Denzity Insights Transcript: A Guide To The Malaysia Real Estate Market with Amos Lim

A Guide To The Malaysia Real Estate Market with Amos Lim

Connect with Amos Jeremiah:

WhatsApp: +60107077333

Facebook: Dreamvest Property Market Johor

E-mail: [email protected]

Website: www.dvpropertylisting.com

Malaysia has been a preferred retirement destination for people around the world, mostly because of its diverse culture and tropical climate. But can all foreign nationals own a property in Malaysia? 

Today’s video with Amos is not only about the Malaysian property market, but it also gives us a clear picture of the country’s geographical state, lifestyle and the renowned MM2H program.

  • How is the Malaysia real estate market categorized?
  • What aspects should you look into while investing in a property in Malaysia?
  • Which areas are being promoted by the government?
  • Are you eligible for the MM2H program? What does it do and why do you need it?
  • How does Malaysia’s leasing market work?

As it can be difficult to catch some minor errors, transcripts may contain a few typos or inaccuracies.

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Alright, let’s get back to the transcript of the show. Enjoy!

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Darren: Hey Amos, welcome to the show.

Amos: Hey, Darren, thanks for inviting me to your show.

Darren: Mmhmm. It’s kind of exciting because as we have had a chat before this, it’s that I met you through a friend of a friend, and your friends also in Malaysia doing the real estate market, commercial and other aspects. And then for myself, I haven’t been in Malaysia for a long, long time, I think for more than a decade. A lot of people— my friends always keeps saying that Malaysia’s real estate market is booming. There’s a lot of opportunities there. So I really want to talk to you to know more about it, and it’s something that the audience should be aware of when it comes to investing in real estate in Malaysia. So, before that, right, would you mind giving the audience a little bit about yourself, and then your work?

Amos: All right. Thanks, Darren. My name is Amos Jeremiah, and you can call me Amos, AJ Lim. Okay, I’m currently a Probationary Estate Agent in Dreamvest Realty. And what is a probationary estate agent I would like to explain first. So, in Malaysia, if you want to get a real estate agent license, it’s actually a five years process. The whole property market is governed by The Board Valuers and Appraisers of Estate Agents, which we call the Bovaea. So in order to get in as a Real Estate Agent, you need to pass 12 subjects for the first two years to get your diploma in property essay, and then a two years process to write down the activities that you do as an agent. And the final years, we will get to interview with The Board to get our license. Okay, so now I’m in the midst of the process. I’ve done my diploma in real estate and I’m doing my Probationary Estate Agent at Dreamvest. So here in Dreamvest, we actually provide services in Malaysia— we call it A to Z. So how do we see A to Z? From analyzing and giving you the right data to analyze the property and to purchase the rent and or, purchase property and the insurance of your property, and we manage and rent your investment. So basically we guide you from A to Z in your property investment journey. Okay, so besides being an agent, I’m also involved in other companies that are doing Corporate Planning, and also Business Advisory. So basically today in Denzity, I’m not going to just talk about the property market. I’m actually going to talk about how to register your company here in Malaysia. How to register yourself in Malaysia second home program, we call it MM2H (Malaysia 2nd Home). And also we will talk about the property market here.

Darren: That’s great, because that’s something that I think is tied together, right? Because some people might need to incorporate a company to hold the assets. So I think what you are offering right now is a better deal of service too. And it’s pretty interesting too. So five years is a progress to get a license. That’s kind of like going to school again, right? So do you practice and go to school at the same time? Or is it more like you have to be in the industry for five years in order to get a license?

Amos: Oh, yes, you have to go. You have to go for your diploma. And most of the agents, the real estate agents, there’s two licenses actually, one is the real estate negotiator. The real estate negotiator only requires three days of training. They pay a fee, and enroll in and you can be a negotiator in three days time. But if you want to get a license, which means that you can hire 50 agents. So that is like you get a business license. You can open your real estate agency. So it’s a different thing. Most of the agents here in Malaysia work as an agent, and they take the part time course and diplomas and night courses to get the license.

Darren: Wow. That’s a lot of work, but then the three days to be a Real Estate Negotiator, a lot of people would take 30 or 40 years to be a good negotiator in real estate, all jokes aside, but that’s pretty cool.

Amos: Oh well, to be an experienced negotiator, of course you need to take about 40 years, but you know, to get the basic rules and regulation that we need it is just governed by the board. So we have to go through the courses and be eligible to be a negotiator.

Darren: Oh, really? Okay. And also, is there a way to find out if the person is licensed or not? Is there a way to search?

Amos: Oh, yeah. Every every negotiator or every real estate agent will have a working pass from The Board. So upon completing your three-day course as a negotiator, you get a boarding pass. It’s like a working pass, but it’s from The Board. You get the Real Estate Negotiator number and the Real Estate Agent number.

Darren: Oh, yeah. That’s what I was going to ask. Is there a way to search online for people who are investing overseas and stuff like that?

Amos: Yes, usually all the agents will attach their negotiators numbers or agent numbers, yeah, and even hanging a banner in Malaysia, it actually requires a proper Real Estate Negotiator license so that you are allowed to put a banner or any type form of advertisement. So this way I would say that it’s pretty safe to invest in Malaysia as in the property market is governed properly by The Board. So all the rules and regulations I think yeah, no hanky panky, all clean business.

Darren: Yeah, I think after this comment I’m going to ask you how to find out if the agent is licensed or not, because that’s something that even for us, we really want to make sure our audiences know how to find out some bad actors or good actors across the globe, right. So that’s actually very helpful. And I want to go back a little bit about the Malaysian market; It’s something that I’m sure excited to know more about. So for some audience that might not know much about the different regions in Malaysia, would you mind briefly describing how the city is made up? And how are a few areas that oversea investors tend to invest in?

Amos: All right, Malaysia is basically divided into two main geographical regions. One is the West Malaysia, which is the Peninsula, Malaysia, and the other one is the Malaysian Borneo, which is the East Malaysia. So most of the main cities in Malaysia are located in Peninsula, Malaysia. So let’s say Penang. Penang is on the north of the Peninsula, which is right beside Thailand.

Okay, so I would say in Penang, the culture is more like Taiwan because they are speaking Hokien and speaking Mandarin. Okay, and then we go down to the city, the capital city of Malaysia, which is Kuala Lumpur. So I was I was rear facing in Kuala Lumpur. So Kuala Lumpur is the primary market, alright the most active market in Malaysia, okay. I am living in Johor Bahru, which is the south of Malaysia with the south of Peninsular Malaysia. It’s actually only 15 minutes away from Singapore. So at the East Malaysia, there is Sabah and Sarawak. Currently Sabah and Sarawak are developing really fast and a lot of foreign investors are looking towards Sabah, Sarawak as well. But I am raised in KL and my business is all in JB. So I think I will talk more about the Kuala Lumpur and Johor Bahru market for today.

