WELCOME NOTE
Final JaGaCorner of The Year ⏳
As we come to the end of 2021 (with the hope that this pandemic will come to an end as well), we tend to look forward to setting goals and resolutions as the new year often brings a fresh start.
New year resolutions can cover many different aspects in life, such as:
- Having better mental, physical and emotional health 🧘♀️
- Making more 💲💲💲 (who doesn’t like money right? *winks*)
- Giving back to society more 💁 (donations, volunteering, etc)
- Spending more time with your family members 👨👩👧👦
- Taking up new hobbies 🚴🏻♀️
- Buying your 1st home 🏠 (or perhaps the 2nd or 3rd?)
And many more…
What are YOURS?
Today, let me share what MY goals are in the year to come, and the journey I have embarked on towards achieving them!
This issue is brought to you by Angeline, an avid plant enthusiast who also loves dogs very much, from the Partnership Team.
CORNER TALK 🗣️
My 1st Property Purchase Experience
As an islander from the tiny state of Penang, I have always dreamed of pursuing my career in the concrete jungle that we all know as Klang Valley and hey, guess what? Here I am nurturing that dream in JaGaApp, woohoo! 🥳
Being here for almost 2 years has made me crave for something even more – which is to get my OWN first property in this land of opportunity. Lo and behold, my dream is becoming a reality! *HIP HIP HOORAY* 🙌
Buying your first property comes with a lot, and I mean, A LOT of research. Overall, it comes down to 3 main aspects:
- New vs Subsale Properties
- Types of Property Loans
- Additional Costs of Property Purchase
One of the most highly contemplated aspects, when I was looking for my forever home, was: which type of property should I go for? New? Or Subsale?
I personally went with subsale as I wanted to get my place within the next year (2022 to be precise, hehe). My comfort in subsale properties arose from the property I am currently renting in KL. Having stayed here for about a year over now has enabled me to see how the property is maintained and managed. And guess what? It was to my liking! Hence, I am getting my first subsale property at the same place that I am currently renting. Yipee! 💃
It is of no surprise that having a good developer, management company, and security guard company is indeed important when it comes to purchasing a property.
There are several pros and cons to buying new vs subsale properties. Here are some:
Digging deeper into the best loan options, I discovered that there are quite a number of options to choose from:
With that, I’d like to share my thoughts on a product offered by Alliance Bank called Alliance FlexLink Home Loan.
Alliance FlexLink Home Loan is a full flexi loan that provides the following benefits:
Let me quickly explain how Alliance FlexLink Home Loan works:
You can learn more about it here.
However, if you currently own a property or would like to purchase another, here’s an option for you to ponder upon.
Alliance Bank is now offering Alliance ONE Account, a refinance/debt consolidation package where you can refinance your existing property to get additional cash.
Here are the benefits and requirements for opening such an account:
When purchasing a property, keep in mind that there are additional costs that will be incurred as well. I myself did not know that there were SO many costs that had to be taken into consideration before purchasing a property, but thankfully I do now and am able to share them with you 😁
Here are some key costs that you need to be aware of (thanks to PropertyGuru!):
Credit: PropertyGuru
Ending Note
I hope that you find the above information useful and that it will help to answer any questions that you may have. With that being said, just as the year of 2021 approaches its conclusion, so will this newsletter 😉
On behalf of the JaGaCrew we wish you a very Merry Christmas and a Happy New Year!
JaGaCrew signing out and we shall meet again in your mailbox next year!
YAY! MORE FREEBIES FOR YOU! 🎉
You get freebies, he gets freebies, everybody gets freebies! We work closely with interesting partners to make community living better, and more convenient! In this issue, expand your fashion journey with ZALORA for the widest selection of fashion apparel you can possibly find.
Use code JAGAYEAREND to get 22% off + 10% cashback with min spend RM180
*Valid from 1st November – 31st December 2021
*Valid for items sold by ZALORA, T&Cs apply
*Valid for new ZALORA customers, for a single usage only
SHARE OUR CORNER 🎁
We will be extremely grateful if you could refer to your family and friends about this newsletter! Of course, we will reward you with our exclusive no-money-can-buy JaGa merch like mask keepers, canvas bags and more! Yes, you read that right! Hit the share button now and help us grow 🥰
Follow us on our social media 👇🏻, especially our TikTok account to know more about our JaGaCrew.
Together let’s make our community better 💕.
And before you go, let us know if you enjoyed reading our newsletter.
We would love to hear from YOU and what you want to read and us to talk about in our next JaGaCorner post!
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