關於 project residential homes ，我們在網路上蒐集到這些相關的討論、資訊與評價

"A house is made of walls and beams; a home is built with love and dreams" Love this Quote by Ralph Waldo Emerson. 🏠🏠
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For me, my home is my sanctuary. Home is where love resides, memories are created, friends always belong & laughter never ends. A home that is a reflection of me & my family. 💞💞
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Having said that, sourcing for the right property to buy is no easy task, especially for first-time house buyers. Buying property is one of the most significant financial investments in an individual’s life. It's important to do a lot of background research for a good trusted developer. 🧐🧐
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One must look for a reliable & reputable property developer with a solid track record to delivering quality finishing homes in time, thus giving us total peace of mind. Choosing the right developer who has a proven track record of excellent projects can save you from wasting a lot of money & heartache in case something unfortunate happens! 🤔🤔
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Recently, I discovered that Binastra Land, a Multi-Award-Winning Lifestyle Developer has just announced the early completion & handover of not one, but two of their latest residential projects, namely CitiZen 2 & Sinaran Project, 13 & 22 months in advance respectively. 🤩🤩
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An impressive feat indeed, amid the coronavirus pandemic, Binastra Land has proven well with persistence & consistency in speedy project delivery as one of the most reliable developers in town. 👏👏
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Oh yes, do check out their 2 latest developments that just launch this year: Trion & Trion 2 located at a premier address at KL city centre. Selling fast now; grab it before it gets sold out! 😉😉
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Stay tuned for their other projects at Website https://binastra.com.my or Facebook Page https://www.facebook.com/BinastraLand
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#FollowMeToEatLa
#MultiAwardWinningDeveloper
#BestDeveloper
#BinastraMY
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10 tips beli rumah . jom ruang kan masa membaca . tak salah kita menambah ilmu . 😊

1. Pilih Loan Yang Betul
Pastikan loan pertama yang anak muda buat dengan bank adalah loan rumah. Bukan loan kereta. Ini adalah kerana loan kereta akan menyebabkan komitmen anak muda semakin tinggi dan kelayakan di pihak bank untuk beli rumah semakin berkurangan. (Kalau nak pakai kereta jugak, pastikan guna nama orang abang, kakak, atau ayah. Asalkan bukan nama kita. Nak senang lagi, mintak nak...
Continue Reading10 tips to buy a house. Let's space the time to read. It's not wrong for us to add knowledge. 😊

1. Choose The Right Loan
Ensure the first loan that young people do with the bank is a house loan. Not a car loan. This is because car loans will lead to young people's commitments getting higher and the qualifiers on the bank to buy houses are reducing. (If you want to use a car, make sure to use the name of your brother, sister, or father. As long as it's not our name. Want to be easy again, asking to continue paying their car)

2. Use Company Accounts As CashFlow
If young people do business, make sure that customers bank in to the company account. Not a personal account of young people. If the customer banks into a personal account, it will NOT be counted as INCOME. So, lose it there. If anyone missed it, transfer back to the company account with a note ′′ CASH SALES ". If you are eating your salary, and within the same time your own business, register the company. ENTERPRISE is enough.

3. Pay KWSP
If young people are doing their own business, make sure to set your salary for yourself and pay your own business. When applying for loan bank later, there will be 2 types of income of young people. That is income from business, and income from your own salary. For salary payment, use company check to pay. Avoid transfer online only. And make sure to make Payslip and cop together.

4. Don't Influence ASB Loan and Personal Loan
Don't be quick to take ASB Loan or Personal Loan. Because this type of Loan is always the factor that leads to our home bank rejected loans. If you want to take ASB Loan too, make sure that after passing your home loan, then take it once. For me, if you plan to buy a second property, don't take an ASB loan anymore. Because usually the bank will offer us after we pass our first home loan. (but it's different if your income is big, if just taking ASB Loan and monthly payments doesn't give a big effect on your DSR, it's okay.