Darren: That’s great because I think that as a Real Estate Agent, people don’t realize that you’re more than just an agent; you’re a tour guide, you’re someone who will be like “Okay, what street should you invest in in order to understand the culture. What area is good?” So the knowledge is very insightful when it comes to great details like which block and which streets people should look into. So I’m sure that you can obviously focus on your expertise so I really appreciate that. So you know, like I said before in the introduction, Malaysia real estate market has been very hot topic in a very few circles that I’m in. What’s the reason behind this trend and how do you think it will be evolved in the upcoming years?

Amos: Okay, so first of all, I will say that Malaysia is a very peaceful place to live in. Because first thing is that we are living in a multicultural place where we have multi-races here in Malaysia; we have the Malay, we have Chinese, we have Indians, and a lot of many other cultures. So in Malaysia, we can say that we have the most festive seasons. And you can find any cuisine here in Malaysia, which a lot of tourists like to come. And they can see huge varieties of different cultures here. So that’s the First point. And the second point is that Malaysia is a developing country. And we have plenty of land. And a lot of new developments have been moving so when it’s a developing country, it means that there is a lot of room to invest and to expand. So that’s probably the second point why people want to come to Malaysia. The third point I will say is that we are a tropical country. We have consistent weather throughout the whole year. Because I’m living in Puteri Harbour, Johor Bahru and there are a lot of Koreans, even Hong Kong people, Taiwanese, they’ve bought property here. So I’ve spoke to a lot of seniors in Korea, and asked them like, “Why do you choose Malaysia?” and a lot of them say that this is a very good place for retirement. They have consistent weather, it’s by the beach, every day is windy. So like a few Koreans actually gave me feedback when they are in Korea. So sometimes during winter time they have their bone achings and body pain. And after shifting here, they get the consistent weather and they feel really comfortable staying here.

Darren: That’s great, that’s great. I feel like when I’m in Hong Kong the weather’s not terrible, but then it sounds like I need a vacation. It sounds like I need to find somewhere in Malaysia, maybe have a sip of you know, cocktail and relax a little bit. So, you know, like Malaysia is a big place and a lot of people obviously think that like, you know, not every area is going to be great. So I was just wondering, right. Do you think some of the areas that you mentioned before about Malaysia, is a bit overrated and or overpriced?

Amos: Okay. Darren, I will say, in Malaysia, I mean, everywhere in the world, there are overrated projects, there are overrated properties. Okay, so it happens in KL, it happens in JB. But since I’m living here in JB in Puteri Harbour, I’m going to use Puteri Harbour as an example. For Puteri Harbour, it’s just you know, there are two links that link Singapore to Malaysia. So Puteri Harbour is located right at the second link. So the master plan in Puteri Harbour is great. The the public transport master plan is great, but it’s a new city here. So they are selling all the properties around 1000 ringgit per square feet, which is very cheap for any first world country but it’s a prestige for Malaysians. So how do you say overrated a lot of places with good master plans like Puteri Harbour, is only overrated for the time being. Like maybe in five to ten years time it’s going to be a highly dense, populated place because of the second link, which is very new. So I would say in general in Malaysia, the only overrated property happens when there are greedy developers. All right, the developers, they’ve been put in a lot of features, they try to market it at a very nice package and they give you cash back, instant cash back upon purchasing a property and you get a property with a value that is not supposed to be that expensive I would say. So first of all, we need to identify, how do we categorize an overpriced or overrated property. I would say that you purchase a property and you can rent it out, or you rent it out at a very low rate, where you face negative cash flow every month. That’s one reason why investors don’t want to get into purchasing a property because they are not able to rent it out. And it’s happening all over Malaysia. So, I would say that there are many things that we need to be careful with and do a proper analysis before we make a purchase of any property. And also the background of the developer. 

Darren: That’s a very good point that a lot of people keep forgetting. So in terms of like investors as I said before, people that might have moved there from Korea or Japan or Taiwan, Hong Kong and stuff like that. So how would you suggest differently for investors they are either planning to use it for themselves or investment only?

Amos: Okay, this is a good question I will categorize this for personal use and investment into two main market which is the primary market and the secondary market. If you are looking for investment purposes, you definitely look at the primary market. So, what is the primary market primary market is usually the city center like Kuala Lumpur, okay. So in Kuala Lumpur basically there are few hotspots where we can call it the primary market like the area beside KLCC (KLCC is the Petronas Twin Tower), it’s the nineth tallest building right now in the world.

Darren: The very famous one right?

Amos: Yeah, it’s a Twin Tower. Yeah. So, when we are looking into investment, we definitely want property with multiple rent options. It means that you have rent options to the tourists. You have rent option to the students, you have rent options to the locals. So basically we need multiple rent, when we need multiple rent, we need a place that is the primary market which is like KLCC, Bangsar or Mont Kiara. It’s all the hotspots for the foreigners and stuff. Yeah, so when it comes to long term use for your own use purposes I will suggest a secondary market. Secondary Market is usually further away from the city, but it’s still in Kuala Lumpur. It’s still in Selangor. I would say Selangor and Kuala Lumpur together because they are just right beside each other and the whole development in Kuala Lumpur for Malaysians— we categorize Selangor and Kuala Lumpur together all right. So in the secondary market, you will have more locals staying and you have nicer neighborhoods and nicer neighborhoods that are tailored for the locals and for personal use. So I will say that if you inquire in, I will give you the data and analysis of the differences between the primary sector and secondary sector and we can make decisions based on this.

Darren: Ah that’s pretty helpful because I didn’t know that before. And you mentioned before in the introduction that not only do you do property related— it’s something called, I heard when we checked before it’s called the Malaysian: My Second Home. What was that about? And does it apply to foreigners or only for locals and how does that affect or impact the real estate market?

Amos: Okay, MM2H, Malaysia Second home is a program promoted by the government to allow foreigners to get a social visa that can last for 10 years. Okay, so if you apply MM2H and you get a social visa, basically you can come into Malaysia multiple times, or you can stay in Malaysia for 10 years. Okay, so the things that I like about MM2H is that it disregards which country you came from, your race, your religion, okay, there is no restriction on any of this all right. But there are certain requirements that you need to have to be able to apply for this. So, let’s say for any countries, if you’re above 50 years old your FD needs to have a value of 350,000 ringgit worth of money in your fixed deposit. The second requirement is that you need to have a job that has a basic salary of at least 10,000 ringgit, okay and if you are 50 years old and below 50 years old, your fixed deposit needs to have 500,000 and at the same time your salary needs to have 10,000 ringgit minimum okay. But there are different scenarios. Like for example, Hong Kong. In Hong Kong the average income that we have the applicants have are usually 40k Hong Kong dollars and above their salary. Which diverts back to like 20,000 ringgit, okay. So if for example, you are from Hong Kong and your salary is around 10,000 ringgit, you are still not eligible to apply for MM2H because first of all, they don’t allow blue collar. And secondly, let’s say Hong Kong is a better standard country; it’s a country with better standards, so the standards for the the salary will be higher compared to some other country. But the basic and the lowest requirement that you need to have is the amount that I that I’ve said earlier for 50 years old and above and below 50 years old.

Darren: So does that mean that within having that MM2H, you can travel a lot back and forth, you can stay longer in Malaysia. Am I correct?

