on Limaspuri Melayu Johore, updates, events and promotion, go to the official website at www.limaspuri.com

In another occassion, please take a moment of silence to recite al-Fatihah for the late Dato Wan Abdullah bin Wan Ibrahim, CEO/Managing Director of UEM Sunrise who passed away on the last 26th February 2014, two weeks post his last umrah trip. Dato Wan had been on sick leave since last December 2013.

For anyone who has nothing better to do today, please be invited to Nusajaya Affordable House Pre Launching at SMK Gelang Patah. Check out the tentative at my previous post

Saturday, February 22, 2014

UEM Sunrise Affordable House at Nusajaya, Johor

Following the good news we get earlier this month (refer here and here, UEM Sunrise is going to launch her affordable housing on March 1st, 2014. Quoted from The Star, UEM Sunrise's Dato Izzadin was saying that the house price would be between RM150,000 and RM200,000. The proposed housing is located within Iskandar Malaysia, specifically at Gerbang Nusajaya - a prospectful 4,500-acre (1,800ha) city of possibilities featuring various catalytic projects.

Gerbang Nusajaya or Nusajaya Gateway is planned to be the gateway to economic opportunities and a high quality of life. The project has to-date confirmed three international collaborations - 519 acres Nusajaya Tech Park with Ascendas Group, 295 acres FASTrack Iskandar with FASTrack Autosports Pte Ltd, and 1.4-million sq ft mall Asian Trade Centre with Chinamall Holdings Pte Ltd. To learn more about future development at Gerbang Nusajaya, visit Nusajaya City official website at www.nusajayacity.com although I doubt if they ever updated the site.



The project pre-launching ceremony will be held at SK Gelang Patah on March 1st, 2014. Registration booth will be opened from 10:00 to 16:30, and all prospective owners are invited to the ceremony, for registration of interest or inquiries. A lot of activities also will be held for Johorean family, and Johor Menteri Besar Dato Khaled Nordin is scheduled to be there too.

For more information on the event, see the poster. Don't forget to invite all your friend and relatives.


I will be there too.