Pada masa kini, membeli rumah bukanlah sesuatu perkara yang mudah dan dapat dilakukan segera, apatah lagi membuat pinjaman peribadi. Walaupun rumah di negeri-negeri lain mungkin lebih murah, tetapi sayangnya ramai yang bertumpu di ibu kota seperti Kuala Lumpur dan Selangor.

Hal ini tidak disangkal bahawa ibu kota yang mempunyai pembangunan yang pesat seperti Kuala Lumpur dapat menarik minat syarikat-syarikat besar untuk bertapak di sini.

Meskipun begitu, masih ada juga individu yang mampu membiayai kos untuk membeli rumah dengan pinjaman perumahan sedangkan gaji hanyalah sekadar kais pagi makan pagi, kais petang makan petang?

Apa pula jampi atau rahsia yang digunakan mereka ini untuk mendapat pinjaman yang mudah dan beli rumah pertama mereka? Apa yang penting, mereka ini tahu apa yang bank suka dan tak suka, jenis rumah yang berguna dan strategi pembelian rumah.

Di sini kongsikan rahsia dan tips beli rumah pertama dengan cara yang tepat dan juga merangkumi perkara-perkara penting yang anda perlu ambil tahu terlebih dahulu. Layari laman web Mega 3 Housing untuk mengetahui lebih banyak maklumat tentang cara-cara untuk memiliki rumah anda yang pertama.

1. Pastikan Pekerjaan Berstatus Tetap

Sebelum meluluskan pinjaman, pihak bank akan terlebih dahulu akan menilai kestabilan pendapatan anda melalui status kerja anda.

Oleh itu, pihak bank akan menggunakan kalkulator loan rumah untuk menentukan jumlah pinjaman yang akan diberikan kepada anda berdasarkan kestabilan pendapatan anda.

Jika berstatus atau kontrak, ini mungkin agak sukar untuk pihak bank bagi kelulusan pinjaman islamik untuk beli rumah. Jika baru mula bekerja, mungkin anda kena menunggu sehingga anda sudah menerima status pekerjaan tetap, lazimnya selepas 3 ke 6 bulan.

Namun, terapat juga beberapa pengecualian. Sesetengah pihak bank masih dapat menerima permohonan penjawat awam yang berstatus kontrak, walaupun sudah bekerja melebihi 6 bulan.

2. Semak Penyata EPF dan Pastikan Majikan Mencarum Tepat Masa

Ramai orang tidak tahu bagaimanakah cara pengeluaran KWSP untuk beli rumah mereka. Sesetengah orang tidak pernah menyemak status penyata EPF sehinggalah pengeluaran KWSP untuk beli rumah.

Semasa hendak membeli rumah, di situ mulalah tahu bahawa majikan tidak mencarum tepat pada masa, sehinggakan ada yang tercicir antar bulan. Oleh itu, pastikan anda menyimpan baik-baik borang EA untuk bayaran cukai supaya anda tidak ditolak mentah-mentah oleh pihak bank.

3. Elakkan Daripada Terlewat Bayaran Dengan Institusi Kewangan.

Pihak bank akan sentiasa menilai kelayakan anda melalui skor kredit. Antara faktor yang menyumbang kepada skor kredit yang baik adalah melalui paten bayaran yang anda buat untuk komitmen yang sedia ada.

Data bayaran ini boleh diperoleh oleh pihak bank melalui sistem CCRI yang diuruskan oleh Bank Negara. Kelewatan bayaran melebihi 2 bulan tunggakan akan menyebabkan permohonan anda ditolak. Oleh itu, anda kenalah lebih berdisiplin dan mengambil tahu cara kira loan rumah terdahulu sebelum berurusan dengan pihak bank.

Selain itu, terdapat beberapa perkara yang tuan-tuan dan puan-puan wajib jauhi. Perkara ini sangat berleluasa untuk orang kita, terutamanya golongan muda. Ini juga menjadi penyebab utama kenapa seseorang itu tidak layak untuk membuat pinjaman.

Jika tuan dan puan yang mempunyai pinjaman PTPTN yang belum dilunaskan, sebaiknya bayar tepat pada masa. Jikalau ada sebarang tunggakan, bayar dengan segera atau hadir ke pejabat PTPTN untuk membuat memohon pertangguhan.