Amos: Yes, you can stay within the 10 years. You can stay 10 years if you’d like to.

Darren: Oh, okay, so it’s like, you’re not really getting the passport, but you’re getting a visa, a very long visa. But in order to be qualified, you have to be an income generating member in society. So I think that’s kind of cool. 

Amos: It’s renewable after 10 years. 

Darren: That’s a lot. That’s a long time.

Amos: The benefit with this is that people don’t have to give up their citizenship in their country. So it’s not a PR, it’s just a social visit pass.

Darren: Oh, that’s why you guys have that too. So that’s actually a pretty good service that you have together.

Amos: Yeah because if you were really to consider moving to Malaysia, of course, to buy a property in Malaysia, I would suggest that you have to apply yourself in MM2H first before you make any decision in investing. So the application process takes around nine months.

Darren: I see. That’s not too long. That’s okay. I know some visas take like years sometimes and it’s very annoying and stuff like that. So you know, with that saying right, what kind of tips and advice would you suggest for the audience besides MM2H. And is there anything that they should be aware of when it comes to investing in Malaysia’s real estate market?

Amos: Okay, for this point, I think that it’s not just on how to analyze it in Malaysia, I think throughout the whole world, it’s the same thing. First thing, we have to look at the master plan. The master plan means the development around the area, because that definitely affects the price in the long run. Okay, so secondly, it’s the public transport master plan, because that’s, for example, in KL, there are a lot of housing areas where there are a few units that is nearer to the public transport, and it’s a nearer walking distance. And in the long run, the property that is nearer to the public transport actually have a 5% to 10% increment of price compared to the same neighborhood, the same area, same housing area, right. So the public transport master plan is important. And third, we need to see if there is any budget allocated by the government. So there are a few hotspots in in Malaysia where the government is actually promoting and arranging a lot of events like New Year events, Chinese New Year events. Any events, they will put like firecrackers and stuff to keep the flow of people going to the place. So the allocation of budget from the government is very important. And then what is the economy drivers? Okay. So for example, the cities with Disneyland would definitely have an impact on the property price around them because they have more tourists. So, let’s say KLCC In Malaysia. If you buy properties around KLCC, if you know what you’re doing, you can flip them and earn money from it or you can do a lot of things from it. And the final one is, is there any job creation. Like there is a lot of cities in China, they are diverting the cities into IoT Hub. Okay, so same as Puteri Harbour, the place where I’m living, they are actually promoting a lot of Coworking space for IT students and IT R&B departments to participate for free. So those are the areas where they actually create more job creations. And the final one, of course, you need to know the background of a developer and the credibility of the developer before purchasing it.

Darren: Yeah just don’t find a greedy one.

Amos: Yeah don’t find the greedy one, that’s correct. 

Darren: That’s hard, that’s hard. I think a lot of people when it comes to Hong Kong, they keep thinking about, “Okay, the expert is important,” that means like the real estate agent, but they keep forgetting to do due diligence on the developer and a lot of people might realize that oh, the developer sometimes is more important because some developer under tourists are known to be greedy or scammy or shady and stuff like that. So it’s good that that you pointed out. So you know, just now we talked about buying right, a lot buying and selling side, how about leasing you know, what some key things that oversea investors might not know when it comes to Malaysia leasing markets in terms of like leasing terms or norms.

Amos: Okay in Malaysia, if the contract is within three years we call it a rental agreement. If it’s above three years then we call it a lease agreement. So the basic things in Malaysia is that if you want to rent or you want to lease a property, you have to prepare one month of the rental value— you pay one month for the current month. You pay two months as a security deposit and you pay half month for the utility deposit. So it’s standardized. Anyone that wants to rent or lease a property has to prepare 3.5 months of the value of the rent that you’re looking at. So if you are renting a property that costs 1000 ringgit you need to prepare 3500 ringgit for the initial. So that is if you want to lease or you want to rent. A rent contract usually goes one plus one, or two plus one or just one year. Leasing contracts are usually usually three plus three, or three plus three plus three means that you rent for nine years and it’s subject to adjust the price every three years. So that’s it. So, let’s say if you bought a property here in Malaysia, and you use our services to rent it out, so the real estate agencies usually charge 1.25 for commission as the fee, okay 1.25 as the fee for renting out your unit if it’s within three years, if it’s more than three years, then we will charge 1.5 in an SST sales and tax services.

Darren: I see. So it’s 1.25% of the three years total?

Amos: No, 1.25% of the rental. means that if the rental is 1000 ringgit, the fee is 1250.

Darren: Ah, but do you pay everything in one go or pay on like a monthly basis?

Amos: The fee is paid by the landlord. So when the landlord rents out, the landlord will have collected the 3.5. Right? Yeah. So from the 3.5, the land also gives 1.25. 

Darren: So it’s based on how much money that the person received, the landlord received. Then the commission to that when they received the money. I see that. Okay. That’s actually kind of interesting, because it sounds like the leasing term is a lot longer in Malaysia than a lot of different countries. So I used to, like, you know, I focus on UK, Japan a little bit, and then Hong Kong a little bit. And UK tends to be like one year, one and a half year, two years, and so was Japan, and so is Hong Kong, so three years visa is a really long time. So it’s kind of interesting. I’ve never heard of that before.

Amos: Usually the long term lease is more on the factory or land. If it’s only residential it usually be within three years, even though it was just a two plus one, so after two years they can decide to leave, or they can move forward.

Darren: Yeah, I see. So just talking about some areas in Malaysia, right, are there any kind of hip areas that attract a lot of the younger crowd, and that’s willing to pay more rent. In addition, right, what other few places  have a lot of commercial activities that we’re looking at?

Amos: That goes back to the primary market, which is KLCC area, Bangsar and Mont Kiara I will saw in Kuala Lumpur. Actually, for foreign investors, the best place is definitely Kuala Lumpur. It’s our capital city. Most of the activities and the things are happening there. So, for example, in Kuala Lumpur, definitely look back to KLCC area. Mont Kiara And bangsar. Yeah, that’s the three main primary market where a lot of commercial activities are happening and events going on.

Darren: Yeah, I see. So, you know, we covered a lot about the residential side, how about the other asset types right? Like let’s say commercial or retail, other like strategy, investment strategies. What do you hear from people in the industry that is very exciting.

Amos: Alright, so besides residential, we look at commercial lots, and also land. In Malaysia, there are plenty of land, agricultural land. So I would say that it depends on which industry you’re in. So once you get connected with me, analyze what industry you’re in, we will then give advice based on the areas which is suitable for your business. If it’s commercial or land.

Darren: Yeah, I see. So you know, for a lot oversea investors, right, they probably need a mortgage. What sort of tips do you have for them?

Amos: Okay, there are a few things that you— maybe some information that you need to know. First thing, the loan margin in Malaysia is 60% or 90%. So for example, if you are buying a property that is worth a million ringgit, the maximum loan you can get is up to 900,000. And you can get 600,000 or 900,000. And the second thing that you need to know is that usually foreigners are allowed to buy only properties above 1,000,000 million ringgit, but there are a few projects and areas where they get the developer license before 2013. The foreigners actually can buy properties that is worth 500,000 ringgit and above. 

