New Strata Title

I saw a new informercial on the latest strata act on national TV. (forget which channel though. It was a cartoonish informercial. Very easy to digest for a lay person). I tried to find in the internet world, but could not find it, else I would like to share this in www.knowthymoney.com for all my readers.

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Property Monopoly

Recently I got a letter in my mailbox. The letter describe how should I price my property if one day i decided to sell it. Honestly, I was very surprised (somehow delighted) that according to the letter, the anonymous people ask a valuer to value my property. It is almost 100% of my purchase price!

Nevertheless, i think the letter delivered to me and my other property neighbors has the following intention:

He/She does not want us to sell down our property below a certain threshold hence spoiling the overall market.

Market is on a bull run even though the KLCI chart is still a downtrend. Penny stocks and any stocks is moving upwards like a rocket!! There is a lot of FREE seminars organized by investment banks, so much that I was invited and will go to 2 different seminar on market outlook this coming weekend. 

Nothing much to do , so go and listen :) P.S Throughout my investing life, I think i been to every single hotel ballroom in the state. Lol...

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Property

There is actually NO much well-kept secret on property investment that you cannot find out by googling or joining some forum/property groups at Facebook for free to learn on how to do property investment.

Here are some of the NOT SO SECRET methods of flipping property investment that people usually employed. I just give a list of summary & keyword , and you can easily go google on it.

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KL scene - I like this picture a lot

I almost finish paying off my 1st car's loan, so with some monthly cashflow available , I was thinking of getting another property for investment purposes.

It takes alot of time to browse thru the normal property website to find good deals since some of the interfaces are not so friendly and cluttered. You need to click here and there, and there is so many buttons appearing. (Maybe I am getting old)

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Tri Pinnacle

This has been a HOT topic among Penangites that wish to own their 1st home. It is affordable housing at RM300K located at the prime location on land limited Island (Tanjung Tokong)!! This is the initiative by the Penang Government.

At RM300K on the Penang Island itself is a rare find these days!! Especially at Tanjung Tokong. However, this being a affordable housing scheme, it comes with restrictions, where I believe you cannot sell this property within 10 years and also if you sell it , you must sell only to eligible buyers that seek affordable housing (hence don't think of it as a house flipping opportunity).  Just have a look at this webpage http://erumah.penang.gov.my/layoutsyaratMM.php

Nevertheless, this is a good opportunity to buy and own your first property at affordable prices, provided of course that you are eligble. 

Good Will Hunting!!

GEORGE TOWN: Penang’s home-grown developer, Aspen Group and Malaysia Building Society Berhad (MBSB) today entered into a historic agreement of Islamic financial facilities to fund the state’s first privately initiated affordable housing project located on prime freehold land at Tanjung Tokong.  

The Tri Pinnacle project, which is endorsed by the State Government and will be open only to buyers registered and approved by the State’s Affordable Housing Department, consists of 390 units of 650 square feet low medium cost apartments priced at RM72,500 each and 859 units of 800 square feet affordable condominiums priced at RM299,000 each.

Aspen Group’s Chief Executive Officer, Dato’ Murly Manokharan and Malaysia Building Society Berhad (MBSB)’s President and Chief Executive Officer, Dato’ Ahmad Zaini Othman inked the agreement of Islamic financial facilities worth RM95.5 million and witnessed by Dato’ Seri Nazir Ariff, Chairman and Executive Director of Aspen Group and Tan Sri Abdul Halim Ali, Chairman of MBSB.

The Islamic financing facilities provided by MBSB to Aspen Group include Islamic Term Financing and Islamic Bridging Financing. The purpose of these facilities is to defray the purchase price of freehold land measuring 9.97 acres at Mount Erskine, Tanjung Tokong, the development construction cost for affordable condominiums and low medium cost apartments. 

Tri Pinnacle, expected to commence construction in the third quarter of this year, will take 36 months to complete. Since it is a private affordable housing project, the developer owns the sole control in areas such as development concept, layout plan and building materials.

“As a new player in the property development industry, Aspen’s vision is to provide affordable, quality homes for all Malaysians. Aspen Group is the first private developer in Penang to initiate such a project and we are proud to contribute significantly in meeting the people’s needs for affordable housing.

”The supports from the government has been overwhelmingly positive and helped us to realize our vision to bring quality modern homes for all Malaysian,” said Dato’ Murly Manokharan during the signing ceremony.