Seterusnya, elakkan daripada menjadi penjamin. Jika orang yang dijamin itu tidak membayar pinjaman, CCRIS tuan dan puan pasti akan menerima kesan yang tidak baik.

4. Meminimumkan Bilangan Kad Kredit

Selain itu, anda juga disarankan untuk meminimumkan bilangan kad kredit dan gunakannya secara bijak dan berhemah. Kebanyakan bank akan mengambil 5% daripada had maksimum kad kredit anda sebagai komitmen. Oleh sedemikian, elakkan daripada berhutang separuh daripada had maksimum kad kredit anda.

Jika melebihi separuh, pihak bank akan menandakan anda sangat mempunyai kebergantungan dengan kad kredit dan anda boleh melupakan hajat untuk memiliki rumah mampu milik. Tekan sini untuk maklumat lebih lanjut tentang rumah mampu milik di Melaka.

Beauty is what makes the world go around. With the great demand for the current beauty trend, the establishment of an aesthetic clinic also has grown in popularity as well.

Nowadays, women are in a race to be more confident with their appearance and look beautiful round the clock. But the question is, are you doing the right things?

Of course, beauty knows no age, especially in modern times. Now, you can opt for the best aesthetic treatments for your skin. Here are the most popular beauty treatments from the best aesthetic clinic that are creating the flutter! Check out Suisse Clinic to understand more about the aesthetic treatment procedure.

1. Face Treatment

A range of V shape face treatments is widely practised by the branded beauty salons that treat the freckle and wrinkle with the help of crushed pearl. Some of the aesthetic experts even using the skin lightening agents like crystal tomato to firm the loose and saggy muscles of the skin.

2. Hair Removal

Waxing is one of the beauty treatments that many people undertake to boost the confidence of their outlook. The hair follicle will be pulled out by using the laser treatment through the application of the hot wax on the skin. Thus, this will make the skin to look smooth and flawless.

3. Botox

Botox injection is the most popular form of beauty treatments that makes the skin look younger and firmer. Nevertheless, one should always approach trusted practitioners for Botox treatment such as nose filler.

In fact, Botox treatment is also one of the costliest forms of aesthetic treatments, even painful to a great extent due to the skin firming process. Yet, women who know exactly what they are in for, opt for Botox treatment.

4. Laser Hair Removal

Next, laser hair removal is worth saving up for, considering once you go through numerous of the session, shaving will be the thing of the past.

If you ever did permanent hair removal or you simply want to start small, you could go with underarm treatment. After several session, you could bid goodbye to wax or any other method of permanent hair removal.

5. Microdermabrasion

Moreover, microdermabrasion is highly recommended particularly for the ladies who yearn for younger looking skin. This treatment practically gives your face a new lease on life.

It is one of the skin laser treatment that sloughing away the dead and dry skin, exfoliation cream with tiny micro crystals that massaged onto your face with a tiny vacuum-like device. As a result, you will obtain much more smooth and fresh skin which will boost your confidence.

6. Acupuncture

The acupuncture definitely is not for the squeamish. It is a treatment whereby penetrating the skin with the needles at a certain pressure and tension points.

The objective is to de-stress, reduce the pain and inflammation, and in some patient, it does help to relieve migraine. Thus, whether you have got some health issues or just simply looking for an alternative to restart your system, try this on for size.

7. Mud Wrap

The benefits of mud wrap treatment are far and wide, and completely depend on which kind of wrap you choose for. From the firming and toning the body to make your skin silky soft, it is hard to beat an hour of the relaxation and tranquillity of being wrapped up at the spa after a long tiresome week.

If you want to improve your futsal game, then these tips will come in handy for you. The hard truth is that becoming a proficient player requires dedication, persistent, practice along with the right mindset.

Whether it is futsal or Singapore soccer, you should always see yourself becoming a better player and then aim to achieve this.

Nevertheless, you need to understand that it takes time and patience in the process of becoming a good futsal player.

Fortunately, with regular practice at Kovan futsal, you eventually will become skilful.

Let’s take a look at the 5 best futsal tips on how to improve futsal skills and plays.

1. Control with Sole of The Foot

Have you ever observed how the great futsal players at Yishun Futsal? If you have, then you probably will notice that they often use the sole of their foot to control the ball.

In fact, many great players habitually use the sole to stop a fastball and shift the direction.

