Racheal in Sabah

22/07/2025

Ramai orang ingat kalau gaji tak besar, memang tak boleh beli rumah. Tapi sebenarnya… boleh! 💪Asalkan kita tahu cara dia.

Nah ni 3 tips nya:

✅ 𝟏. 𝐉𝐚𝐠𝐚 𝐃𝐒𝐑 (𝐃𝐞𝐛𝐭 𝐒𝐞𝐫𝐯𝐢𝐜𝐞 𝐑𝐚𝐭𝐢𝐨)
➡️ Pastikan komitmen bulanan tak lebih 60% dari gaji.
🧮 Contoh: Kalau gaji RM3,000, cuba pastikan komitmen tak lebih RM1,800.
📌 Tips: Settle kad kredit, elak buat loan baru sebelum mohon loan rumah.

✅ 𝟐. 𝐂𝐚𝐫𝐢 𝐏𝐫𝐨𝐣𝐞𝐤 𝐘𝐚𝐧𝐠 𝐀𝐝𝐚 𝐒𝐤𝐢𝐦 𝐁𝐚𝐧𝐭𝐮𝐚𝐧
➡️ Contoh: Projek zero deposit, free legal fees, rebate downpayment
💡 Lagi rendah cash keluar, lagi senang lulus — sebab bank tengok juga simpanan.

✅ 𝟑. 𝐉𝐨𝐢𝐧𝐭 𝐋𝐨𝐚𝐧 / 𝐆𝐮𝐚𝐫𝐚𝐧𝐭𝐨𝐫
➡️ Kalau gaji tak cukup, tambah nama pasangan atau ibu bapa.
👩‍❤️‍👨 Income digabung, DSR jadi lebih cantik, peluang lulus lebih tinggi!

💬 Nak saya semak kelayakan loan anda?
Isi form👉 https://form.typeform.com/to/c4ugw7V7 atau
📲 WhatsApp Racheal 👉 www.wasap.my/60176678090/LOANCHECK
Saya bantu kira DSR & cari rumah ikut bajet 🔍🏡

15/07/2025

🌿 ECO PEAK RESIDENCES - Kondo Atas Bukit, View Cantik, Harga Mampu Milik! 🌿
📍 Inobong, Donggongon, Penampang
🏢 Kondo 26 tingkat | 321 unit sahaja
✨ Projek oleh Pinnacle Legacy Sdn Bhd
🚨 UNIT HAMPIR SOLD OUT!

💚 Condo mewah atas bukit – dikelilingi alam semula jadi!

📍 5 minit ke Pekan Donggongon
📍 7 minit ke ITCC
📍 500 meter ke Pan Borneo Highway – senang pigi mana-mana!

🎁 Booking cuma RM500!
✅ FREE yuran guaman S&P & loan
✅ Early Bird Package masih ada – cepat sebelum habis!

🏞️ Apa yang best?

View atas bukit yang cantik

Saiz luas & selesa: Type A – 992 sqft | Type B – 934 sqft

3 Bilik Tidur, 2 Bilik Air

Lengkap dengan kolam renang, gym, sauna, taman air kanak-kanak, jogging track & banyak lagi!

Gated & guarded, siap CCTV – lebih selamat

🏦 Boleh mohon 100% loan LPPSA
🏦 Bank loan untuk swasta & bisnes pun boleh
📄 Kami bantu urus semua dokumen – senang & cepat!

📅 Siap dijangka: 2026
📲 Berminat? PM terus: https://wa.me/60176678090

09/07/2025

https://www.nst.com.my/business/corporate/2025/07/1242178/bank-negara-cuts-opr-275pct-first-move-2023

KUALA LUMPUR: Bank Negara Malaysia has cut the overnight policy rate (OPR) - the benchmark for the country's loan and deposit rates - by 25 basis points to 2.75 per cent.

04/06/2025

🏢✨ ECOPEAK RESIDENCE – FINAL UNITS FROM RM412K ✨🏢
📍 Donggongon, Penampang

🚨 LIMITED UNITS LEFT – ACT FAST! 🚨
Looking for your dream home or a solid investment in Penampang? This is your last chance to own a unit at Ecopeak Residence – where value meets location.

💸 Special Sales Package – Save up to RM39,000!
✅ June Double REBATES!
✅ FREE SPA legal fees (worth RM4,685.25)
✅ FREE Loan Agreement legal fees (worth RM4,216.73)
✅ 1 Parking (+Tandem Parking for level 20>)
✅ FREEHOLD & BUMI LOT available

🏠 Unit Prices After Rebate: From ONLY RM412,005
📐 Sizes from 934 sq.ft to 4,323 sq.ft
📈 High floors, Corner units & Penthouses still available (but selling FAST!)

💥 Legal Fees Worth RM8,900 WAIVED!
Why pay more elsewhere when you can save big and move in soon?

📅 Price updated 29 May 2025 – this is REAL-TIME stock.
Next update? Probably fewer units.

📲 WhatsApp https://wa.link/qptkaq to book your unit.
First come, first served. Don’t miss this opportunity!

RACHEAL HO
FOREWARD REALTY SDN. BHD.
(201901025033) (1334362-M)

01/06/2025

🏡 Mencari rumah selesa & moden di Menggatal?
Residensi Acacia – projek atas tanah CL999, siap dengan kemudahan lengkap & suasana low-density yang tenang.

💥 Fasa 3 kini dibuka untuk jualan!
🏢 4 Tingkat + Lif (bukan walk-up flat ya 😄)
🚘 PERCUMA 1 Parking Beratap
🏠 Saiz Unit:
- Type A 814 sq.ft
- Type B 802 sq.ft

💰 Harga dari RM371,000 sahaja!
📌 Booking Fee hanya RM500
📄 Layak untuk pinjaman penuh & skim SJKP!
😇 Bumi Lot dapat 5% Discount!
✨FREE Stampduty for 1st Homebuyer
‼️FREE SPA Legal Fee
💯FREE Loan Agreement Fee

🏗️ Dibangunkan oleh Maple Milestone Sdn Bhd (SCP Group) – pemaju berpengalaman & dipercayai!

📍 Lokasi strategik di Menggatal – dekat sekolah, pasar, lebuhraya & kemudahan bandar.

📲 Berminat? PM https://wa.link/2dtq52 untuk info lanjut, pelan lantai & semakan kelayakan pinjaman!

Tag kawan atau keluarga yang tengah cari rumah first! 🏡✨

30/05/2025

📍[New Launch] Sipadan Plaza – Semporna, Sabah.
✨OPEN FOR BOOKING NOW!
📩 For full brochure and project details >> https://wa.link/9hhfg3
Sipadan Plaza is a brand-new commercial development located just 5 minutes from Semporna town and 7 minutes to the jetty heading to iconic Sipadan Island! 🌊🐠
✅ 2 & 3-storey commercial shoplots
✅ Designed for tourism-focused businesses
✅ Wide road access & bus drop-off point
✅ 999-year leasehold – rare long-term value
🏝️ 7 Minutes to the Sipadan Jetty
🛍️ High foot traffic from locals & tourists
📈 Great potential for F&B, retail, boutique stays & more
🕌 Joint venture with USIA — a trusted local partner
🏗️ Developed by a subsidiary of public-listed Citaglobal Berhad
Whether you’re an investor or entrepreneur eyeing Sabah’s rising potential – this is one project to seriously consider. 💼✨
📩 For full brochure and project details
Contact me! https://wa.link/9hhfg3
RACHEAL HO
FOREWARD REALTY SDN. BHD.
(201901025033) (1334362-M)