5. Buy First Home For Investment
For the first home, make sure you buy for investment purposes. Why did I say that? Because if young people buy to sit by themselves, it will be a expenses for young people. It's different if young people buy it in cash. Investment is also divided into two. Either Cash Flow or Capital Gain. If young people choose to cash flow investment. It means young people rent the house to others. Ensure the rent given is nothing less than the bank's monthly payment. Another one is Capital Gain. This means, young people buy a house at a certain period, and when the value of the house increases, young people sell / flip the house and get profit from the sale. This way is called Capital Gain.

6. Don't Combine The Name Of Husband Wife When Buying
Avoid combine the name of husband and wife while buying a house. This is because, everyone is only eligible to get a 90 % loan for two houses only. If the 70th house, only get a loan for 70 %. This means, if you follow the rules, a couple of wives will be able to buy 4 houses. But if combine the name, it will be only 2 houses to get a loan of 90 %. So, you'll lose it. The right rule for a husband and wife is... Buy 4 houses, 1 to sit alone, and 3 more for rent. It's a profit from renting that house to pay monthly for the house that you sit. Isn't it like sitting like that?

7. Ensure CCRIS Records CLEAN
CCRIS record is a record from Bank Negara that collects our debts with financial institutions in Malaysia. To make it easier for you before you decide to make a home loan, make sure you check your own CCRIS record first. Later you'll see your debt list and next to your monthly payment list. If it's 0, it means your record is clean. You're a man of mind. If it's 1, this means there's 1 months out, then 2,3,4 and so on. The way to check is to go to the National Bank and use the machines provided. Or now can apply online only. I'll show you the other day.

8. Three Types Of Home You Need To Know
There are three types of homes you can buy.
FIRST - undercons house (meaning under construction). Usually undercons homes are suitable for people who plan on FLIPPING (Selling) when they're done. If you're looking for a house with discount 7%, then you just need to remove 3 % capital. If you can find a house that gets 10 % discount, then you don't need to withdraw the capital to pay deposit.
BOTH - House of subsale. (means the house is done and has someone else's name). For this type of subsale house, a very large capital is required. If the house is RM500, 000, then a deposit of RM50, 000 is required. Added again with legal fees, etc.
THIRD - Auction House. Among these three types, auction houses are at very high risk. But it's okay.. high risk, the return is high.. If winning auction bid is much cheaper than market price, you'll be lucky.. For auction types, you need to study in terms of market value, house state, neighborhood and others before committing to join the bid. If you ask me, I'd rather buy a UNDERCONS house. 😊

9. Buy Undercons Home
If you choose to buy a house under cons, then choose a big developer. Examples like SP Loyal, IJM Land, Sime Darby, Worldwide and others. The first reason why to choose this developer is less risk. Meaning, the risk for abandoned projects is very low. If you choose a developer with no name, the risk is very high because they may lack capital or have other problems and cause the project can be abandoned. We will lose too later.
Second reason, if a big developer, they usually provide many benefits to their property buyers. For example, 5 %- 10 %, free air conditioner, alarm system, vinyl floor and more. Additionally, big developers will usually provide plenty of facilities in a residential park that they are developing. Look at SP Loyal example. So lucky people buy a house in this nature. How many new facilities they get. For example, there are malls, mosques, banks, parks, and more.

10. Buy Following Skills
Buy a house according to ability. Don't follow the lust. Yerlah, sometimes we are affected by friends who buy big houses, we also want to buy a big house. Loan may be able to pass.. but when entering the monthly payment chapter, it's really burdening you. Monthly commitment is higher than the income you get. Last-last, outstanding! So, to avoid this happening, before deciding to buy any house, make sure you count first about your monthly income ability to pay the house later.

11. Extra Tips
It's normal if loan for the first house, the bank wants to see your CCRIS record. Depends on some banks too. If you have never made a loan with a bank, then your ccris record is empty. And banks can't judge how discipline you are on loan payment. So, if this problem happens to you, there are 2 ways you can do it.
FIRST, you apply credit card and use it. The way to use the correct credit card is, swipe during the day, and at night keep paying back the credit card. This is to prevent you from forgetting to pay.
, make personal loan in the lowest amout in Easy RHB. This way, the bank will see a track record that you are a good debt payer.Translated

See how our research demystifies the land politics of the northern New Territories

本組向HK Magazine專題提供了反對新界北淪陷的重要理據，而新界東北正正就是撐住新界融合戰的橋頭堡!
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[cover story] What Will Happen to the New Territories?
http://hk.asia-city.com/…/…/what-will-happen-new-territories

The government’s little-publicized plans for developing the northeastern New Territories are much bigger than it would have you believe—under the current plans, huge tracts of green land will be turned to concrete. Grace Tsoi takes a closer look at the many complex issues and concerns surrounding the project.