Aspen promises to build and create a sustainable environment for its purchasers and the developer will not cut any of the construction costs while undertaking the project. “The affordable condominiums will be equipped with facilities commonly provided by existing high-rise residential properties,” Dato’ Murly emphasized.

“This collaboration not only enable us to be part of this vibrant project but also contribute to Penang’s property sector. Other than providing financing facilities to Aspen Group, we will also extend an attractive end financing package to its home buyers,” said Dato’ Ahmad Zaini Othman, President and CEO of MBSB.

He added, “At present, MBSB have managed several numbers of property development projects in the island through our contract financing, bridging projects, as well as structured financing initiatives. MBSB’s recent endeavours in Penang include mixed development of residential condominium and commercial properties.”

MBSB has launched new home financing campaigns notably “Special Rate” package and “My First Home Buyer Scheme” uniquely designed for first home buyers. These initiatives are definitely in support towards promoting home ownership in Malaysia.

Building affordable homes on private land is a win-win solution for all parties - eligible homeowners can purchase their dream homes at a reasonable price, private land owners can sell their land and contribute to the community. The State Government, through such Scheme, can meet and fulfil its people’s housing needs.

The Penang State Government, through its Housing Department, will play a primary role in ensuring only genuinely deserving applicants are entitled to purchase the houses. The involvement of the State Government will help to expedite the approval process of qualified buyers while preventing property speculation.

Aspen Group will assist aspiring first-time buyers in submitting their registration forms to the State’s Housing Department in Komtar. Interested members of the public can register at Aspen’s website, www.aspen.com.my or its Facebook page,www.facebook.com/myaspengroup. The eligibility criteria is bound by the conditions, requirements and regulations stipulated by the Penang State Government. The public is encouraged to log in to http://erumah.penang.gov.my/ to understand the stipulated requirements and regulations.

Aspen Group is currently working on several development projects with an estimated GDV of RM2.1 billion. These projects include Tri Pinnacle in Tanjung Tokong, Beacon in Sungai Pinang, HH Residence in Tanjung Bungah, the first phase of Aspen Vision City in Batu Kawan and the first Ikea Store outside Kuala Lumpur, with some targeted for completion within the next five years.

For more information, please contact:
Janice Lim
Assistant Manager, Corporate Communication
04 227 5000 / 012 425 3937
janice@aspen.com.my

Wong Peng Lin
Executive, Corporate Communication
04 227 5000 / 012 425 5020
penglin.wong@aspen.com.my

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Gendo Pose

One of my tenant have not been paying my rent for 3-4 months and counting now as previously he lost his job and only now got a new one. Should I kick him out?

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Death Note

I bet you have heard the latest hottest real estate investment being marketed around. Well, this is not the literal real estate property housing but the entry level is a 5 digit sum. Per square feet wise, it is the most expensive real estate in Malaysia, and some say the whole world.

Well, it is the real estate housing whose occupants once check-in , will never check out.

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low cost house application

Saw that the application starts today: 3,000 forms gone in 5 minutes!! wow. Anyone that knows anyone that is eligible for it, please quickly go apply for a low cost housing so that you don't waste money to paying rent for someone else.

I wonder whether this will give some amount of pressure to the ruling government to start caring for the Rakyat after the countless unfulfilled election promises. Transparency is very important as everyone wants to own their own prices at affordable prices, especially on Penang Island hence the balloting.

Either way, this is a good cooling measure by Penang government, I wonder whether Selangor/KL would implement such measures. Although I think that might hamper some economic growth in the Greater KL area. Penang is a little different as most of its major infrastructure is located on the limited space on the island. 

For example, building/moving the airport to Mainland Penang will drastically shift the economic center of gravity.

http://www.knowthymoney.com/2013/12/new-penang-property-measures-in-2014-to.html

Chief Minister Lim Guan Eng said the Penang Development Corporation has been ordered to build 19,973 low-cost houses, low-medium cost houses and affordable homes in all five districts in the state.

“The state government currently has a RM500mil fund to kickstart the project. To be fair to all, if there are extra units, we will conduct a ballot.

“An auditing firm will be employed to monitor the balloting to ensure there is no misappropriation,” he said.

On the criticism hurled at the state government on the proposed new housing rules, Lim said that they were ready to face any consequences.

“People who want to shoot or lambast us may do so but we will not back down for trying to help first-time house buyers,” Lim told a press conference after launching the event.

