After Keys, Its Paper Work Again

No that we have had the time to sink in that we have picked up our own home, we had decided that we were NOT going to live in it.

The plan was to tear the building down, and rebuild it due to its value which had no interest to us. But as the Subject is, we had to do more paper work in order to move on with our change in ownership.

So here is a list of things you must change to yours from your Sellers name in hierarchy :

1. MBPJ / Your local town council. Most important. Do this within the first month. Its for Assesment Tax / Cukai Taksiran. Failing to do this you could end up with a fine as well.

2. Electricity TNB

3. Water SYABAS

4. Telekom

5. KWSP

In our case we didnt need to inform Telekom just yet as we were planning on demolishing anyway so its fine.

I will break down to you what needs to be done further and what will be needed in order to get your shit sorted.


But even before moving on, I would advise you that PLEASE get these important documents ready, especially for your KWSP withdrawal. Ask these documents to be CTC-ed (Certified True Copy) by your Banks Lawyers :-

1. Geran / Grant

2. KTN 16A

3. KTN 14A

4. Letter of Acceptance for Loan Approval

5. Loan Facility Document (The Agreement you had with Banks Lawyers)

The other documents like the SPA, you would already have it by now.

STEP 1

MBPJ / Your Local Town Council. Change your name of Ownership

Do this first before moving on with Tenaga and Water, get your name changed as soon as you have your KTN 16A and Geran. You will have to pay Cukai Taksiran / Assessment Tax. Your name will be updated in the local Town Council

You will need to call the town council and ask them for a Borang 1 which is NOTIS JUALAN ATAU PINDAH MILIK. In MBPJ This is called a Borang 1. 

So you will call MBPJ or your local town council and ask the receptionist who do you speak to when you need to inform the town council of your new home you have bought and wish to change the name in their files and system so it matches yours. 

You will need to go to MBPJ and bring the following things before filling out Borang 1. Make a copy of these documents for them

1. Copy of Geran 

2. Copy of SPA

Upon filling out Borang 1, it will take about 1 week for them to update their system before you are in.

We filed ours very late, in May 2017. Very close to being 1 year from the date of the SPA signing.

Because we didnt change our names it had in MBPJ that the property still belonged to the previous owner. The previous owner had to pay on our behalf first for Cukai Taksiran. We owed the previous owner a couple of hundred bucks which we have paid. A notification came from our Lawyer

Why is this important ?

You will need to pay your Assesment Tax / Cukai Taksiran which happens once every 6 months. 

What if you dont change your name ?

You could be fined up to RM 2000.00 and the previous owner will still have to pay. 

How long did the whole procedure take ?

Fast. Approximately 10 minutes when you fill up the form, do a little thumb print, etc. 

STEP 2

ELECTRICITY / TENAGA NASIONAL 


Sort these fellas out first

What do I need to bring to Register my new meter ?

1.Geran and

2.SPA Copy.

3.Copy of your IC as well.

They will ask you :

Rumah jenis ape nie ?

This is very important. Because Tenaga is stupid. After telling them our property was a semi detached they still fucked it up and inserted a Bungalow.


How much will it cost ?
When the wife was paying for the deposit they asked RM 1,000 plus. But after clarifying its a single storey semi detached, it came down to something like RM 400 or so. So read these dudes carefully as well.

TNB are the biggest leeches of all overheads with dishonest bills.

So make sure you know the type of house you have because the deposit will depend on if its a single storey, or double, terrace, semi detached or bungalow.

Our previous apartment had 2 units of 1HP airconds, and only 3 lights were used with 1 fan, 1 medium fridge and a microwave. Yet our bills would cost RM 190 on average even when we were only in the apartment Monday to Saturday from 8 PM till 10 AM Daily. Dafuq ?

This is another important question

What happens if I dont change my name ?
Within 2 weeks, you will arrive home and discover your Electricity Meter gone. Tenaga Nasional will come by quietly and remove your meter and when you arrive home to turn on the power, its not there anymore. Tenaga is faster at removing meters than setting up new ones and supplying you electricity.

Why does this happen ?
Because your previous Owner has terminated his / her / their contract with TNB. You will need to start a new one with TNB. Hence TNB Removes the meter and until you call them and pay your deposit for your new meter, thats it folks, no power. I discovered this the hard way and blamed our guards for not seeing my meter stolen. Turns out I was the fool because I didnt know thats what TNB does. But lowyatt people know this everyday because they own 10 or more properties from Cheras to Puchong.

How long will it take to register an account ?
The process of going to TNB is a nuisance always in itself. You will park and head into TNB where loads of people wait for your number to be called. TNB is also known occasionally for System Failure. Wife went twice before getting to register the account. It takes about 1 hour here and with their stupidity of thinking we own a Bungalow like lowyatt people.

