Balik kampung sempana Hari Raya Aidilfitri pada Jun, 2019, sempat singgah ke gerai makan tepi jalan yang menjual roti canai yang sedap.
Roti canai kuah dal
Roti Canai Sedap di Kota Bahru
Malaysia Leasehold Property Auction Type
While reading Lowyat forum, I found that there are 2 types of leasehold property auction.
So I googled to understand further and below are the summary.
Type of Leasehold Auctions
- Loan Agreement Cum Assignment (LACA) auctions
- Non-Loan Agreement Cum Assignment (non-LACA) auctions
Non LACA (high court / land office)
Meaning individual strata title completed. Non bumi can buy from bumi owner (non bumi lot unit).
LACA (public auction)
Meaning still under master title or individual strata title yet to complete (beware the need to do double transfer) depend on the developer. need to check with developer because developer hold the title.
Developer can still convert bumi owner unit into bumi lot if they suddenly oversell the project to non bumi and fail to meet the bumi quota.
For some projects, maybe developer already paid up the penalty to the authority. Meaning majority units already being converted into open unit. No longer got bumi quota.
So conclusion, only developer holds the answer to your question if the lelong unit fall under this case.
Comparison Summary
| Items | Non-LACA | LACA |
|---|---|---|
| Strata Title Completed | Yes. Title perfection done | No. Still master title or title issued but perfection not done |
| Title owned by Who? | Previous Owner (Proprietor) | Developer or Previous Owner (but not yet fully completed) |
| Where Auctions Are Conducted | High Court / Land Office | Public Auction |
| Balance Purchase Price to be settled in (days) | 120 | 90 |
| Any potential problems? | No | Yes. Double transfer of strata title required by developer or The developer has transferred the property to the previous proprietor, and now the case was stucked at the proprietor and not transferred to the defendant (property owner) because the owner has not settled the legal fees and stamp duty. |
| Potential Additional Cost? | No | Might have to pay twice stamp duty for previous owner and the buyer. (Please confirm with your lawyer) |
Example of Impact
A question from Lowyat Forumer
I bought an auction unit and taken up a loan. Now my bank don't want to release the loan balance sum because the Letter of Confirmation and Undertaking stated that Strata Title is not yet been issued and that the developer is disagreed with a direct transfer and once the Strata title is out they will transfer to the first buyer name. Now my bank don't want to release the loan balance sum because of the disagree direct transfer. Why developer don't agreed to direct transfer? How to go about it if really can't direct transfer? What document do i have to follow up?
Answer:
Your lawyer should advice you better regarding the process. Same like sub sale whereby if developer disagreed to do direct transfer. Then you need to do double transfer.
In sub sale, the seller is responsible to settle the first transfer from developer to his/her name. But for auction, you need to do that and bear all cost involve which is legal fees + stamp duty / MOT to transfer the title from developer to the defaulter or bank first. Then only transfer another time to your name.
It is time consuming and cost consuming. Process may take 1 year especially if the property is leasehold. To extend the auction due date (90 or 120 days) will be up to the goodwill of the auction back whether to impose penalty/interest or not.
Conclusion
Try to avoid LACA auction except you are cash buyer and factor in additional cost to transfer the strata title.
References:
https://forum.lowyat.net/topic/4431314/+1780
https://www.propertyguru.com.my/property-guides/guide-to-property-auctions-malaysia-16482
NodeJS Reading and Writing to WordPress PHP via Rest API
I developed NodeJS program that can read and write to WordPress Rest API. I’m having problem of reading or writing properly the data in NodeJS and WordPress and vice versa.
NodeJS Writes JSON Objects to WordPress Rest API
Any JSON String[] or Object[], will be saved into serialized PHP string by WordPress.
Surprisingly, when NodeJS read the data save in serialize string, NodeJS can read it as JSON object without needs to call JSON.parse().
However JSON Object, will be saved as string by WordPress but still follows JSON string format.
As the JSON Object is saved as string, when NodeJS read the data via WordPress Rest API, NodeJS has to call JSON.parse() to convert it back into JSON Object.
