Motivasi, Pendidikan, Perniagaan, Kewangan Peribadi

Apa Itu Investment Holding Company (IHC)?

Ada yang bertanya saya, apa itu Investment Holding Company atau ringkasnya IHC?

IHC ni kebiasaannya digunakan oleh pelabur-pelabur hartanah yang dah ‘advance’ tapi saya dapat tahu ramai juga yang begitu ‘excited’ nak buka IHC company ni…

Tapi saya kira IHC bukan untuk semua orang dan 95% pelabur TIDAK SEPATUTNYA membuka IHC tapi mereka buka IHC sebab dapat nasihat yang tidak tepat…  teorinya je nampak cantik…

Berikut saya ‘share’ perkongsian dari Shafie Bustan – salah seorang OTAI hartanah ‘Underground’ yang disegani ramai…apa taknye…dah lebih 15 tahun beliau berkecimpung dalam pelaburan hartanah.

Ini pandangan telus beliau :

IHC …perlu atau tidak ???
=====================
Ada soalan hangat sekarang ini …
Berkaitan dengan IHC ….
Aku ingatkan kenapa lah ….
Topik ihc ni dah lama tenggelam …
Lately nie jer keluar soalan pada aku …
Bertanyakan …
Patut kah ada ihc …..
Aku tengok tengok ….
Patut lah topik ini naik balik …
Rupanya ada group yang tengah promote kaw kaw guna fb ads ….
Ahahaha ….
Persoalan sama ada perlu atau tidak …
Tidak boleh dijawap secara general …
Ianya bergantung pada financial dan capacity masing masing….
Ini antara point point yang korang kena ambil kira …
.
📌 Perlu tahu apa objective penubuhan ihc tersebut …
Untuk apa ….
Ihc adalah investment company ….
Kalau nak beli sebuah atau dua buah property …
Tak perlu lah nak ada ihc …
Pembelian rumah low cost tidak boleh guna nama company …
Jangan korang register ihc untuk beli rumah rumah low cost lak …
Haahahaha …..
.
📌 Perlu tahu capacity …
Dari segi modal …
Berapa cash ada untuk nak ada ihc …
Nak buat company 2 ringgit memang senang …
Tapi nak buat company ada paid up capital rm100k …
Ada modal ke tak ….
.
📌 Perlu sedar commitment sekarang
Nama individu sudah banyak loan atau tidak …
Committment dah berapa tinggi …
Apabila director nak dijadikan sebagai guarantor …
Kurang dari 2 tahun dari penubuhan company …
Kalau director tu high committment …
Tak dapat juga loan tu nanti ….
.
📌 Margin of Financing
Untuk company … margin of financing tidak lah setinggi invidivu iaitu rumah pertama dan kedua layak 90% ….
Untuk IHC cuma 80% dan ke bawah …
Biasa range MOF untuk IHC adalah antara 70% ke 60% … dan tempoh pinjaman selama 25 tahun saja …
Jika korang belum beli rumah lagi ….
Gunakan saja lah capacity individu dulu …
Tak payah nak terkejar kejar nak ada IHC …
.
📌 Kos transfer nama individu ke IHC
Ada yang beritau … nak clearkan nama individu disebabkan loan yang tinggi …
Boleh transfer ke nama company ….
Di sini perlu tahu kos yang terlibat …
Perlu sign SNP …
Legal fees nye … loan agreement fees … MOT nya….
Jika company kurang dari 2 tahun …
Macam mana IHC tu nak ada loan sendiri …
Nak guna nama director sebagai guarantor pun tak boleh kerana dah high committment ….
Korang kira lah total legal cost yang terlibat …
Kalau hartanah harga rm200k ….
Rm15k dah tentu untuk cover legal fees …
Pastu kalau margin of financing ihc dapat 70% saja …
Lagi nak kena top up cash untuk fullsettlement loan atas nama individu nanti …
Ahahaha…
.
📌 Perlu tahu kos kos yang terlibat
Apa kita nak buat … mesti tau kos terlebih dahulu .mm
Diawal penubuhan …
Setup kos untuk IHC …
Perlu bayar rm2500 ke Rm3k …
.
📌 Perlu tahu kos company secretary
Setiap bulan kena bayar com sec rm70 ke rm80 …
Kalau setahun berapa dah dekat rm1k …
Tu belum kira kos kalau ada panggil annual general meeting … AGM … atau EGM ..extraordinary meeting …
.
📌 Setiap tahun ada kos accountant dan auditor
Untuk buat financial statement …
Profit and loss …
Balance sheet ..
Perlu lah bayar accountant dan auditor ….
Berapa pulak kos nya …
Dalam rm5k setahun tak lari ….
Bergantung pada transaction tu banyak ke tak ….
.
📌 Company kena declare income tax
Dan kos kos operasi yang lain juga perlu di ambil kira …
Bayar gaji staff lagi …
Unless korang memang tak nak bayar gaji staff lah …
Ahahaha ….
.
📌 Overhead kos
Sewa office kalau ada …
Agak agak bila di totalkan …
Berapa setahun korang perlu kan untuk nak tanggung kos IHC tersebut ….
Kurang kurang rm10k atau lebih buang begitu saja lah ….
.
📌 Tengok balik berapa banyak hartanah korang ada …
Berapa positive cashflow untuk sebuah rumah …
Untuk nak tampung kos adanya IHC tu ….
Tengok balik …. berapa rumah korang dah beli ….
Kalau kurang 5 buah hartanah …
Aku suggest guna nama individu dulu je lah dude ….
Aku boleh jamin …
Kalau korang dengar gebanggg yang indah indah IHC ….
Kalau boleh … waktu tu juga nak ada ihc ….
Tapi dari praktikal nya …
Dari segi implementation nye …
Tidak semudah yang korang sangka ….
Jangan nanti korang menyesal …
Tak pasal pasal ada biawak hidup yang terpaksa korang tanggung ….
Sekian saja buat kali ini ….
Cantik BMW ni kan …

bmw
Agak agak korang …
IHC boleh bayarkan tak …
Ahahahha ….

– Shafie Bustan a.k.a Pie2020

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