From the mortgage, or the value of the property, we actually give professional advice based on the field platform in Malaysia. So in Malaysia we have a platform called Brickz.com. So Brickz actually gives us the punctual data on the price of the property that is bought in 2019. So, every year they will update all the transaction of the previous year and you will see a detail of the real price that people are willing to buy. So we will use Brickz to analyze the the price of the property and there is two more platform which is I-property and property guru. These platforms are the platforms where all the agents post all the listings and we try to get a tenant or a buyer. So based on I-property and property guru, we can check out the average rental of the area, the price that people are willing to offer for that particular area, and from Brickz, we can look at the punctual data of the last year, the price that people have actually completed in the whole process of purchasing. So based on these three platforms, we can we can give foreign investors clear data on the things that they’re buying in. So it’s pretty safe because all the data from Brickz is all related to the government. It’s the right data, yeah. 

Darren: I see. I feel like we’re doing advertising for them. So if you guys listen to this advertising money, let me know. Joke aside, joke aside. So you know, we talked about before, you’re not only a real estate agent, you help people do their MM2H. What else are you working on at the moment?

Amos: We assist you to register your company. And we give you a full consultation on the rules and regulation on the text of businesses. Because if any Hong Kong people wants to come down here it’s for two reasons. One is for retirement. Two is to come here and settle down and start their business here in Malaysia. So coming here for business or coming here for your own stay, MM2H is important. And at the same time business registration is important as well. Yeah, so here Rockwell, which is the company that I’m attached to, we assist you in your corporate planning, opening, registrating your self business in Malaysia and also tax related matter.

Darren: Maybe one day our company, Denzity, can go in corporate in Malaysia one day. You’ll never know. I’ll let you know for  sure when that happens. So obviously, I have a lot of questions in my mind and unfortunately, time’s running out soon. But I want to know more because right now, you know, we are—you guys are still in lockdown. And so I was just curious, right, during and after the lockdown how does the virus situation affect the way that you work? Do you think that you would try to do an alternative way like you know, we’re doing Zoom at the moment, you know some people are doing like vitural viewings to gage investors. So what kind of things do you think has changed the way we demonstrate real estate or even find customers and so on?

Amos: Oh well during the beginning of COVID-19, the lockdown, we were actually quite stressed and everything just turned differently. So as we adapt to the new norm, it actually benefited us more than without the new norm. So now we are actually doing a lot of Zoom meeting with our clients, which means that we are presenting all our properties via zoom or WhatsApp and that allows me to even sell a property in Kuala Lumpur when I’m in Johor Bahru. I can sell a property in Penang when I mean Johor Bahru, so it sort of gave us a flexibility and before the lockdown, people tend to have this feeling where like if you want me to buy a property from you, you come and meet me. Yeah, you come and talk to me face to face, that’s sincerity. But now everybody seems like “No no, you don’t have to meet me, just do Zoom and it’s fine.” Everyone is like scared to get COVID-19. So that is on the personal side.

Besides that, because of COVID-19 Malaysia is actually putting a lot of effort trying to activate the market to make the market active again. So because of COVID-19 there is actually a few changes in the government for the tax in property and also for auto mobile, which is the car. So let’s talk a bit about the Malaysian market firstly. RPGT is waived for the first house. RPGT is real property gain tax. In Malaysia, every person who sold their first house, you don’t have to pay the tax. You don’t have to pay any RPGT tax.

Darren: Oh really okay.

Amos: But your second house onwards, you actually need to pay quite a lot. It starts from 30%. So if you bought your house at 400,000 and you’re selling a 500,000 and you earn 100,000, you have to give 30% to the government.

Darren: That’s a lot of Holy crap.

Amos: So now they remove the RPGT which means that everybody is able to sell their property. The third property means three properties waived. You don’t have to pay the tax RPGT. So the other benefit is that the government actually gives a 10% reduction on any developers that are registered under this program. So a lot of buyers can actually purchase a property without giving any down payment. Okay, that is also an effort from our government to encourage people to buy at this moment. And for bank loans usually on the third house onwards, you can’t get a 90% loan margin, but now the government allows it as long as your documentation, your profile is good, even if it’s the third house if you’re purchasing your third or fourth property, you can get up to 90% loan. So these are the few things without the lockdown the government would not have done. So it’s actually a golden opportunity for the property agents right now and also the car resellers. For the car resellers as well, they removed the tax to encourage people to spend and recover the economy. So that’s the positive impact from the lockdown.

Darren: Yeah, I see. Like it’s interesting, right? Because in Hong Kong, they don’t have that, you know, because they’re not gonna give waive any stamp duty and stuff like that, even the government needs more money. But at same time this whole Denzity insight has spawn from the virus. And I really want to know more of what’s going on and everyone’s like, “Hey, know what, let’s do a zoom interview with different people.” So on that, I really want to thank you again, because this episode, actually, to be honest, is something that is very good; it’s better than expected. Because you cover a lot different things like not only about the neighborhood and so on. It’s some very easy insights and tips for our audience to learn more about what’s going on and what they need to be aware of. So I want to thank you on that. So before that, before we go, right, what kind of takeaway would you want the audience to have from this whole video?

Amos: Okay, so first of all, I would like to say that I grew up in Kuala Lumpur. And growing up in Kuala Lumpur, we basically share the same culture with Hong Kong because we watch Hong Kong drama, we listen to HK pop and we have Astro on demand, which is a same time the drama that you’re watching right now in Hong Kong is the same drama we’re watching now in Kuala Lumpur. 

Darren: Oh, really? Okay.

Amos: So since we were young we have been going to singing karaoke new way, which is exactly the same with Hong Kong. So, I would like to expand my network in Hong Kong. I’m looking forward to it. So I wish that like, if you are interested to look into Malaysia, please subscribe and WhatsApp me.

Darren: Yeah, and obviously like my job is to make sure people know more about, you know, engage with you, which comes to my next question too, right? If people want to know more about the Malaysia real estate and do other services, MM2H And learn more detail about that. How would you suggest people to reach out to you and talk to you more about that?

Amos: You can WhatsApp me at my number? Do you want me to say it out loud? 

Darren: No, no, I mean, I can just put everything on the show notes. That works too.

Amos: Alright, so you can put my number on it. Okay. I think WhatsApp is the best because I will reply you instantly as long as you inquire in. 

Darren: Yeah. Okay. That’s good. That’s good. I don’t want people to spam you all the time and everything. But yeah, I will obviously ask you everything you have for the contact. I’ll put everything in the show notes. And with that, thanks so much again for your time and efforts. This is really a pleasure to know more about you and your work. And then what’s going on Malaysia. And maybe next time with this long, long form of interview, I’ll invite you again to talk more detail. We can even do like a quarterly or by annually or even annually, like you know updates. So, yeah, thanks for your time, and then I really enjoy this.

Amos: Yeah. All right. Thank you. Well, sorry for the broken English. I will try to do better. 

Darren: No it’s good, doesn’t matter.

Amos: Always nice meeting with you. 