Examples of JSON Object saved by WordPress Rest API
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NodeJS JSON String[]: [ '019-3312 493' ] Saved in Wordress PHP MySQL as PHP Serialize string: a:1:{i:0;s:12:"019-3312 493";} NodeJS JSON Object[]: [ { day: 'monday', open: '8:00 AM', close: '10:00 PM' }, { day: 'tuesday', open: '8:00 AM', close: '10:00 PM' }, { day: 'wednesday', open: '8:00 AM', close: '10:00 PM' }, { day: 'thursday', open: '8:00 AM', close: '10:00 PM' }, { day: 'friday', open: '8:00 AM', close: '10:00 PM' }, { day: 'saturday', open: '8:00 AM', close: '10:00 PM' }, { day: 'sunday', open: '8:00 AM', close: '10:00 PM' } ] Saved as string that follows JSON Object format in Wordpress PHP MySQL a:7:{i:0;a:3:{s:3:"day";s:6:"monday";s:4:"open";s:7:"8:00 AM";s:5:"close";s:8:"10:00 PM";}i:1;a:3:{s:3:"day";s:7:"tuesday";s:4:"open";s:7:"8:00 AM";s:5:"close";s:8:"10:00 PM";}i:2;a:3:{s:3:"day";s:9:"wednesday";s:4:"open";s:7:"8:00 AM";s:5:"close";s:8:"10:00 PM";}i:3;a:3:{s:3:"day";s:8:"thursday";s:4:"open";s:7:"8:00 AM";s:5:"close";s:8:"10:00 PM";}i:4;a:3:{s:3:"day";s:6:"friday";s:4:"open";s:7:"8:00 AM";s:5:"close";s:8:"10:00 PM";}i:5;a:3:{s:3:"day";s:8:"saturday";s:4:"open";s:7:"8:00 AM";s:5:"close";s:8:"10:00 PM";}i:6;a:3:{s:3:"day";s:6:"sunday";s:4:"open";s:7:"8:00 AM";s:5:"close";s:8:"10:00 PM";}} NodeJS JSON Object: { open24h: true, hasbreakfast: true, hasdrivethru: false, delivery: true, selfcollect: true, haswifi: true } Saved as string that follows JSON Object format in Wordpress PHP MySQL {"open24h":true,"hasbreakfast":true,"hasdrivethru":false,"delivery":true,"selfcollect":true,"haswifi":true} |
How To Have Consistency?
By having JSON arrays save as PHP serialize string and JSON object as string in PHP, I need to have do extra checking or conversion by calling JSON.parse()
Another possible solution is to call JSON.stringify() to JSON arrays so it is saved as string at PHP. However, it is still extra step that we need to do and it doesn’t solve the problem stated above where there is no consistency.
So, in short there is no possible solution to have consistency, we still need to do extra step as mentioned above.
PHP Serialize String and JSON Object
I’m not really understand difference between PHP serialize string and JSON object.
I notice PHP when stored data inside database is in PHP serialize string format. Serialize string is only available in PHP, hence it is not interoperable with NodeJS.
Hence, I did simple comparison for better understanding in order to make my NodeJS can read and write PHP data and vice versa.