On September 2, while secondary school students were hunger striking at Tamar, a smaller-scale but equally vociferous protest was being staged. Several hundred villagers from Kwu Tung North, Fanling North, Ping Che and Ta Kwu Ling also staked out the government offices. They chanted slogans protesting against demolition and removal—their homes are slated to be destroyed, according to the government’s plan to develop the northeastern New Territories.

The development plan is not a new one. As early as 1998, former Chief Executive Tung Chee-hwa floated the idea to develop Kwu Tung North, Fanling North, Ping Che and Ta Kwu Leng into three new development areas (NDAs). However, the plan was halted due to a slower-than-expected population expansion in 2003. Then in 2007, Donald Tsang restarted the Hong Kong 2030 Planning Vision and Strategy scheme, and the Northeastern New Territories were again slated to be developed. The three NDAs will total 787 hectares, of which 533 hectares will be built upon. The consultation was done in the dark, and the majority of the public only learnt of the development plan at the last stage of the consultation. Originally the consultation was set to conclude at the end of August, but due to staunch opposition, the government has extended the deadline until the end of September. Here, we line out the many problems and shortcomings of the government’s plans.

Can It Satisfy Housing Demand?

The government backs up the development plan by stating that more homes will be built in the northeast New Territories—an appealing idea in the wake of rocketing house prices. Around 54,000 homes will be built, with 40 percent of the flats set aside for public housing. During her tenure as Secretary for Development, Carrie Lam said the ratio of public housing should be kept at less than 50 percent in order to avoid a repeat of the disastrous Tin Shui Wai new town in Yuen Long. “The problem with Tin Shui Wai is not that there is too much public housing. It is because of the monopolies [for example, the community is served only be The Link and Li Ka-shing’s shopping malls and there are very few independent vendors] and insufficient jobs for the working class. Even hawking is prohibited,” says Chan Kim-ching, a researcher from Local Research Community, a think-tank focusing on urban planning. On the other hand, the project’s 21,600 public housing flats, which will be made available by the year 2022, don’t even come close to satisfying the government’s target of building 15,000 public housing homes per year. We have to ask—is getting rid of all this precious green space worth it? On the private housing side, low-density homes will be built. However, it is questionable whether these flats will be affordable for the majority of the Hong Kong public—Chan worries that they will be snapped up by mainland buyers instead of satisfying local housing needs.

Overestimating Population Growth

In order to justify the project, the government has, once again, cited population growth in its push to build more housing. A government press release states: “According to the latest population projections, there will be an increase of about 1.4 million people in the coming 30 years. There is still a strong demand for land for housing and economic development.” However, the Census and Statistics Department has a track record of overestimating Hong Kong’s population growth. In 2002, the department predicted that Hong Kong’s population would hit 7.53 million by 2011. But today, Hong Kong’s population is 7.14 million—way off government estimates. The department itself has also lowered its population estimates. In 2004, it predicted that Hong Kong’s population would surge to 8.72 million by mid-2031. But latest predictions stand at 8.47 million by mid-2041. So if the government’s predictions are not accurate and consistent, how can it justify such a large-scale development?

Non-indigenous Villagers Lose Out

It is estimated that more than 10,000 villagers will be affected by the plan, and that more than 10 villages will be demolished. Almost all of the villages that are under threat are largely inhabited by non-indigenous villagers. Non-indigenous villagers migrated to Hong Kong after World War II. They farmed in the New Territories and built their homes near their fields. However, they are not landowners because land in the New Territories belongs to indigenous villagers. So even though the non-indigenous villagers have lived in the area for decades, according to authorities, they have no rights to the land. “The most ridiculous thing is, even though non-indigenous villagers have been living there for 50 or 60 years, their houses are still classified as squatter huts, a temporary form of housing. The authorities don’t recognize their housing rights… Non-indigenous villagers are easy targets of bullying because their rights are not protected by law,” says Chan.