Darren: Yeah. Thank you so much, and have a good day. See ya. 

Amos: Okay, thanks. Bye Darren. 

Darren:嗨,Amos,歡迎收看節目。

Amos:嘿,Darren,謝謝你邀請我參加你的節目。

Darren:嗯。這有點令人興奮,因為我們之前有過一次聊天,是我通過朋友的朋友認識你的,你的朋友也在馬來西亞做房地產市場、商業等方面的工作。對我自己來說,我已經很久很久沒在馬來西亞了,我想已經有十多年了。很多人-我的朋友總是說馬來西亞的房地產市場正在蓬勃發展。那裡有很多機會。所以我真的很想和大家談談,瞭解更多,這也是觀眾在馬來西亞投資房地產時應該意識到的。所以,在那之前,你介意給觀眾介紹一下你自己,然後介紹一下你的作品嗎?

Amos:好吧。謝謝,Darren。我叫Amos·耶利米,你可以叫我Amos,阿傑·林。好吧,我現在是Dreamvest Realty的試用房地產經紀人。我想先解釋一下什麼是試用房地產經紀人。所以,在馬來西亞,如果你想獲得房地產代理執照,實際上需要五年的時間。整個房地產市場都是由房地產經紀人的估價師和估價師來管理的,我們稱之為Bovaea。囙此,要想成為一名房地產經紀人,你需要在前兩年通過12門課程才能拿到房地產論文文憑,然後經過兩年的時間來寫下你作為經紀人所做的活動。最後幾年,我們會和董事會面談以獲得執照。我正在進行中。我已經拿到了房地產的文憑,我正在Dreamvest做我的試用房地產經紀人。所以在Dreamvest,我們實際上在馬來西亞提供服務-我們稱之為A到Z。那麼我們如何看待A到Z?從分析並向您提供正確的數據來分析物業、購買租金和/或購買物業和保險,我們將管理和租賃您的投資。所以基本上,我們將引導您在房地產投資之旅中從A到Z。好吧,所以除了做代理,我還參與其他公司的企劃,還有商業諮詢。所以基本上今天在丹齊提,我不會只談房地產市場。我實際上要談談如何在馬來西亞注册貴公司。如何注册馬來西亞第二家園計畫,我們稱之為MM2H(馬來西亞第二家園)。我們還將在這裡討論房地產市場。

Darren:那太好了,因為我認為這是一個緊密相連的東西,對吧?因為有些人可能需要成立一家公司來持有這些資產。所以我認為你們現在提供的服務也更好。這也很有趣。所以五年是拿到駕照的一個進步。有點像又去上學了,對吧?那麼你是一邊練習一邊上學嗎?或者更像是你必須在這個行業工作五年才能拿到執照?

Amos:哦,是的,你得走了。你得去拿文憑。大多數的經紀人,房地產經紀人,實際上有兩個執照,一個是房地產談判代表。房地產談判人員只需要三天的培訓。他們付一筆費用,然後報名,你就可以在三天內成為談判代表。但如果你想拿到執照,那就意味著你可以雇傭50名特工。那就好像你拿到了營業執照。你可以開房地產經紀公司。所以這是另一回事。馬來西亞的大多數代理都是代理,他們參加兼職課程、文憑和夜校課程來獲得執照。

Darren:哇。這是一項很繁重的工作,但是當一名房地產談判代表的三天時間裏,很多人都要花上三四十年才能成為一名優秀的房地產談判者,所有的笑話都放在一邊,但這相當酷。

Amos:哦,好吧,作為一個有經驗的談判者,你當然需要花40年的時間,但是你知道,要得到我們需要的基本規則和規則,它只是由董事會來管理的。所以我們必須完成課程,並有資格成為談判代表。

Darren:哦,真的嗎?可以。還有,有沒有辦法查出此人是否有執照?有沒有辦法蒐索?

Amos:哦,是的。每位談判代表或房地產經紀人都將獲得董事會的工作通行證。囙此,當你完成為期三天的談判課程後,你就獲得了登機牌。這就像一個工作通行證,但它是從董事會。你可以得到房地產談判代表的號碼和房地產經紀人的號碼。

Darren:哦,是的。這就是我要問的。有沒有辦法在網上蒐索那些在海外投資的人?

Amos:是的,通常所有的經紀人都會附上他們的談判代表號碼或代理人號碼,是的,甚至在馬來西亞懸掛橫幅,實際上也需要一個適當的房地產談判許可證,這樣你就可以放橫幅或任何形式的廣告。囙此,我想說,在馬來西亞投資是相當安全的,因為房地產市場是由董事會妥善管理的。所以所有的規章制度我想是的,沒有胡鬧,都是清白的生意。

Darren:是的,我想在這篇評論之後,我會問你如何找出經紀人是否有執照,因為這對我們來說,我們真的很想確保我們的觀眾知道如何在全球範圍內找出一些壞演員或好演員,對吧。所以這實際上很有幫助。我想回顧一下馬來西亞市場,我很想知道更多。囙此,對於一些可能不太瞭解馬來西亞不同地區的觀眾,你介意簡要描述一下這個城市是如何組成的嗎?海外投資者傾向於投資的幾個領域是怎樣的呢?

好吧,馬來西亞基本上分為兩個主要的地理區域。一個是西馬來西亞,即馬來西亞半島,另一個是馬來西亞婆羅洲,即東馬來西亞。所以馬來西亞的大部分主要城市都位於馬來西亞半島。所以我們說檳城。檳城位於半島北部,就在泰國旁邊。

好吧,所以我想說,檳城的文化更像臺灣,因為他們講福建話,講普通話。好的,然後我們去馬來西亞的首都吉隆玻。所以我在吉隆玻背對了。吉隆玻是馬來西亞的主要市場,是馬來西亞最活躍的市場。我住在柔佛巴魯,這是馬來西亞的南部和馬來西亞半島的南部。實際上離新加坡只有15分鐘的路程。所以在東馬來西亞,有沙巴和沙撈越。現時沙巴和沙撈越發展非常快,許多外國投資者也將目光投向沙巴和沙撈越。但我在吉隆玻長大,我的生意都在JB。所以我想今天我會多談吉隆玻和柔佛巴魯市場。

Darren:那太好了,因為我認為作為一個房地產經紀人,人們不會意識到你不僅僅是一個經紀人;你是一個導遊,你會說“好吧,為了瞭解文化,你應該投資哪條街。什麼地方好?”囙此,當涉及到諸如哪個街區、哪些街道等重大細節時,這些知識是非常有見地的。所以我相信你可以專注於你的專業知識,所以我非常感激。所以你知道,就像我之前在介紹中所說的,馬來西亞房地產市場在我所處的幾個圈子裏一直是非常熱門的話題。這一趨勢背後的原因是什麼?你認為它在未來幾年將如何演變?