PHP Array Conversion to PHP Serialize String and JSON Object
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//convert PHP array to serialize string and JSON object $array = array( '1' => 'elem 1', '2'=> 'elem 2', '3'=>' elem 3'); $serialized = serialize($array); print_r($serialized); //expected output - serialize string: a:3:{i:1;s:6:"elem 1";i:2;s:6:"elem 2";i:3;s:7:" elem 3";} $json = json_encode($array); print_r($json); //expected output - JSON object: {"1":"elem 1","2":"elem 2","3":" elem 3"} //convert back to PHP array $unserialized = unserialize($serialized); print_r($unserialized); //expected output - unserialized: Array ( [1] => elem 1 [2] => elem 2 [3] => elem 3 ) $decoded1 = json_decode($json); print_r($decoded1); //expected output - decoded into PHP object: stdClass Object ( [1] => elem 1 [2] => elem 2 [3] => elem 3 ) $decoded2 = json_decode($json, true); print_r($decoded2); //expected output - decoded into PHP array: Array ( [1] => elem 1 [2] => elem 2 [3] => elem 3 ) |
PHP Object Conversion to PHP Serialize String and JSON Object
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$object = new stdClass(); $object->name = 'Here we go'; $object->message = 'Hello world'; $serialized = serialize($object); print_r($serialized); //expected output - serialize string: O:8:"stdClass":2:{s:4:"name";s:10:"Here we go";s:7:"message";s:11:"Hello world";} $json = json_encode($object); print_r($json); //expected output - json object: {"name":"Here we go","message":"Hello world"} $unserialized = unserialize($serialized); print_r($unserialized); //expected output - unserialized: stdClass Object ( [name] => Here we go [message] => Hello world ) $decoded = json_decode($json); print_r($decoded); //expected output - decoded JSON: stdClass Object ( [name] => Here we go [message] => Hello world ) $decoded2 = json_decode($json, true); print_r($decoded2); //expected output - decoded JSON: Array ( [name] => Here we go [message] => Hello world ) |
PHP Array of Object Conversion to PHP Serialize String and JSON Object
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$object1 = new stdClass(); $object1->color = 'blue'; $object1->type = 'suv'; $object2 = new stdClass(); $object2->color = 'white'; $object2->type = 'mpv'; $arrObjects = array($object1, $object2); $serialized = serialize($arrObjects); print_r($serialized); //expected output - serialize: a:2:{i:0;O:8:"stdClass":2:{s:5:"color";s:4:"blue";s:4:"type";s:3:"suv";}i:1;O:8:"stdClass":2:{s:5:"color";s:5:"white";s:4:"type";s:3:"mpv";}} $json = json_encode($arrObjects); print_r($json); //expected output - JSON: [{"color":"blue","type":"suv"},{"color":"white","type":"mpv"}] $unserialized = unserialize($serialized); print_r($unserialized); //expected output - unserialize: Array ( [0] => stdClass Object ( [color] => blue [type] => suv ) [1] => stdClass Object ( [color] => white [type] => mpv ) ) $decoded = json_decode($json); print_r($decoded); //expected output - decoded: Array ( [0] => stdClass Object ( [color] => blue [type] => suv ) [1] => stdClass Object ( [color] => white [type] => mpv ) ) $decoded2 = json_decode($json, true); print_r($decoded2); //expected output - decoded with true: Array ( [0] => Array ( [color] => blue [type] => suv ) [1] => Array ( [color] => white [type] => mpv ) ) |
Web Scraping – How To Get Hidden Data API that is Embedded in Google Map
I would like to get KFC Malaysia outlets that are located on top of Google Map. I tried using a scraper tool but it always gives me empty result.
So I have to find the hidden outlets API to retrieve it. I’m using Google Chrome to find the hidden data API.
Steps
1) Go to https://kfc.com.my/find-a-kfc/
2) Click on the outlets to view its details information.
3) Right click on the outlet’s information box and click Inspect.
4) You will see new window at bottom or right panel of your Chrome browser. Then click Network tab. The tab will be empty
5) Refresh your browser and you will see, it is populated with files and their types.
6) Sort by type and look for “fetch” type
7) Click on the file link and new window will appear. Click on “Response” tab.
Find until you see JSON format with outlet information. In KFC case, I found the file name is store?xxxxxxxx (xx denotes numbers)
8) You can also click “Preview” tab to see prettified JSON format.
9) After found the file that provides the outlets data, right click on the file and Copy -> Copy link address
10) Paste the link to a new browser tab and you can see the link
- In KFC case it is, https://kfc.com.my/api/v2/store?1588173941864
- You will see the response as below
11) Write a code that read the API and parse the JSON data
- I’m using NodeJS and save it as CSV file.