It is a good technique that will open you with a variety of options in effectively playing the game.

A good way to improve your ball control is by finding a wall or partner and practice regularly of the passing or shooting techniques.

2. Get Excel At Passing the Ball

It may look pretty simple form the sidelines, but once you get to chance to try it out, you will realize that it is not that easy.

At times, the ball may seem to have a mind of its own will go wildly in a different direction than intended.

Thus, you should strive to learn how to pass the ball with precision. The force and posture should be right, for it to precisely reach the target and the kick should be accurately placed for the recipient to catch it easily.

3. Know Your Role

On top of that, if you want to learn how to play futsal Singapore better, you should know clearly and master your role.

It is common to witness there is a lot of confusion on the pitch which is due to the players are not fully aware of their own roles.

In other word, know what you are supposed to do, when to do it, how to be focused and aware of your position in the game will help grasp the play better. Click here if you would like to discover more on the futsal and football position.

4. Have A Clear System

The different team have their own formations at Khalsa futsal and all of them have their own strengths and weaknesses.

The Diamond and Square formation are among the most popular formation play. While many people will know these formations, yet it is hard to actually stick to the play on the futsal pitch in Singapore all the time.

You don’t want situations where no one is attacking when they should, or no one is defending when need to be doing it.

Having a variation of the system will help you to identify the most effective one and have the team stick to in the long run.

5. Master the Shooting

In futsal, you probably will be kicking the ball all the time, so it is crucial to master how to kick it right.

You should know how to kick it hard enough that the opponent would even able to intercept or react to it.

When it comes to the shooting, all you need is to use a considerable amount of force and emphasis on the shooting precision.

In addition, you need to master how to shoot the ball in order to score a goal at Jurong futsal. Indeed, power is important, but so does the precision. Visit Stranger Soccer to explore more on the futsal pitches option in Singapore.

You should also practice both of your legs by switching between the right and left leg to make you an all-rounded player.

Practice shooting the ball with the outside of the foot, inside of the foot or alternate legs and power to give you the advantages of winning the game.

So, where to football in Singapore? Don’t worry, with the internet, you probably could find a plethora of futsal and football venue for you to practice.

Many people always focus on the external looks and overlook the importance of the internal interior design as well.

You may ask any of the top interior design firms, they often recommend making a focus on the making of the office space to be more functional and spacious.

This is because effective interior design has the capability to make a small living space to be more spacious than its look.

When it comes to interior design, there are no fix rules in the interior design that stated what you should do and what you should not.

However, this could be a tricky part as you have to think discreetly about how to design your internal office.

It is not an easy task in making the office to look spacious as possible while maintaining the design standard. Check out J&V Design to find out more.

Fortunately, there are numerous of a top interior design firm in Kuala Lumpur that could be a helping hand in design the office layout.

Some of the people would prefer to hand down the design on their own, but you could not deny the needs of experts when it comes to interior design.

In this article, you will get to know the importance of office interior design in Malaysia and why it plays an important part in creating the best design for your living space.

1. Get It Done on Time

One of the best thing for using the skills from the interior designer is that they have the capability to complete the design concept on time.

This is because they have enough resources and skills to be more efficient in ensuring the project will be done in time.

With the highly skilled experience and resources, they also could provide a better idea that could meet your standard needs.

Thus, you will be more understand about the design and rest assured about the end result.

When it comes to design your office at KL, the location of the office is does not matter. Click here to check out the famous interior design company here.

This is because you could still get the best design ideas and layouts that suit to your needs within the time period.

2. Enhancing the Office Interior Design of Office

Moreover, there are many of the interior designers in Malaysia has the creativity and skill that could help to improve your office looks.

Well, before you approach the interior design company, they often provide their best counselling session to help you figure the style that you desire.

From the concept to the colour of the office, you will gain better insight through the initial counselling regarding the interior design for your office.

Moreover, you too could present your best ideas to the interior designer.

They will try their best to help you by accommodating based on the concept idea that you are given.

With their skills and your core ideas, this will make your office design to be more aesthetic and visual-appealing.

3. Better Resource

As a matter of fact, many of the well-known interior design company has long established its reputation for quite a years.

Most of the reputable companies would have their own supplier that could help to fulfil the concept idea.

That goes without saying, all of your furniture has to complement and aligned well with the concept proposed.