Well, an hour isnt so bad, its just that its TNB, rude, incompetent, lack of knowledge over the phone and just all around, unpleasant experience.


How long will it take for them to install a new meter and receive electricity ?
Fucking long. TNB says 1 week, but you will have to have the patience of 2 weeks for them to install the meter in. It took us 2 weeks and even nagging to get things moving. We had to chase till the point of getting the person in charge of installing our meters handphone number as well.

No power ? Nothing moves. Not even your heater.

This is why in hierarchy, TNB is Number 1 for Overheads. Sort these fellas out first.

STEP 3

WATER / SYABAS 

Some hate them, Im ok with them

Same story as well, bring your Geran and SPA Copy. But, bring a copy of your IC as well.

But these guys are the easiest of them all.

Make sure you know the type of house you have because the deposit will depend on if its a single storey, or double, terrace, semi detached or bungalow just like TNB. 

How much will it cost ?

Depends on what you own as a home. In general believe the deposit is RM 90.00 with a Stamp Duty or RM 2.00 and a bit of GST as well. Keep it at RM 100.00

How long will it take to update ?

By your next bill. Its the easiest

What happens if I dont change my name ?

You will have no water supply to the house. Same as TNB, previous owner will cancel their contract.

STEP 4

TELEKOM

Not much to say here

Well cant say much here except I guess you will need your CAT 5 plug ready for Unifi. Get your electrician to sort this out first. Call TM and make sure to let them know a week before your CAT 5 is installed I guess.

STEP 5

KWSP

Can be dungu's, but at the same time, meet the right chap, all is fine. Get your SPA, Geran and KTN 16A Ready and CTC-ed by Lawyers too.

Now considering that we had forked out a shit load of money (sorry, property tycoons and lowyatt folks its cheap lah 633k for you guys), we had to get something back from what we spent on. 

If you do choose to withdraw from EPF/ KWSP here are the documents you will need to bring when you are submitting your claims. 

This by the way is ONLY for people who have bought a house WITH a bank loan. And if you have shared the property purchase with your spouse then a set of the following copy for spouse as well :-

First, head over to KWSP and then request for a form for PENGELUARAN MEMBELI / MEMBINA RUMAH. Fill this form out and prepare the following documents next for submission:-

1. IC 

2. Full Copy of SPA - Cover to Last Page.

3. Bring Original SPA for checking as well - Only for verification

4. CTC (Certified True Copy) of your KTN 16A (Kanun Tanah Negara - GADAIAN) This is your title with the bank you borrowed money with to say You and the Bank own your property

5. KTN 14A - Pindah Milik. This is to say your property has been changed from the previous owner

6. Loan Agreement With Bank CTC'ed by your Banks Lawyer (for them to see the Lot No. etc with address and your names)

7. KWSP Withdrawal form for Account 2 form. Obtained at KWSP itself.

*** At any time, if the officer who checks you asks for any questions, call your lawyer on the spot. Your lawyer has a duty to provide you with any documents missing or not submitted ***

How long will this take ?

At EPF Petaling Jaya, the process took about half an hour. However the system failed 2 times before so we could not go twice. I went 4 times prior because I didnt know that I needed a CTC by our banks lawyer because it was not given to us. 

It took us 2 days before we received these documents from them.Why ? Because they thought we are lowyatt people who have more than 10 properties I guess ? What were they thinking !

How long will this take ?

An officer will be behind his / her desk and will assess your documents for approval. Once he or she is satisfied with your documents, you will be asked to do a thumbprint. Your thumbprint will be done the old fashion way on rubber ink pads and then thats it. Do this with your spouse. It takes about 10 minutes for the kind officers to look through your documents and thumbprint you. Thats it. 

How long will it take before the money is banked into my account ?

Within 2 weeks. We got ours thankfully in 5 days. Kudos KWSP.

~ fin ~

All in all, it had taken us about 7 months to get things working well. A little longer than lowyatt folks and property websites who know better, but I guess thats what the real fucking situation is I guess. Cause lowyatt folks only work from 10 - 4. 

If you really took 3 days off just to really sort your shit out with MBPJ, Tenaga, Syabas, KWSP and Telekoms, it COULD be done but in reality, it depends on "System Failures" as well.

I hope that you will have a better chance than us getting these documents in order. 

Next up, more juice Lowyatt stuff. If you are planning on renovating in PJ, this stuff will be juicy as we are not in July 2017 and have been waiting to tear down this building for a while. 

I will share with you all the horrors that lowyatt folk tell you and the rules lowyatt folk tell you when renovating and why its TRULY hard to get things approved by MBPJ for home renovations. Stay tuned.