Amos:好吧,首先,我要說的是,馬來西亞是一個非常和平的地方。因為第一件事是我們生活在一個多元文化的地方,我們在馬來西亞有多種種族;我們有馬來人,我們有華人,我們有印度人,還有很多其他文化。所以在馬來西亞,我們可以說我們有最節日的季節。在馬來西亞,你可以找到很多遊客都喜歡來的美食。他們可以在這裡看到各種各樣的文化。所以這是第一點。第二點是馬來西亞是一個开发中国家。我們有很多土地。很多新的發展都在發展,所以當它是一個开发中国家時,這意味著有很大的投資和擴張空間。所以這可能是人們想來馬來西亞的第二點。我要說的第三點是,我們是一個熱帶國家。我們全年都有穩定的天氣。因為我住在柔佛巴魯的普特裏港,有很多韓國人,甚至香港人,臺灣人,他們在這裡買了房子。所以我和很多韓國的高年級學生交談過,問他們:“你為什麼選擇馬來西亞?”很多人說這裡是退休的好地方。他們的天氣很穩定,在海邊,每天都颳風。所以像一些韓國人在韓國的時候給了我迴響。所以有時候在冬天他們會感到骨痛和身體疼痛。在這裡換班後,他們得到了穩定的天氣,他們覺得呆在這裡很舒服。

Darren:太好了,太好了。我覺得當我在香港的時候,天氣並不糟糕,但聽起來我需要休假。聽起來我需要在馬來西亞找個地方,也許喝一口,雞尾酒,放鬆一下。所以,你知道,馬來西亞是個大地方,很多人顯然認為,你知道,不是每個地區都會很好。所以我只是想知道,對吧。你覺得你之前提到的馬來西亞的一些領域,是不是有點高估或是定價過高?

Amos:好的。Darren,我會說,在馬來西亞,我的意思是,在世界各地,都有被高估的項目,有被高估的房產。好吧,這發生在吉隆玻,發生在JB。但既然我住在這裡,我就以普特裏港為例。就你所知,普特裏港有兩條連接新加坡和馬來西亞的通道。所以普特裏港就在第二個連接線。所以普特裏港的總體規劃很好。公共交通總體規劃很好,但這是一個新城市。囙此,他們出售的所有房產每平方英尺約1000林吉特,這對任何第一世界國家來說都是非常便宜的,但對馬來西亞人來說卻是一種威望。那麼,你怎麼說高估了很多像普特裏港這樣總體規劃好的地方,只是暫時高估了而已。可能在五到十年後,因為第二條線路,它將成為一個高度密集、人口稠密的地方,這是一個非常新的環節。所以我想說,在馬來西亞,只有貪婪的開發商才會出現被高估的房地產。好吧,開發商,他們已經安裝了很多功能,他們試著以一個非常好的包裝來推銷它,他們會給你現金返還,在購買房產後,你會得到一個價值不應該這麼貴的房產。囙此,首先,我們需要確定,如何對定價過高或過高的物業進行分類。你可以說每月租金都很低,我可以說你的租金很低。這也是為什麼投資者不想購買房產的原因之一,因為他們無法將其出租。馬來西亞到處都在發生。所以,我想說,在我們購買任何房產之前,有許多事情需要我們仔細考慮,並做適當的分析。還有開發商的背景。

Darren:這一點很好,很多人都忘了。所以,就像我之前說的,那些可能從韓國、日本、臺灣、香港等地遷往中國的投資者。那麼,對於那些打算將其用於自身或僅用於投資的投資者,您有何建議?

Amos:好的,這是一個好問題,我將把個人使用和投資分成兩個主要市場,即一級市場和次級市場。如果你正在尋找投資的目的,你肯定會看看一級市場。所以,什麼是一級市場一級市場通常是像吉隆玻這樣的市中心,好嗎。囙此,在吉隆玻,基本上沒有幾個熱點地區能像KLCC(KLCC是馬來西亞國家石油公司雙子塔)旁邊的地區那樣稱之為一級市場,它是現時世界上第九高樓。

Darren:非常有名的那個對吧?

Amos:是的,這是一座雙子塔。是啊。所以,當我們考慮投資時,我們肯定想要有多種租金選擇的房產。這意味著你可以選擇租給遊客。學生可以選擇租房,當地人可以選擇租房。所以基本上我們需要多重租金,當我們需要多重租金的時候,我們需要一個像KLCC,Bangsar或Mont Kiara這樣的主要市場。這裡是外國人的熱點。是的,所以當談到長期使用你自己的目的,我會建議次級市場。次級市場通常離市區較遠,但仍在吉隆玻。它還在雪蘭莪州。我會說雪蘭莪和吉隆玻在一起,因為它們就在一起,對馬來西亞人來說,吉隆玻的整個發展-我們把雪蘭莪和吉隆玻歸為一類。所以在次級市場,你會有更多的本地人留下來,你有更好的社區和更好的社區,為當地人和個人量身定做。所以我會說,如果你問我,我會給你數據和第一產業和第二產業之間的差异分析,我們可以據此作出决定。

Darren:啊,這很有幫助,因為我以前不知道。你之前在介紹中提到,你不僅做房地產相關的事情——這是一種叫做“馬來西亞人:我的第二個家”的東西。那是怎麼回事?它是適用於外國人還是只適用於本地人?這對房地產市場有何影響?

Amos:好吧,嗯,馬來西亞第二家園是一個由政府推動的項目,允許外國人獲得可以持續10年的社會簽證。好吧,所以如果你申請了MM2H並獲得了社會簽證,基本上你可以多次來馬來西亞,或者你可以在馬來西亞呆10年。好吧,所以我喜歡的是,它忽略了你來自哪個國家,你的種族,你的宗教,好吧,沒有任何限制。但有一些要求,你必須能够申請這個。所以,假設對於任何國家,如果你超過50歲,你的財務總監需要有價值35萬林吉特的定期存款。第二個要求是,你需要有一份基本工資至少為10000林吉特的工作,如果你50歲及50歲以下,你的定期存款需要有50萬,同時你的薪水最低需要有1萬林吉特。但也有不同的情况。比如香港。在香港,申請人的平均收入通常為4萬港元,高於他們的薪金。轉回到20000林吉特,好吧。所以,如果你來自香港,你的薪水在10000林吉特左右,你仍然沒有資格申請MM2H,因為首先,他們不允許藍領。其次,假設香港是一個比較標準的國家,是一個標準比較高的國家,所以薪水的標準會比其他國家高。但你需要的最基本和最低的要求是我之前說過的50歲及以上和50歲以下的人的數量。

Darren:那是不是意味著,在MM2H內,你可以來回旅行很多次,你可以在馬來西亞停留更長時間。我說的對嗎?

Amos:是的,你可以在10年內留下來。如果你願意的話,你可以呆10年。

Darren:哦,好吧,那就好像,你真的沒有拿到護照,但是你得到了簽證,一個很長的簽證。但要想成為合格的人,你必須成為社會上的創收成員。所以我覺得這有點酷。

Amos:10年後可以再生。

Darren:太多了。那是很長的一段時間。

Amos:這樣做的好處是,人們不必放弃自己國家的公民身份。所以這不是公關,只是社交訪問通行證。

Darren:哦,這就是為什麼你們也有。所以你們在一起的服務真的很好。

Amos:是的,因為如果你真的要考慮搬到馬來西亞去,當然,在馬來西亞買房子,我建議你在做任何投資决定之前,必須先申請MM2H。所以申請過程大約需要9個月。

Darren:我明白了。時間不算太長。沒關係。我知道有些簽證有時要花上幾年的時間,這很煩人。所以你知道,既然這句話是對的,那麼除了MM2H之外,你還會給觀眾提供什麼樣的建議和建議呢?在投資馬來西亞房地產市場時,他們還有什麼需要注意的嗎?