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import rp from 'request-promise'; const createCsvWriter = require('csv-writer').createObjectCsvWriter; (async function() { const records = await rp("https://kfc.com.my/api/v2/store?1588173941864"); const rows = JSON.parse(records); const csvWriter = createCsvWriter({ path: '/path-to-save/kfc.csv', header: [ {id: 'id', title: 'ID'}, {id: 'name', title: 'Name'}, {id: 'address', title: 'Address'}, {id: 'phone', title: 'Phone'}, {id: 'open24h', title: 'Open 24 Hr'}, {id: 'hasbreakfast', title: 'Has Breakfast'}, {id: 'hasdrivethru', title: 'Has Drive Thru'}, {id: 'delivery', title: 'Delivery'}, {id: 'selfcollect', title: 'Self Collect'}, {id: 'haswifi', title: 'Has Wifi'}, {id: 'weekdayopen', title: 'Weekday Open'}, {id: 'weekdayclose', title: 'Weekday Close'}, {id: 'weekendopen', title: 'Weekend Open'}, {id: 'weekendclose', title: 'Weekend Close'}, {id: 'latitude', title: 'Latitude'}, {id: 'longitude', title: 'Longitude'} ] }); await csvWriter.writeRecords(rows); }()); |
11) Sample CSV Output
- From the CSV, KFC Malaysia has 712 outlets as of 29/04/2020.
QGIS How To Create Hexagon Grid Based on Selangor State Boundary
GIS hexagon grid can be created using QGIS. In this case I’m using QGIS version 2.18.15.
First of all, you must have a boundary layer. I’m using Selangor parliamentary boundary.
Steps to Create Hexagon Grid
1) Enable the Processing Toolbox
View -> Panel -> Toolbox
2) From the Processing Toolbox, select Create Grid
3) After setting the configuration as follows, click run:
- Grid type: Hexagon
- Grid extent: Select canvas and choose Selangor boundary or your boundary layer.
-
QGIS Use Extent Selangor Parliamentary - Horizontal / Vertical spacing: 0.025 (means 0.025km)
- Grid CRS: EPSG 4326 (or popularly known as WGS 84 where Google Map use this CRS)
4) After click Run, a hexagon grid layer will appear as follows:
5) Select Vector -> Research Tools -> Select by Location
6) Input the Configuratoin for Select by Location as follows, then click Run:
- Layer to select: Your Hexagon Grid Layer
- Additional layer (intersection layer): Your boundary layer in my case Selangor parliamentary
- Geometric predicate: choose intersects, contains, touches, overlaps
7)Then click Select Features using an expression -> Invert Feature Selection
8)After inversion, your hexagon grid would look like below:
9) Click Toggle Editing (pencil icon) then Delete (trash icon)
10) Final output would look like this
How To Reduce Al Rajhi Housing Loan Principal
If you have extra money and want to reduce your housing loan principal with Al Rajhi bank, below are the steps.
Steps to Reduce Housing Loan Principal
- Send an official letter to Al Rajhi,
- state the amount to reduce principal
- state your saving account number with Al Rajhi
- state your housing loan account number
- authorize Al Rajhi to deduct the amount from your saving account with Al Rajhi
- sign the letter
- Ensure the amount is in your Al Rajhi bank account
- Email the soft copy letter to customersupport@alrajhibank.com.my
- Ensure Al Rajhi provide you with acknowledgement
- There is no minimum amount to reduce the principal
- It takes 7 working days to process
Notes
This information is verified as of 31st March 2020, when I made a call to Al Rajhi call centre. Better to double confirm with Al Rajhi regarding your housing loan.
To take or No Loan Moratorium due to Covid 19
Due to Covid 19, Malaysian government decided to give loan moratorium for 6 months starting April till September 2020.
The moratorium applied to all banks under Bank Negara Malaysia and for individuals and SME who have housing loan, car loans or business loans. The moratorium will accrue all profit/interest from the loan.
At same time all commercial banks decided not to compound the interest accrued during this 6 months.
The moratorium is to ease financial burden to all affected Malaysians.
Let say we decided to take the moratorium. I would like to analyze for housing loan only.
So what we shall do the additional fund from the 6 months moratorium?
1) Use it if you really need it
2) Save it for emergency fund
3) Use it, to reduce your loan principal
Use The Saving from 6 Months Moratorium to Reduce Your Loan Principal
I would like to simulate what is the best way to reduce your principal. Options available as follows:
1) Use the accumulated fund to pay the principal by the end of moratorium
2) Use the monthly installment to reduce principal on monthly basis
Assumptions:
Loan Amount: RM100,000
Tenure: 30 years
Interest: 5% per annum
Monthly Installment: RM536.82
If no moratorium, the principal should be RM99,272 based on the amortization table.