With the help of the supplier to supply better resources, this would help you to get the best quality of furniture to complete your masterpiece design.

As life can get hectic for you, it is good to sometimes treat yourself out for a meal. When you are bringing your loved ones out for a romantic dinner, you can find a good restaurant with the best service to impress them. When talking about good food to enjoy, everyone has their own preferences. Some people like having Japanese food, while some like having Western cuisines. On top of these choices, you can get to choose between food cooked the traditional way or fusion cuisine. With all these options, you do not have to worry.

In western cuisine, dishes like pasta, pizzas, and steak are served. If you are a meat lover, there is no doubt that you would choose a plate of good steak over others when visiting a western restaurant. The most common type of steak is the beef steak and among it, there are many types of beef you can choose from.

1. Marble 8

If you are craving for steak, you must visit Marble 8 Steakhouse as it is known for serving the best wagyu beef in Kuala Lumpur. Wagyu beef is different from other kinds of beef as it is much softer and juicier. Some describe it as having the slice of beef melt in your mouth. They even have spaghetti Bolognese made of wagyu beef. Talk about luxury and there you have it.

Marble 8 is the perfect representation of luxurious food as they serve the best meat with the finest ingredients. Not only that, they serve dry aged beef, wet aged beef, Angus beef, and even caviars too. This is because Marble 8 is known as the steak house in Kuala Lumpur with a wide choice of meats to choose from. Click here to find out more information.

If you are looking for a fine dining experience, this can be the place for you. However, with this experience, the price will be on the higher side. To make a reservation, you will need to pay a certain amount and there is even a dress code that you must follow. Besides that, they offer festive packages like the New Year’s Eve package that can go up to RM30,000 with drinks included. As it is under the Marini’s group, it is highly associated with the famous bar, Marini’s 57. Nonetheless, if you are looking for top-notch experience and do not have budget constraints, this is the place for you.

2. Jibby and Co

Najib, the owner who started this restaurant was inspired by the foods in Melbourne and wanted to bring it into his home country, Malaysia. Today, Jibby and Co is a restaurant that serves good western food with a taste of Malaysia. The foods here are really creative and pleasing to the taste buds. You can never get sick of the food here as there is always something in store for you with their all-time special menus. They emphasize a lot on food quality. Thus, despite having good business for many years, they have not expanded as they want to ensure quality control. One special thing about them is that their foods can cater to the taste of many people. On special occasions like Christmas and Valentine’s, they are one of the best place candle light dinners in Kuala Lumpur. This can be a cheaper option for a fancy date.

3. Porto Romano

Founded in 2005, Porto Romano is an Italian restaurant with Mediterranean cuisines. They are the top / best western restaurant in Malaysia that serves good pizza and pasta. Similar to Jibby and co, they also serve monthly specials like octopus’ salad, lamb salad, and clam and fish chowder.

Nowadays, the cyber threat landscape and cybercrime cases have evolved at an alarming state.

Many businesses are increasingly pressured by their stakeholders to protect themselves against the breach of data.

The organizations are constantly flooded with the latest and supposedly greatest tools and technologies.

Yet the penetration tests remain one of the most popular and critical tools to strengthen the security defences. Check out LGMS Global for the latest advance penetration testing tools.

Besides, there is a high demand for skilled professional penetration testers which also known as the ethical hacker.

The penetration testers from penetration testing company which expert in computer forensic and digital forensic will do some simulation test to gauge the strength of the system. Click here to check out more info.

What is the penetration test?

There are a lot of different ways that penetration testing is being described, conducted and marketed.

It often confused with conducting a vulnerability scan, compliance audit, or security assessment.

Penetration testing stands apart from these efforts in a few critical ways.

The main objective of a penetration test is to identify ways to exploit the vulnerabilities to circumvent or defeat the security features of system components.

Basically, the penetration test which also known as pen tests is simulated attacks in a controlled environment which carried out by the third-party security specialist.

The third party security specialist or ethical hacker will employ or mirror the same techniques as attackers located outside your infrastructure.

The test will reveal whether your servers or applications will be able to resist hostile attacks.

And it is also to test whether if the identified vulnerabilities can lead to further intrusion and exploitation.

In addition, due to the high demand of Pen test, many of penetration testing service providers and PCI DSS companies provide services like forensic service and cybersecurity training.