Although it is the non-indigenous villagers who will be most affected by the development plans, no one sought to gain their input. In fact, the first and second phases of the consultation, which were conducted in 2009 and 2010, did not actively engage them at all. “The villagers of Ping Che did not know about the plan before—they only learned of the plan when they were invited to a poon choi banquet hosted by gleeful indigenous villagers. Some of the elderly villagers attended, and they were only told at the feast that the celebration was because the government would claim the land for development. They only learned that they would have to move at the banquet,” Chan says.

Unlike urban renewal projects, the government has not conducted any studies to investigate how many villagers are going to be affected; neither has it come up with any compensation or resettlement plans for the affected villagers. The only thing the government has done is to carve out a 3.2 hectare parcel of land in Kwu Tung North, where a public housing project will accommodate the non-indigenous villagers.

Meanwhile, indigenous villagers are set to reap huge profits. All the land in the new Territories land is either owned by indigenous villagers or property developers. As the government has allocated $40 billion to buy land, it is certain that indigenous villagers will pocket part of the money. To add insult to injury, while their non-indigenous counterparts face the demolition of homes, the indigenous villages will be kept largely intact. Also, the government has saved land for the future expansion of indigenous villages. Within the three NDAs, around six hectares of land has been set aside for this purpose.

Loss of Farmland

Another inevitable consequence of developing the New Territories is the loss of farmland. A spokesperson of the Planning Department tells HK Magazine that 22 hectares of land under active cultivation will be affected by the development. That figure is significantly lower than estimates by environmental groups, which have come up with the figure of 98 hectares. “The government data refers to the land being farmed currently, but we focus on arable land. When we talk about arable land, it also includes abandoned land which has the potential to be rehabilitated. It is for sure that the government has not included such land in its figure of 22 hectares. From the perspective of agricultural development, abandoned land can be rehabilitated. So why don’t we protect and rehabilitate this land?” says Roy Ng, the Conservancy Association’s senior campaign officer.

Displaced Farmers

The government has pledged to maintain a total of 54 hectares as agricultural zones. However, 37 of these so-called “protected” hectares are found in Long Valley, a well-established and very active farming area. The government plans to relocate many of the farmers who have been displaced by the project to Long Valley, a move that’s bound to cause friction between agriculturalists. “If we move all the affected farmers to Long Valley, it means that some of the farmers [who are already] in Long Valley have to move away,” Ng says. “The agricultural practices of the farmers are very different. In Long Valley, most of the farmers are growing wetland crops. But most farmland in Ping Che and Ta Kwu Ling is not wetland… If we move all these farmers to wetland areas, it may have an adverse impact on the conservation of Long Valley.”





Word on the Street

Villagers are fighting for the right to remain in th eir homes, undisturbed by government intervention. Here’s what they have to say.

I have been living in Ping Che for almost five decades, and all my children were born there. Ping Che is a large village, where thousands of people reside. We only knew that our village would be demolished a few months ago, and we only caught wind of some rumors before. Ping Che is spacious, and we grow produce for ourselves. When we first came to Ping Che, it was a primitive place. We have been renting land from the villagers since then. And Ping Che has become a beautiful village due to our efforts. I don’t want to see our village be destroyed. My children have grown up, and they don’t want to move out either.
Amy, 50s, Ping Che resident



Our family has been living in Kwu Tong for three generations. Two years ago, we found out that our land had to be claimed back [by the government]. The development plan had been formulated for a long time, but the officials never told us about it. We were shocked to learn of the plan, and we think the government has kept the plan in the dark. There are a few hundred villagers, and we all know each other. Even though I am young, I love the rural life a lot. I lived in private buildings in Fanling for more than two years as it was closer to my school. The feeling was very different. In our village, everyone says hi to each other; we even know the name of each dog! [In Fanling], I didn’t know my neighbors, and I didn’t even notice when they moved away. I hope our village will not be demolished because we want to keep our lifestyle. We will continue to fight for our rights.
Hiu Ching, 18, Kwu Tung North resident



