IRIS Property Specialist
THE BEST WAY TO FIND YOUR PERFECT HOME
about iris
关于 IRIS
2010 - 2013 (May)
Started my 1st sales career journey as UOB Mortgage Sales Specialist (housing loan)
🌟 2011 🌟
Achieved strong results in Top 3 Nationwide for UOB Triathlon Sales Challenge
🌟 2012 🌟
Won Top Mortgage Specialist Award
2013 (June) - 2015
RHB Sales Team Lead (Direct Sales - Tmn Sentosa Branch). Led a team of 5-6 Mortgage Specialist.
Throughout my sales journey in housing loan mortgage, i have build strong connections with property agents & also some of developer key-man.
2015 - 2018 (Sept)
Started my career as Relationship Manager in RHB Johor Jaya. Key role is taking care of premier client financial portfolio & assisting them to grow their investments providing them updated advise / consultancy on daily market news & growth.
🌟 2018 🌟
Won Best Performing Premier RM Nationwide
🌟 2017 🌟
Won Best Achiever Banca RP (Insurance) Nationwide
AICB ( Asian Institute Chartered bankers ) Licensed Holder
FIMM (Federation of Investment Managers Malaysia) Licensed Holder
2018 (Oct) - Current
Licensed Auctioneer & also Property Auction Specialist
🌟 2020 🌟
Obtained my Auctioneer License
Started my 1st sales career journey as UOB Mortgage Sales Specialist (housing loan)
🌟 2011 🌟
Achieved strong results in Top 3 Nationwide for UOB Triathlon Sales Challenge
🌟 2012 🌟
Won Top Mortgage Specialist Award
2013 (June) - 2015
RHB Sales Team Lead (Direct Sales - Tmn Sentosa Branch). Led a team of 5-6 Mortgage Specialist.
Throughout my sales journey in housing loan mortgage, i have build strong connections with property agents & also some of developer key-man.
2015 - 2018 (Sept)
Started my career as Relationship Manager in RHB Johor Jaya. Key role is taking care of premier client financial portfolio & assisting them to grow their investments providing them updated advise / consultancy on daily market news & growth.
🌟 2018 🌟
Won Best Performing Premier RM Nationwide
🌟 2017 🌟
Won Best Achiever Banca RP (Insurance) Nationwide
AICB ( Asian Institute Chartered bankers ) Licensed Holder
FIMM (Federation of Investment Managers Malaysia) Licensed Holder
2018 (Oct) - Current
Licensed Auctioneer & also Property Auction Specialist
🌟 2020 🌟
Obtained my Auctioneer License
Trying to find the perfect home?
想找到最适合您的房子？
how can we help you?
我们如何帮助您？
I want to be a PARTNER
我想成为合作伙伴 You are welcome to be my partner! Let's discuss further on how we can work together as a team.
Learn MoreI need help in my SEARCH
我需要搜索上的帮助 You are welcome to customized your search! That's what we are here all about.
Learn Moreour services
我们的服务
Bidding on an auction property could be risky, but often comes with great reward if done correctly. So why don't try to ask the professional to help you with it ?
Auction Property Service
拍卖物业服务
You are welcome to seek for our Feng Shui Master's advise! We care for your home investment.
Feng Shui Service
风水咨询服务
Leverage our industry expertise to seamlessly rent or sell your property. Our professionals will ensure optimal returns and a stress-free experience.
Rent / Sell
出租或出售
Simplify your property transactions with expert support.
Bank Loan / Lawyer Services
银行贷款 / 律师服务
f.a.q.
常见问题
What is bank auction
> It is a public sale of property through open and competitive bidding. The property will be sold to the highest bidder. There are 2 types of Auction:
(i) High Court / Land office Auction : Individual Tittle cases
(ii) Bank Auction (LACA) : Master Title cases
(i) High Court / Land office Auction : Individual Tittle cases
(ii) Bank Auction (LACA) : Master Title cases
Who may bid for auction property?
1) Individual bidders who are 18 years of age and above, of sound mind and undischarged bankrupts.
2) Malaysian Holding Company - the majority shareholder of the company must be a Malaysian & Holding more than 51% shareholding.
Qualified bidder may delegate another to act as an agent or representative on his behalf. The delegate is required to submit a Letter of Authority and NRIC card photocopy of the intending purchaser.