Amos:好吧,就這一點而言,我認為這不僅僅是在馬來西亞如何分析它,我認為在整個世界,都是一樣的。首先,我們得看看總體規劃。總體規劃意味著該地區的開發,因為從長遠來看,這肯定會影響價格。好吧,第二,這是公共交通總體規劃,因為在吉隆玻,有很多住宅區,有幾個單元離公共交通更近,步行距離也更近。而從長遠來看,距離公共交通較近的樓盤,實際上比同一社區、同一面積、同一住宅面積,有5%-10%的漲幅,對吧。囙此,公共交通總體規劃非常重要。第三,我們需要看看政府是否有預算撥款。所以在馬來西亞有一些熱點地區,政府實際上是在文宣和安排很多活動,比如新年活動、中國新年活動。任何活動,他們都會放鞭炮之類的東西來保持人流去的地方。囙此,政府的預算分配非常重要。那麼經濟驅動力是什麼?可以。例如,有狄斯奈樂園的都市肯定會對周圍的房價產生影響,因為他們有更多的遊客。比如馬來西亞的KLCC。如果你在KLCC附近買房子,如果你知道你在做什麼,你可以把它們翻過來,從中賺錢,或者你可以從中做很多事情。最後一個問題是,有沒有創造就業機會。就像中國有很多都市一樣,他們正在把都市轉移到物聯網中心。好吧,就像我居住的普特裏港一樣,他們實際上在為IT專業的學生和IT研發部門提供很多免費的共同工作空間。囙此,這些領域實際上創造了更多的就業機會。最後一個,當然,你需要知道一個開發商的背景和信譽,然後再購買。

Darren:是啊,就是別找貪心的。

Amos:是的,別找那個貪婪的,沒錯。

Darren:很難,很難。我想很多人在談到香港的時候,會一直在想,“好吧,專家很重要”,這意味著就像房地產經紀人一樣,但他們總是忘記對開發商進行盡職調查,很多人可能會意識到,開發商有時更為重要,因為遊客之下的一些開發商是眾所周知的貪婪或欺詐或陰暗之類的東西。所以很高興你指出了這一點。所以你知道,剛才我們談到了買入權,很多買賣雙方,你知道租賃怎麼樣,在馬來西亞租賃市場上,海外投資者可能不知道的一些關鍵的事情,比如租賃條款或規範。

Amos:好吧,在馬來西亞,如果契约在三年內,我們稱之為租賃協定。如果超過三年,我們稱之為租賃協定。所以在馬來西亞,最基本的事情就是,如果你想租房,或者你想租房子,你必須準備一個月的租金——你要為當月支付一個月的租金。你付兩個月的保證金,半個月交水電費押金。所以它是標準化的。任何人想要出租或租賃房產,必須準備3.5個月的租金價值,你正在尋找。囙此,如果你要租一個價值1000林吉特的房產,你需要準備3500林吉特作為初始租金。所以如果你想租或者想租。租房契约通常是一年加一,二加一,或者一年。租賃合同通常是三加三,或者三加三加三意味著你要租九年,而且每三年要調整一次價格。就這樣。所以,假設你在馬來西亞買了一套房子,你用我們的服務出租,所以房地產仲介通常收取1.25的傭金作為手續費,好吧,如果你的房子在三年之內,如果超過三年,我們會收取1.5的SST銷售和稅務服務費。

Darren:我明白了。那麼這是三年總收入的1.25%?

Amos:不,租金的1.25%。也就是說,如果租金是1000林吉特,費用是1250。

Darren:啊,但是你是一次性付清所有費用還是按月支付?

Amos:費用由房東支付。所以當房東出租時,房東就收了3.5。正確的?是啊。所以從3.5,土地也給出了1.25。

Darren:所以這是根據那個人收了多少錢,房東收了多少錢。當他們收到錢的時候傭金就到了。我明白了。可以。這其實有點有趣,因為聽起來馬來西亞的租期比很多國家都長。所以我以前,就像,你知道的,我把重點放在英國,日本,然後香港。英國的簽證一般是一年,一年半,兩年,日本也是,香港也是,所以三年的簽證時間真的很長。所以有點有趣。我以前從沒聽說過。

Amos:通常長期租賃更多的是在工廠或土地上。如果是住宅,通常是在三年內,即使只是2年加1年,所以兩年後他們可以决定離開,或者繼續前進。

Darren:是的,我明白了。所以說馬來西亞的一些地區,對吧,有沒有什麼類型的臀部區域能吸引很多年輕人,願意支付更多的租金。另外,對吧,還有哪幾個地方有很多商業活動,我們在看?

Amos:這要追溯到一級市場,我將在吉隆玻看到的KLCC地區、Bangsar和Kiara山。實際上,對外國投資者來說,最好的地方肯定是吉隆玻。這是我們的首都。大多數的活動都發生在那裡。所以,比如在吉隆玻,一定要回顧一下KLCC地區。基亞拉山和班薩。是的,這是三個主要的一級市場,很多商業活動都在這裡發生和發生。

Darren:是的,我明白了。所以,你知道,我們講了很多關於住宅的方面,其他的資產類型呢?比如說商業或零售,或者其他類似的策略,投資策略。你從業內人士那裡聽到的非常令人興奮的消息。

Amos:好吧,除了住宅區,我們還要看商業地塊,還有土地。在馬來西亞,有很多土地,農業用地。所以我想說這取決於你所處的行業。所以一旦你和我聯繫,分析一下你所處的行業,我們會根據適合你的業務領域給出建議。如果是商業或土地。

Darren:是的,我明白了。所以你知道,對很多海外投資者來說,他們可能需要抵押貸款。你對他們有什麼建議?

Amos:好吧,有幾件事,也許你需要知道一些資訊。首先,馬來西亞的貸款利率是60%或90%。比如說,如果你能貸款9萬吉特的話,你最多可以貸款9萬。你可以得到60萬或90萬。你需要知道的第二件事是,通常外國人只允許購買1億林吉特以上的房產,但有少數項目和地區在2013年前拿到開發商許可證。外國人實際上可以購買價值50萬林吉特及以上的房產。

事實上,我們是根據馬來西亞房產的價值,或是根據專業人士的意見。所以在馬來西亞我們有一個叫做Brickz.com網站.所以Brickz實際上給了我們2019年購買的房產價格的準時數據。所以,每年他們都會更新上一年的所有交易,你會看到人們願意購買的真實價格的詳細資訊。囙此,我們將使用Brickz來分析樓盤的價格,還有兩個平臺,I-property和property guru。這些平臺是所有代理發佈所有房源的平臺,我們試圖找到租戶或買家。囙此,基於I-property和property guru,我們可以查看該區域的平均租金,人們願意為特定區域提供的價格,從Brickz,我們可以查看去年的準時數據,即人們在整個購買過程中實際完成的價格。囙此,基於這三個平臺,我們可以向外國投資者提供他們正在購買的產品的明確數據。所以這是相當安全的,因為所有來自Brickz的數據都與政府有關。是的,這是正確的數據。

Darren:我明白了。我覺得我們在為他們做廣告。所以如果你們聽了這些廣告錢,告訴我。別開玩笑,別開玩笑。所以你知道,我們之前說過,你不僅是一個房地產經紀人,你還幫助人們做他們的MM2H。你現在還在做什麼呢?