I have never joined any protest. This is my first time because the government wants to take away the land from our village. The officials never consulted us, and it seems that we have to comply with every order of the government. There are fruit trees in front of our house, and the trees are 20 to 30 years old. We get all kinds of fruits to eat. Lychee, longan, jackfruit, aloe and melons…you name it. It’s no different from an orchard. When we were kids, we didn’t need to close our doors because we would just go next door to play with other children. A lot of structures are very old, and they are our heritage. We have gotten used to the rural way of living, and it’s difficult for us to adapt to a city life. We don’t want any compensation. There are many elderly people in our village, and they have been living here for decades. For those skeptics who think that we are only demanding more compensation, try to think from our perspectives. We have been living here for decades, and our home will be lost!
Mr. Lee, 30, Kwu Tung North resident


Development By Numbers

An outline of the redevelopment plans by region.

1. Kwu Tong, Fanling North, Ping Che/Tai Koo Leng New Development Areas (NDAs)
Size: 533 hectares.
Progress: Stage 3 of public engagement.

2. Hung Sui Kiu NDA
No outline development plan has been released, but it will be turned into an NDA that caters a population of 160,000. The government will also save land for the development of “Six Industries”—testing and certification, medical services, innovation and technology, cultural and creative industries, environmental industries and education services.
Size: 790 hectares.
Progress: Stage 2 of public engagement to be commenced; in operation by 2024.

3. Lok Ma Chau Loop
Once the property of Shenzhen, the Loop was allocated to Hong Kong after realignment of the Shenzhen river in 1997. The area will be turned into a higher education zone.
Size: About 87 hectares.
Progress: Stage 2 of public engagement completed; in operation by 2020.

4. Liangtang/Heung Yuen Wai Boundary Control Point
Progress: construction will start in 2013; in operation by 2018.

5. Frontier Closed Area (FCA)
Established by the British for strategic reasons, the FCA will be downsized and land will be released for development. Due to the area’s history, it hasn’t been touched by any development.
Use: A country park will be designated near Robin’s Nest. Other areas are zoned as green belt and for agricultural uses. But a comprehensive development zone and residential areas are designated for Hung Lung Hang. Hoo Hok Wai, another ecologically sensitive area that occupies 240 hectares, is zoned under “other specific uses,” which also means that further development is possible.
Size: 2,400 hectares.
Progress: 740 hectares of FCA has already been opened up in the first phase.

6. Southern Yuen Long
The government is planning to build housing—both private and public—in the area.
Size: About 200 hectares.
Progress: The Development Bureau will conduct an Environmental Impact Assessment (EIA), planning and engineering study at the same time. In operation by 2015.

7. Sha Lo Tung
It has been earmarked as one of the 12 sites of ecological importance. The site is an important habitat for butterflies and fireflies. Under the government’s Public-Private Partnership scheme, the developer wants to build a columbarium with 60,000 niches, while establishing an ecological reserve.
Size: The columbarium is set to be four hectares in size.
Progress: The EIA has already been completed, but the Advisory Council on the Environment halted the decision.

8. Nam Shen Wai
Another spot for the Public-Private Partnership scheme. The developer is planning to build 1,600 housing units, including 600 Home Ownership Scheme flats, in the southern part. It also wants to build elderly care homes to increase the social care elements. The Northern part of Nam Shen Wai and Lut Chau will be designated as a conservation area. Green groups oppose the plan because parts of the wetland will be lost.
Size: 121 hectares.
Progress: The EIA has been completed. The application will be submitted to the Town Planning Board in September.

9. Fung Lok Wai
The area is also classified as one of 12 areas with significant ecological value. Five percent of the land will accommodate luxury homes, while 95 percent of land will be turned into a conservation area. Fung Lok Wai is very close to Mai Po.
Size: 4.1 hectares (development area).
Progress: Awaiting a decision from the Town Planning Board.

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