2) Malaysian Holding Company - the majority shareholder of the company must be a Malaysian & Holding more than 51% shareholding.
Qualified bidder may delegate another to act as an agent or representative on his behalf. The delegate is required to submit a Letter of Authority and NRIC card photocopy of the intending purchaser.
Where will the auction be held?
> The auction is usually held at the auctioneer's office, High Court or Land Office. Nowadays, due to COVID restrictions most of the bidding will be held online. In order to participate, intended bidder should first register with us 2-3 days before auction date and then request for relevant information about the auction property.
Is there any additional payment to be made on the auction date?
> In the event that the Purchase Price is higher than the Reserve Price, the Purchaser shall immediately deposit a sum equivalent to the difference between Purchase Deposit and the Bidding Deposit (the 'Purchase Deposit Shortfall') either in cash of by way of a valid bank draft or cashier's order drawn in favour of the Bank which together will form the Purchase Deposit.
Also, successful bidder will also have to bear the stamping fee of the sales contract, which cost RM100 or more, subject to auctioneer.
Also, successful bidder will also have to bear the stamping fee of the sales contract, which cost RM100 or more, subject to auctioneer.
Can we obtain bank loan from auction units?
> Yes. Approval based on your income requirements and bank discretion.
What are the cost to take note of during Auction?
> 10% deposit, lawyer fees, outstanding maintenance (mostly will be covered by bank) and utilities (water & electricity) - borne by successful bidder.
Is bank responsible for vacant possession of auctioned unit?
> No. Successful bidder will need to be responsible. However, if the whole Auction procedure was engaged by an agent, we will guide you through this process.
Can we view the house/any pictures?
> Yes, you can view from outside only. No viewing is allowed inside the unit.
What happens to my deposit if bank loan not approved?
> 10% deposit will be forfeited. So is advisable for you to get a pre-approval from banks first before you go for bidding.
What are the Bank Auction Procedures?
- Inspect the property
- Obtain & review POS ( Proclamation of Sale)
- Loan checking & Due Diligence
- Register for bidding with Iris Lua ,017-7327868
- Standby relevant documents & bid on auction date
- Collect auction contract ( if successful bid )
- Preparation of Bank application & Legal services
What are the Income Docs required for loan submission?
Salaried
Self-employed
- Latest 3/6 months payslips
- Bank Statements which salary creditted
- EPF statement
- Latest tax returns with tax receipt
- Saving proofs ~FD , Investment, saving account
Self-employed
- Business Registration forms
- 2 years tax returns with tax payment receipt
- 6 months bank statements
- Saving proofs
What document do I need for loan under Company?
1) Full set SSM and CTC by company secretary
2) Three years accounting report or auditor report
3) six months company bank statement
4) Three years LHDN documents
5) Property documents
6) All beneficial owner IC
2) Three years accounting report or auditor report
3) six months company bank statement
4) Three years LHDN documents
5) Property documents
6) All beneficial owner IC
What criteria do I need for loan assessment?