Amos:我們協助你注册公司。我們將為您提供有關企業文字的規章制度的全面諮詢。因為如果有香港人想來這裡,有兩個原因。一是退休。二是來這裡定居,在馬來西亞創業。所以來這裡出差或者自己來這裡住,MM2H很重要。同時,商業登記也很重要。是的,我所屬的羅克韋爾公司,我們協助您在馬來西亞進行企業規劃、開業、注册以及稅務事宜。

Darren:也許有一天,我們的公司,登奇提,有一天可以進入馬來西亞的公司。你永遠不會知道。發生這種事我會告訴你的。很明顯,我腦子裏有很多問題,不幸的是,時間不多了。但我想知道更多,因為現在,你知道,我們是你們,仍然處於禁閉狀態。所以我很好奇,對吧,在禁閉期間和之後,病毒情况如何影響你的工作方式?你想知道你在做什麼樣的事情,我們想知道你在做什麼。那麼,你認為是什麼樣的事情改變了我們展示房地產甚至尋找客戶的管道?

Amos:哦,在COVID-19開始的時候,我們當時壓力很大,一切都變了。囙此,當我們適應新的規範時,它實際上比沒有新規範的情况下更有益於我們。所以現在我們和客戶進行了大量的Zoom會議,這意味著我們將通過Zoom或WhatsApp展示我們所有的房產,這樣我甚至可以在柔佛巴魯出售吉隆玻的房產。我可以在檳城出售一處房產,而我指的是柔佛巴魯,所以這給了我們一種靈活性,在禁售之前,人們往往會有這種感覺,如果你想讓我從你那裡買房子,你就來見我。是的,你來和我面對面交談,那是真誠。但現在每個人都像是“不,不,你不用見我,只要放大就好了。”每個人都害怕得到COVID-19。所以這是在個人方面。

除此之外,由於COVID-19,馬來西亞實際上正在努力啟動市場,使市場再次活躍起來。囙此,由於COVID-19,政府實際上對房產稅和汽車移動稅(即汽車)進行了一些改革。我們先來談談馬來西亞市場。第一個RPGT免除。RPGT是不動產收益稅。在馬來西亞,每一個賣掉第一套房子的人,你不必交稅。你不必付任何RPGT稅。

Darren:哦,真的很好。

Amos:但是從你的第二套房子開始,你實際上需要付很多錢。從30%開始。所以,如果你以40萬買了房子,賣了50萬,賺了10萬,你就得給政府30%的錢。

Darren:真是一堆廢話。

Amos:所以現在他們取消了RPGT,這意味著每個人都可以出售他們的財產。第三項財產是指放弃三項財產。你不必付RPGT稅。囙此,另一個好處是,政府實際上會給任何在這個項目下注册的開發商10%的折扣。囙此,很多購房者實際上可以不付任何首付就購買房產。好吧,這也是我們政府鼓勵人們在這個時候購買的努力。而對於銀行貸款,通常是在第三套房子以後,你不能拿到90%的貸款保證金,但現在政府允許,只要你的證件,你的個人資料很好,即使是第三套房子如果你購買的是第三套或第四套房產,你也可以獲得高達90%的貸款。囙此,如果沒有政府的封鎖,這是少數幾件事。所以現在對房產仲介和汽車經銷商來說,這是一個絕佳的機會。對於汽車經銷商來說,他們取消了稅收,以鼓勵人們消費和恢復經濟。這就是封鎖帶來的積極影響。

Darren:是的,我明白了。好像很有趣,對吧?因為在香港,他們沒有,你知道,因為他們不會放棄任何印花稅之類的東西,甚至政府需要更多的錢。但與此同時,這整個密集的洞察力從病毒中產生。我真的很想知道發生了什麼,每個人都會說,“嘿,知道嗎,讓我們對不同的人做一個縮放式的採訪。”所以在這之後,我真的想再次感謝你,因為這一集,實際上,說實話,是非常好的,比預期的要好。因為你要報導很多不同的事情,比如不僅僅是關於社區之類的。對於我們的觀眾來說,這是一些非常簡單的見解和技巧,可以讓他們更多地瞭解正在發生的事情以及他們需要知道的事情。所以我要謝謝你。所以在這之前,在我們走之前,對吧,你希望觀眾從這整段視頻中得到什麼樣的收穫?

Amos:好吧,首先,我想說我是在吉隆玻長大的。在吉隆玻長大,我們基本上和香港有著相同的文化,因為我們看香港戲劇,聽香港流行音樂,我們有阿童木點播,這也是你現在在香港看的戲劇和我們現在在吉隆玻看的戲劇一樣。

Darren:哦,真的嗎?可以。

Amos:所以我們從小就開始用新的管道唱卡拉OK,香港也一樣。所以,我想擴大我在香港的人脈。我很期待。所以我希望,如果你有興趣瞭解馬來西亞,請訂閱和WhatsApp我。

Darren:是啊,很明顯,我的工作就是確保人們更多地瞭解,你知道,和你接觸,這也是我的下一個問題,對吧?如果人們想瞭解更多關於馬來西亞房地產和其他服務的資訊,那麼請訪問MM2H並瞭解更多細節。你會如何建議人們與你接觸,並與你更多地討論這個問題?

Amos:你能告訴我我的號碼嗎?你想讓我大聲說出來嗎?

Darren:不,不,我是說,我可以把所有的東西都寫在節目單上。那也行。

Amos:好吧,你可以把我的號碼記在上面。可以。我認為WhatsApp是最好的,因為只要你詢問,我會立即答覆你。

Darren:是的。可以。很好。很好。我不想人們一直給你發垃圾郵件。但是,很明顯,我會問你所有的聯繫方式。我會把所有的東西都寫在節目單上。在此,再次感謝您的時間和努力。很高興能更多地瞭解你和你的工作。然後馬來西亞發生了什麼事。也許下一次,在這種冗長的面試中,我會再次邀請你談談更多的細節。我們甚至可以按季度、按年甚至按年更新。所以,是的,謝謝你的時間,然後我真的很喜歡這個。

Amos:是的。好吧。謝謝您。嗯,很抱歉我的英語不好。我會努力做得更好。

Darren:不好,沒關係。

Amos:很高興見到你。

Darren:是的。非常感謝你。再見。

Amos:好的,謝謝。再見,Darren。

What do you think of this episode? We’d love to know your thoughts through the comments section!

Until then, stay safe!

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