Among the 10 locations for the low-cost and affordable housing projects are Jalan S.P. Chelliah, Teluk Kumbar, Jelutong and Pintasan Cecil on the island and in Batu Kawan, Kampung Jawa, Mak Mandin, Ampang Jajar, Bukit Mertajam and Juru on the mainland.

Under the new rules to regulate affordable homes, owners of affordable homes (below RM400,000 on the island and RM250,000 on the mainland) will be barred from reselling them in the first five years.

Owners of public housing (low-cost units and low medium-cost units) bought for RM72,500 or less cannot sell their units within 10 years.

The deadline to submit the application forms for houses in Jalan S.P. Chelliah is March 31 next year. For those applying for houses at other locations, the deadline is June 30.

Those who are interested can also download the form at http://erumah.penang.gov.my.

All application forms can be submitted at Level 3 in Komtar or at the state assemblymen service centres.

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Saw this just posted on the website today!! HOT HOT. Kudos to Lim Guan Eng for coming up with this solution, BAD News for Penang property flippers, especially on item highlighted as RED. 

The measures is somewhat similar to what is done by the Singaporean government. But the Singaporean government takes even more drastic measures to curb foreign money from bubbling up the property scene. My friend wanted to buy a property in Singapore as a investment diversification but found out that there is alot of 'not so encouraging' laws for foreigners to buy property there. (For example, if you are a foreigner and decides to rent out your property to earn passive income, that income is taxed heavily!!. That is what I heard from my friend) However, of course this does not stop the ultra rich china millionaires/billionaires rushing to invest their spare change into Singapore's property market.

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RPGT 2014

Not sure how many people know about this, but every Malaysian is entitled to waive the Real Property Gain Tax once in his/her lifetime. This GOLDEN waiver can save your alot of $$$$ especially if you capital gains from disposing your property is huge.

Since it can only be used once, use your golden ticket wisely, and only use the waiver when you think your capital gain is the highest of them all especially if you are a property investor, or when you are leaving the country for good. 

Good write-up by @ChampDog on the required documents. 

See here: http://financialindependent.blogspot.com/2013/11/real-property-gain-tax-rpgt-tips.html

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With the banning of the DIBS scheme on new developments, and the dreaded RPGT increase, I am now seeing a lot of property gurus now moving into the following trends and propagating these following advice to their followers:

1. Buying 'distressed' properties at auctions

So you are seeing alot of them conducting courses/training on how to bid in an auction, the processes, refinancing tricks (some property books decline to discuss about this super simple method, they deemed it as a "TRADE secret" that can be explained in paid seminars. Here), etc.

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We all need loans 

I don't really think this latest move by Bank Negara will dampened the investor's appetite for flipping properties in Malaysia. They should have tightened more on the loan eligibility requirements. This is not going to tighten the money flowing to investors.

Since this new was announced on Friday after the stock market close, i really wonder whether this will give people reason to sell down coming Monday. Ironically, i saw the following comments from BNM's website. Scared of market  jitters?

Embargo : Not for publication or broadcast before 17 00 hours on Friday 05 July 2013

See below announcements.

Measures to Further Promote a Sound and Sustainable Household Sector

Bank Negara Malaysia announces today, the implementation of a set of measures aimed at avoiding excessive household indebtedness and to reinforce responsible lending practices by key credit providers. These measures, which take effect immediately, complements the earlier measures introduced since 2010 to promote a sound and sustainable household sector.

The measures are:

1. Maximum tenure of 10 years for financing extended for personal use;
2. Maximum tenure of 35 years for financing granted for the purchase of residential and non-residential properties;
3. Prohibition on the offering of pre-approved personal financing products.

The limits on financing tenure will not affect applications made before today.

Household debts have continued to increase at a strong pace, averaging at an annual rate of 12% over the recent five years. While this has been supported by positive income and employment conditions, in the more recent period, there has been a growing trend in the offering of financial products that are not in the long-term interest of consumers. This includes extended financing tenures of up to 45 years for house financing and 25 years for personal financing. While this may reduce the monthly repayments, in the long run, this increases the overall debt burden of households. Such practices encourage excessive debt accumulation by households and increase the vulnerability of this sector.