1. Debt Service Ratio (preferably not exceeding 60% if net income earned) (net income= after deducting statutory expenses such as EPF,Socso and Tax)
2. Source of Wealth (at least 10-20% of the loan amount)
3. Repayment track record (refer to CSIS report)
4. Loan Margin
Housing Loan = 85-90% of CMV/SPA price (whichever is lower)
Shop/Factory Loan = 80-85% of CMV/SPA price (whichever is lower)
2. Source of Wealth (at least 10-20% of the loan amount)
3. Repayment track record (refer to CSIS report)
4. Loan Margin
Housing Loan = 85-90% of CMV/SPA price (whichever is lower)
Shop/Factory Loan = 80-85% of CMV/SPA price (whichever is lower)
什么是房地产公开拍卖？
> 这是通过公开竞标的方式公开出售房地产。该房地产将出售给出价最高的人。拍卖有两种类型：
(i) 高等法院/土地局拍卖：个别地契案例
(ii) 银行拍卖 (LACA) : 主要地契案例
(i) 高等法院/土地局拍卖：个别地契案例
(ii) 银行拍卖 (LACA) : 主要地契案例
谁可以参与房地产拍卖的竞标？
1) 年满18岁以上、或不是未偿清债务的破产者； 的个人投标人都可以参加拍卖竞标。
2) 马来西亚控股公司- 公司的大股东必须是马来西亚人并持有超过 51% 的股权。
合格的投标人可以委托他人代为代理或代表。代表必须提交有意购买者的授权书和身份证复印件。
2) 马来西亚控股公司- 公司的大股东必须是马来西亚人并持有超过 51% 的股权。
合格的投标人可以委托他人代为代理或代表。代表必须提交有意购买者的授权书和身份证复印件。
拍卖会在哪里举行？
> 拍卖通常在拍卖师办公室、高等法院或土地局举行。如今，由于新冠疫情的限制，大部分招标将在网上进行。如有意参与，投标人应首先在拍卖日期前的2-3天向我们注册，然后要求提供所拍卖房地产的相关信息。
拍卖当日是否需要额外支付？
> 如果购买价高于拍卖底价，买方应立即支付购买价定金与投标定金之间的差额（或称“购买定金差额”），无论是以现金或其他有效的方式，比如以银行为受益人的银行汇票或银行本票，它们都可以成为购买定金。
此外，中标者还必须承担销售合同的印花费，费用介于 RM100 或以上，以拍卖师为准。
此外，中标者还必须承担销售合同的印花费，费用介于 RM100 或以上，以拍卖师为准。
我们可以为拍卖的单位申请银行贷款吗？
> 可以。根据您的收入要求和银行酌情决定批准。
拍卖期间需要注意哪些费用？
> 10% 的定金、律师费、未偿维护（大部分由银行支付）和公用设施（水电），皆由中标者承担。
银行是否会对拍卖单位的交空屋进行负责？
> 不会。中标者需要自行负责。但是，如果整个拍卖程序是由代理人参与的，我们将指导您完成此过程。
我们可以预先看房子/参考任何照片吗？
> 可以，但只能从外面观看。禁止进入单位内参观。
如果银行贷款未获批准，我的定金将会如何？
> 10% 的定金将被没收。因此，建议您在进行投标之前先获得银行的预先批准。
银行拍卖程序是怎样的？
1. 检查物业
2. 获取并查看 POS（销售公告）
3. 贷款检查和尽职调查
4. 向 Iris Lua 注册投标，017-7327868
5. 备用相关文件及拍卖日出价
6. 收取拍卖合同（如中标）
7. 准备银行申请和法律服务
2. 获取并查看 POS（销售公告）
3. 贷款检查和尽职调查
4. 向 Iris Lua 注册投标，017-7327868
5. 备用相关文件及拍卖日出价
6. 收取拍卖合同（如中标）
7. 准备银行申请和法律服务
提交贷款需要哪些收入文件？
受薪
- 最近 3到6 个月的工资单
- 记入工资的银行对账单
- 公积金局声明
- 带有税单的最新报税表
- 储蓄证明〜FD，
- 投资，储蓄账户
自雇人士
- 业登记表格
- 2年纳税申报单和纳税收据
- 6个月银行对账单
- 保存证明
公司贷款需要什么文件？
1）公司秘书提供全套SSM和CTC
2) 三年会计报告或审计报告
3) 六个月的公司银行对账单
4) 三年 LHDN 文件
5) 财产文件
6) 所有实益拥有人 IC
2) 三年会计报告或审计报告
3) 六个月的公司银行对账单
4) 三年 LHDN 文件
5) 财产文件
6) 所有实益拥有人 IC
贷款评估需要什么标准？
1. 偿债率（如果赚取的净收入最好不超过60%）（净收入=扣除EPF、Socso和Tax等法定费用后）
2. 财富来源（至少贷款额的10-20%）
3.还款记录（参考CSIS报告）
4. 贷款保证金
住房贷款 = CMV/SPA 价格的 85-90%（以较低者为准）
商店/工厂贷款 = CMV/SPA 价格的 80-85%（以较低者为准）
2. 财富来源（至少贷款额的10-20%）
3.还款记录（参考CSIS报告）
4. 贷款保证金
住房贷款 = CMV/SPA 价格的 85-90%（以较低者为准）
商店/工厂贷款 = CMV/SPA 价格的 80-85%（以较低者为准）
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contact
联络方式
- Level 20-04, Menara Landmark, Jalan Ngee Heng, 80000 Johor Bahru, Johor, Malaysia