There are also other top pen test companies offer services such as Cask training courses and Cox certification training to its customers.

Reason Why You Need Penetration Testing

As the hackers becoming more skills and sophisticated, it puts the onus of business owner to ensure their cybersecurity system is well-secured from threats.

Here are the reasons why you need penetration testing to keep your business well-secured.

1. Exposes your weakness before real hackers do

Undoubtedly, the most valuable aspect of penetration testing is that it puts your cybersecurity through the same stresses as the real hacking attempt.

Therefore, it helps to expose the weaknesses in your system.

By having a controlled cybersecurity professional hack into your system, meaning you could learn and know about the system before malicious hackers attempt to get into your system.

2. Provide an outsider perspective on your security

It is often the case for the business that runs their cybersecurity and computer systems in-house that they never get a second opinion.

Many business owners tend to trust their IT professionals to place a strong system that could free from weaknesses as possible.

However, the major problem here is without getting a second expert opinion is that you could be left with blind spots.

As expected, the person in charge of cybersecurity defences could make mistakes just like anyone else.

Thus, it is important to have a penetration test from a certified Pentest Company in Malaysia and get an outside perspective on your system.

3. Save cost

That goes without saying that spending money on penetration test service will actually help you to save your business a significant amount of money.

This is because penetration testing helps you to highlight the areas of greatest weakness.

This will help you to inform on where to most effectively spend your cybersecurity budget.

By using penetration testing to fix any potential problems, you don’t have to worry about the huge expense of a future breach.

People are always on the search for affordable places to hang out and chill after a long day of work.

Places that would be considered are restaurants or bars that offer cheap yet good food and beverages.

Fortunately, it is not hard to find as many places are offering good happy hour promotion deals.

You just have to know where to find them and when you can get these deals.

In fact, this promotion is highly available at many restaurants as it can get pretty competitive for restaurants.

The pressure is on for them to provide customers with the best deals.

The term ‘happy hour’ started off as a marketing term to refer to a period of time where alcoholic drinks will receive a discount.

Today, it not only applies to drinks but also food at certain restaurants.

Happy hour is a period in a day when drinks are sold at reduced prices. This is usually from times around 6pm-9pm.

Happy hour has been proven to boost sales drastically as many people would want to enjoy cheaper food and drinks.

For alcohol, some will make a purchase during that happy hour and reserve it to drink later on.

Be sure to check out the happy hour deals.

With that being said, here is a list of best happy hour in Kuala Lumpur.

1. Twenty.One Kitchen+Bar

First of all, this restaurant serves great food along with alcohols.

Side foods like the garlic mayonnaise fries is a people’s favourite here, the perfect snack to go with beer.

Other foods like the Chicken Char Siew and Asparagus with Beef Bacon are also recommended here.

Besides that, they offer cheap beer in Kuala Lumpur as it is located in the hearts of a famous drinking street, Changkat Bukit Bintang.

With every other bar offering happy hour promotions, it is no doubt that they must offer it too.

They also have other exciting deals like being able to redeem a free signature cocktail when people check in on the location. This deal is exclusive for Thursdays.

 2. Porto Romano

Talk about the best Italian restaurant near KLCC and you have it.

Porto Romano serves the best pizza and pasta, not forgetting its remarkable braised beef ribs.

If you are craving for good Italian food that will never disappoint, this is the pace for you.

It is located just a stone’s throw away from Hilton Double Tree Hotel, so if you happen to be staying there, do check this place out.

What about the happy hour deals here? Well, it starts from 7 pm, offering a buy 2 get 1 free deal.

If you want alcohol, they serve up great wine in generous portions for only RM19.9++.

This is easily one of the best buy KL happy hour. Do make sure to check them out.

3. The Beer Factory

As the name gives, yes, it specializes in serving beer. Even without the happy hour promotion deals, it serves up the cheapest beer in KL without sacrificing quality.

This is why you can see it crowded on Friday nights and most weekends.

Considering it already being so cheap without the special promotions, it is even better with it. Happy hour is from 7-9pm here and you can get 5 pints of beer for as low as RM85.

That is only RM17 per pint, normally a price for a bottle of beer. If this isn’t a crazy deal, nothing else is.

On top of that, they do serve foods too if you are hungry and wish to grab a quick meal before drinking.

Nonetheless, if you are just looking for good and cheap beer, come to The Beer Factory.