These measures are issued pursuant to section 31(1)(a) of the Central Bank of Malaysia Act 2009 and apply to all financial institutions regulated by Bank Negara Malaysia, credit cooperatives regulated by the Suruhanjaya Koperasi Malaysia, Malaysia Building Society Berhad and AEON Credit Service (M) Berhad. This is to ensure consistency in the financing practices across all the key credit providers.

In addition to the above measures, the key credit providers are required to observe prudent debt service ratios in their credit assessment to ensure households have sufficient financial buffers to protect them against rising costs and unexpected adverse events. Households who have the financial capacity to take on borrowings will continue to enjoy access to financing. To enhance responsible debt management by households, Bank Negara Malaysia will intensify its efforts in financial education to all segments of society including young and first time borrowers from financial institutions. In addition, the framework for consumer protection will continue to be further strengthened under the Financial Services Act and Islamic Financial Services Act.

 

Bank Negara Malaysia

05 July 2013

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Here are the top 8 things that could make any property owner cry like a girl. Property prices can drop (like hell) drastically because of this 8 problems. Some of the issues are unavoidable while some are avoidable. I will try my best to relate some of the issues I know off.

No.8 Termite

Termite is really a pain the wallet for property owners. This problem is very normal for old properties, hence it is worth every ringgit to hire pet control professionals to nip the issue at the bud. This little buggers can eat your wooden furniture like child's play.

No.7 Ceiling Leaking

Common issue due to the developer's poor workmanship and will severely impact the value of the property especially multiple storey buildings such as apartment & condos. According to the normal practises (after the warranty expires), the higher floor property owners must pay for all damages to his unfortunate occupants below. If penthouse owners aka the highest property owner suffers from this issue, it is the properties' management to rectify the issue.

No.6 Landslide

Even if your property is not affected but located near hill slopes, the price will be also affected. Looking at the recent landslide news at the high end premium locations, new potential buyers will be very very wary to purchase. Thus, the property price will be at a discount.

No.5 Tsunami prone area

Tsunami hit Malaysia before, but the damage is not as severe like in Japan. However, this does not dampen the fear of living in property near the seaside. I know of a property development that at one time was very hot because it has a seaview but now turned into a ghost town development because tsunami managed to reach that area. So, as of now, people refrain from staying at that area, and the prices dived by at least 50%. The properties there is still bleeding and the owners are trying to offload it , even with fully furnished units thrown in.

No.4 Wall Cracks

Usually you will see this after the building is completed like 5-10 years down the road. However, due to the rapid demand for properties, it is not uncommon that alot of rush jobs are being done and quality control got neglected. It saddens me to see the walls starts to crack even before vacant possession.

Picture from chenkf.blogspot.com

No.3 Foreign Worker's Hostel

Some condominium could turned into foreign worker dorms if left unchecked, where a single 700sq feet condo could have like 10++ occupants. Although there is a general perception that this only could happen to low to medium cost apartments or landed properties, this can be the biggest wrong perception that you can have. You are dead wrong. I have seen million dollar properties (landed properties) turned into foreign worker heaven simply because the original owners could not flip or rent out the properties, so this is the easier way out to get some rental capital. 

So this causes a chain effect, and more owners rent them out to more foreign workers since no locals would want to live there for obvious reasons. In the end, the whole area's property prices get depressed. The only solution is to achieve a strong consensus from all the owners at the housing area to restrain from doing these easy money practises. I think it is very hard to do so.

Picture from Stomp

No.2 Neighbours from Hell

No comment on this. Just google and you will see some weird feuds that arise from the smallest of thing.

Number 1: Something Lurking In the Fridge

Well, this is the classic no.1 fear for property owners that rent out their properties or those buying auction/lelong properties. Your rentor decides to leave something that was formerly living when they move out. Neighbours might not smell suspect anything until it is too late. The fridge is also a good mummification machine.

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Ambank Property Mortgage Referral Programme -CLICK to ENLARGE

Saw this promotion by Ambank which offer renumeration for home sellers who recommends the home buyer to finance their residential property from Ambank. 

This is a strategy by Ambank to retain customers and also to attract new customers. Note that new buyers' or sellers', new property financing must be more than RM300K. However, 0.12% rebate is quite smallish (for a minimum RM300K loan, it is only Rm360 rebate). 

Look further in detail here. There is caveat on the early settlement waiver. However, I think this type of waiver is very common & easily negotiable, if a  buyer finances the property using the same bank as the seller.