1) Use the Accumulated Fund to Pay Principal by The End of Moratorium
| No | Month | Principal (RM) | Profit / Interest (RM) |
|---|---|---|---|
| 1 | April 2020 | 100,000 | 416.67 |
| 2 | May 2020 | 100,000 | 416.67 |
| 3 | June 2020 | 100,000 | 416.67 |
| 4 | July 2020 | 100,000 | 416.67 |
| 5 | August 2020 | 100,000 | 416.67 |
| 6 | September 2020 | 100,000 | 416.67 |
After 6 months:-
The accrued profit / interest: RM2,500
The accumulated fund saved from the monthly payment is: RM3,220.92
2) Use the Monthly Installment to Pay Principal On Monthly Basis
| No | Month | Principal (RM) | Profit / Interest (RM) |
|---|---|---|---|
| 1 | April 2020 | 100,000.00 | 416.67 |
| 2 | May 2020 | 99,463.18 | 414.43 |
| 3 | June 2020 | 98,926.36 | 412.19 |
| 4 | July 2020 | 98,389.54 | 409.96 |
| 5 | August 2020 | 97,852.72 | 407.72 |
| 6 | September 2020 | 97,315.90 | 405.48 |
After 6 months:-
The accrued profit / interest: RM2,466.45
The accumulated fund saved from the monthly payment is: 0
Which Option Is Better?
| Principal | Amount after 6 Months (RM) | Comparison vs Do Nothing |
|---|---|---|
| Do nothing - principal amount based on normal amortization | 99,272 | 100.00% |
| Use the accumulated fund to pay the principal by the end of moratorium | 99,279 | 100.01% |
| Use the monthly installment to reduce principal on monthly basis | 99,246 | 99.97% |
There is not much difference in term of principal reduction.
Option (2) Use the monthly installment to pay principal on Monthly Basis is marginally better where it can reduce principal by 0.03%
How It Is Calculated?
Use the accumulated fund to pay the principal by the end of moratorium:
RM99,279 = RM100,000 (principal) + RM2,500 (accumulated interest) – RM3,220.92 (accumulated fund during 6 months moratorium)
Use the monthly installment to reduce principal on monthly basis:
RM99,246 = RM97,315.90 (principal on month 6) – RM536.82 (assuming reduce principal before starts interest charging from month 6 installment) + RM2,466.45 (accumulated interest)
How To Pay Outstanding Purchases At Maybank Stocks Online Trading Platform
Recently, I bought shares using Maybank Stocks Online Trading Platform. After purchasing the shares, I didn’t know how to pay for my purchases.
When I googled, I coudn’t find any useful help or information on how to make payment of my outstanding purchases. At the end, I had to make a call to Maybank call centre and get help.
According to Maybank, I must contact my stocks dealer to settle the payment via Maybank2u and my stock dealer informed me step by step on how to do it.
Before follow my steps, better call your dealer first. If you don’t know or remember your dealer phone number, you can contact Maybank help line (03 2297 8888) and they will provide you the dealer name and contact.
Steps to make payment on Outstanding Purchases
- Login to Maybank2u
- Select Pay & Transfer
- Select New Payment
- Select Maybank Investment Bank Berhad
- Enter your trading account number in “Trading Acct. No.”
- Enter your “Bill Reference No.”. Fill in:-
- TRUST – you will be transferring your money in Maybank Investment Bank account. (your trust account will be tagged with your trading account)
- Inform your dealer and share the receipt.
Remember to check that your Outstanding Purchase is cleared after the payment.
List of Malaysian Banks Giving Loan Moratorium Due to Covid 19
Due to Covid 19, lots of Malaysian and businesses are facing financial hardships. Fortunately we have our banking sector who is pro active in giving loan moratorium.
Loan moratorium is delay in paying your loan installments. In Malaysia, banks are giving 6 months loan moratorium.
List of Malaysian Banks That Give Loan Moratorium
list of malaysian banks offers loan moratorium due to covid 19
Where To Apply Loan Moratorium
**Latest update, your loans are automatically entitled for moratorium but you can opt out.
Below are the links that I found where you can apply online for loan moratorium.