Note: 
i. The early settlement penalty / charge waiver on Seller’s existing financing amount is subject to the new financing amount of the Buyer and AmBank’s discretion.
ii. The 0.05% lower than current offered rate for Seller’s new financing amount is subject to the prevailing Bank’s Mortgage 
current offered rate at the point of financing submission.
iii. Validity period includes Programme Period and a year after i.e. 15 November 2012 – until 31 March 2014.

Nevertheless, if the stars aligned together, at least you get some rebates under this campaign.

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If Malaysia were to follow Singapore property cooling measures, property prices will surely fall. This is Singapore's 7th cooling measures imposed since 2009. Malaysia only impose 3 cooling measures if I am not mistaken.

If this happen to Bolehland, my take is that property prices will drop like hell from the current prices.

One man's loss is another man's gain.

Since Singapore property prices are locked, where to spend all the money? Likely target is the Iskandar region at Johor and Malaysia as a whole.

So Malaysian, prepare for more property price increase.

Saw the below posting from MartinLee, a blogger from Singapore.

This is the seventh round of cooling measures announced by the Government since 2009 and comes on the back of ever rising public and private property prices.

The measures target more on multiple property owners, PRs and foreigners.

Quick Summary:

• Additional Buyer’s Stamp Duty (ABSD) will be raised between five and seven percentage points across the board for all except for citizens buying their first property.
• ABSD to be imposed on PRs purchasing their 1st residential property and on Singaporeans purchasing their 2nd property.
• For individuals obtaining a second housing loan, the LTV limits will be lowered to 50%, or 30% if the loan tenure exceeds 30 years.
• For individuals obtaining third or subsequent housing loans, LTV will be 40% or 20% if tenure exceeds 30 years.
• For non-individual borrowers, LTV will be lowered to 20%,from 40% previously.
• Minimum cash down payment for individuals who are applying for a 2nd or subsequent housing loan will also be raised from 10% to 25%.
• PRs who own HDB flats will be disallowed for subletting their whole unit.
• PRs will need to sell their HDB within 6 months if they buy a private property.
• Max strata floor area for new EC units to be capped to 160sqm.
• Sales of new dual-key EC units will be restricted to multi-generational families only.
• New sellers stamp duty for industrial property of between 5% and 15%, depending on when it is sold.

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Since property is a hot topic nowadays, so I decided to buy this book "3 Years to a RM10 million Property Portfolio" simply because it had a catchy title and it was wrapped up in plastic.So no browsing T.T

I really dislike Popular Bookstore for wrapping up all their books to prevent people from browsing. It is as though asking me to buy clothes and shorts without testing it out whether it fits!!! Yes, I am very particular about the books that I buy.

At least leave a sample book for customers to browse thru to see whether it is worth to buy it. Maybe there is a lot of people out there is like me: I literally don't buy any books that I can read finish under 1 hours that is my rule!! If I can finish reading something under 1 hours, it means that the book lack anything new that I don't know about.

So what is the book all about??

So the book is about the journey of Dexter Lim and his wife achieving financial freedom thru "No Money Down Method" of buying property. They literally started from ZERO, and with credit card debts mounting. They even started buying the first property with the 10% being funded by credit card. (There is a disclaimer though, as they don't encourage this method. But they were desperate to buy their first property)

So the entire book is about their journey to accumulate more properties and collect positive rental cash flow. I also think that is a good career move that both of them eventually switched their career to something financial related. Dexter switch to become a part time agent while his wife became a mortgage office. (Of course Dexter now surely makes more money doing seminars :P)

And lastly, IMHO Dexter is blessed to have such an understanding girlfriend and then wife who fully supports their investment journey. Trust me, your BED partner is very important to reach personal freedom if you start from scratch.

So where does W.T Kam comes into the picture??

So W.T Kam is actually their mentor and guru into the property foray. Dexter and wife attended his course and in this book, the guru gives his advice on what Dexter did. Whether what he did is correct or did a mistake during his early days.

In the end, like any happy ending book, Dexter and wife ended owning RM10 million portfolio by moving to commercial properties in 3 years!!! 

How To Do Simple Calculations On Property Investment?

What I like about the book which I think is beneficial to the newbies is the "Number for this deal" where Dexter pointed out the value of the property, the value of the down payment and the market value. This is good so that newbies know how to calculate the ROI and potential of the property.

However, something is missing on "the cash out portion of the calculations".Sadly they don't show this in the book, I guess readers need to attend the seminar to know more about this in detail as stated in their book. Perhaps in their next book revision, they would like to include in this info which IMHO no doubt will be useful.

So my personal rating for the book would be 2/5, as I think the book is well written in simple and understandable English and I enjoyed reading Dexter's rags to riches stories. The only cons here is this book is not suitable for advanced property investors like me T.T

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Carl Richards, the financial pro who lose his house

Saw this interesting article about a professional financial advisor that makes a living giving financial advices and planning lose his own house due to his own financial mistakes. It is truly a humbling experience and I salute him for his willing-ness to share his story.

Here is the link: Although the story article is quite old AND long, it can be very relevant to us since we are currently experiencing a persistantly strong property bubble in Malaysia.

http://www.nytimes.com/2011/11/09/business/how-a-financial-pro-lost-his-house.html

http://www.nytimes.com/interactive/2011/11/09/your-money/20111109_CARL.html?ref=business

Developers are rushing to offer new development with 0% DIBS, free S&P, some bulk buyer aka speculators buying in bulk using mark-up prices. And everyone is rushing and queuing up to buy new developments that will take a few years to build.

I know a fact from my banking friends that an certain area near my place should/would have like 3,000 to 4,000 of new units (provided they get completed) coming into the property market in the next 2-4 years. And with the current prices these property fetches, I wonder how astronomically high these speculators "think" their property will be valued.

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Just want to share on how you can DIY the estimation of your property's value:

1. Troll various property forums

2. Call up property agents

3. Stay updated thru your friends, etc

Lastly, IMHO is a good way to roughly estimate the property value for free and   it is highly accurate compared to above:

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Since the budget 2013 is coming soon, there are talks, rumors about the possible action that the government is going to talk to further clamp down the  super dizzying property prices. Hence, the increase of RPGT is in cards. But the question is how much?

Personally, I don't think 30% tax bracket is going to happen. If this were so, the property prices at this moment in time will have a hard landing. Especially in trouble would be future planned development projects. House flipping would not be very profitable (can be painful) and smaller developers would be hit hard. Property related stock counters would be impacted too,  since they are having a good run up in prices in recent years.

In my opinion, another 10% increase of the RPGT will STRONGLY discouraged house flippers whom expects to reap "handsome" return after getting vacant possession. Things to consider when flipping is the lock out period charges, lawyer fees, interests served, etc. All this could reduce your profits. A increase of RPGT will seriously lessen your joy. 

My advice for my junior friends who have yet to own a property:

Why not buy a sub-sale property instead of rushing to grab a piece of property that can only be seen 3-4 years down the road? For the same amount of money or lower, you can easily buy a sub-sale property minus future un-forseen development risks. Use the extra money to renovate if you don't like the designs :) 

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A continuation post from my previous post on the importance of a strata title.

This is a list to watch out for. The property developer's blacklist by the JKPTG. These developer had failed to apply strata title for the owners, aka HIGHLY these developers are problematic. I bet that most these developers have already closed shop and operating under a different company name.

So be highly beware, if you know that the people behind a new development are these same bunch of people. These are the scary part where sometimes a developer launch a development under their "sister" company even though they advertise the launch thru their more famous and well known company name. You can see the "Real" developer company's name in your S&P.

http://www.kptg.gov.my/ms/jkptg-online/laman-berita-terkini/698-senarai-pemaju-yang-gagal-memohon-strata-sehingga-mac-2012.html

 Senarai Pemaju dan Projek Yang Gagal Memohon Hakmilik Strata (Sehingga Mac 2012) 

Maklumat yang Berkaitan :

 Senarai Pemaju dan Projek yang Gagal Memohon Hakmilik Strata (Sehingga Januari 2012 )

 Senarai Pemaju dan Projek Yang Gagal Memohon Hakmilik Strata (Sehingga Januari 2011)

 Senarai Pemaju dan Projek Yang Gagal Memohon Hakmilik Strata (Sehingga Mac 2011)

 Senarai Pemaju dan Projek yang Gagal Memohon Hakmilik Strata (Sehingga Jun 2011 )

 Senarai Pemaju dan Projek Yang Gagal Memohon Hakmilik Strata (Sehingga Julai 2011)

 Senarai Pemaju dan Projek Yang Gagal Memohon Hakmilik Strata (Sehingga September 2011)

 Senarai Pemaju dan Projek Yang Gagal Memohon Hakmilik Strata (Sehingga November 2011)

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