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12 Perkara Yang Anda Perlu Tahu Sebelum Refinance Rumah

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Banyak hutang? Apa kata Refinance Rumah? 12 Perkara Yang Anda Perlu Tahu Sebelum Refinance Rumah 2019</h1>
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Perkara-Perkara Penting Refinance Rumah 2019</h1>
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<em style="box-sizing: border-box;">Seakan sudah menjadi lumrah manusia sekarang yang berbelanja lebih dari kemampuan. Gaji sebulan RM3000 tapi berbelanja sehingga RM5000 sebulan. Macamana boleh jadi begitu?</em></div>
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Tentunya, ada yang menggunakan Personal Loan ataupun Kad Kredit dahulu, apabila Personal loan dan Kad Kredit dah guna sampai maksimum baru kalut mencari duit untuk bayar balik.</div>
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Kami di <a href="http://www.malaysiahousingloan.com/" style="box-sizing: border-box; color: #549f97; text-decoration-line: none; transition-duration: 0.2s; transition-property: color, background-color, border-color; transition-timing-function: linear;">Malaysiahousingloan</a> tidak menggalakkan pelanggan memaksimakan kedudukan kewangan, tetapi andai kata anda memerlukan jalan keluar untuk mengurangkan pembayaran balik bulanan, mungkin bolehlah menggunakan cara refinance rumah ini.</div>
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Hakikatnya, ramai memilih Refinance Rumah untuk mendapatkan tunai. Tapi macamana nak buat?</div>
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<span style="box-sizing: border-box; font-weight: 700;"><span style="box-sizing: border-box; color: blue;">1. Memiliki Rumah</span></span><br style="box-sizing: border-box;" />Nama pun <a href="http://malaysiahousingloan.com/5-cara-bijak-untuk-refinance-rumah/" style="box-sizing: border-box; color: #549f97; text-decoration-line: none; transition-duration: 0.2s; transition-property: color, background-color, border-color; transition-timing-function: linear;">Refinance Rumah</a>, kalau takde rumah macamana nak refinance rumah, betul tak? Seeloknya rumah tu nama anda atau kalau nama mak ayah pun takpe, masih boleh buat joint loan.</div>
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<span style="box-sizing: border-box; font-weight: 700;"><span style="box-sizing: border-box; color: blue;">2. Research Harga Pasaran Rumah</span></span><br style="box-sizing: border-box;" />Macamana nak research? Senang je… Cuba google alamat rumah dan taip ” for sale”, mungkin akan ada search yang keluar. Contoh, kalau nama condo ialah Pelangi Condo, taip je “Pelangi Condo for sale”, akan keluar search berapa harga rumah sekarang. Dari harga rumah tu, bolehlah agak-agak sikit.</div>
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Ataupun, kalau nampak banner agen rumah disekitar rumah, bolehlah tanya agent berapa harga rumah dikawasan anda. Agent rumah yang selalu beroperasi dikawasan rumah anda mungkin akan tahu.</div>
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<em style="box-sizing: border-box;">Kenapa nak check value rumah, Melissa?</em><br style="box-sizing: border-box;" />Check value rumah sebab just nak pastikan harga value lagi tinggi dari jumlah hutang bank. Kalau sebaliknya, no point untuk buat refinance rumah.</div>
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<span style="box-sizing: border-box; font-weight: 700;"><span style="box-sizing: border-box; color: blue;">3. Cetak CCRIS Report</span></span><br style="box-sizing: border-box;" />Sebelum nak buat pinjaman apa-apa pun, pastikan CCRIS Report dah cetak. CCRIS report nie akan tunjuk semua hutang-piutang dengan semua bank.</div>
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Bila anda buat pinjaman dengan bank baru untuk <a href="http://malaysiahousingloan.com/5-cara-bijak-untuk-refinance-rumah/" style="box-sizing: border-box; color: #549f97; text-decoration-line: none; transition-duration: 0.2s; transition-property: color, background-color, border-color; transition-timing-function: linear;">refinance rumah</a>, bank baru nie akan menganalisis latar belakang kewangan anda. Dia akan tengok gaji dan komitmen dalam CCRIS. Mereka akan memastikan yang anda layak untuk membuat pinjaman.</div>
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Lagi satu dia akan tengok jugak, bulan-bulan bayaran cantik tak? ada sangkut bayar tak? Kalau yang ada sangkut bayar lebih dari 2 bulan tu, selalunya susah sikit nak dapat kelulusan. Oleh itu, Melissa nasihatkan kalau anda rasa macam akan susah “bernafas”pada bulan-bulan akan datang, baik buat dulu refinance rumah. Jangan tunggu dah sangkut baru apply, macam tu susah nak lepas.</div>
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<span style="box-sizing: border-box; font-weight: 700;"><span style="box-sizing: border-box; color: blue;">4. Check Kelayakkan Untuk Dapat Loan</span></span><br style="box-sizing: border-box;" />Bahagian nie, memang ramai yang tak pandai kira sendiri. Seelok-eloknya suruhlah banker ataupun Mortgage Consultant macam Melissa atau David nie untuk kira. Selalunya David yang kira, bab-bab nie dia memang pandai ^.^</div>
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Bila dah kira, baru tahu berapa boleh pinjam dan juga akan tahu dapat cash tunai berapa. Lepas tu bolehlah kira boleh tak bayar hutang yang sedia ada.</div>
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<span style="box-sizing: border-box; color: blue;"><span style="box-sizing: border-box; font-weight: 700;">5. Permohonan Pinjaman Perumahan</span></span><br style="box-sizing: border-box;" />Bila dah buat step 1-4, barulah boleh memohon pinjaman <a href="http://malaysiahousingloan.com/5-cara-bijak-untuk-refinance-rumah/" style="box-sizing: border-box; color: #549f97; text-decoration-line: none; transition-duration: 0.2s; transition-property: color, background-color, border-color; transition-timing-function: linear;">refinance rumah</a> dengan bank. Selalunya seminggu dah boleh tahu keputusannya, tapi kalau bank nak dokumen lebih untuk support mungkin akan ambik masa yang lama lagi.</div>
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Pada tahap nie, anda bolehlah apply terus dengan bank ataupun guna khidmat <a href="http://www.malaysiahousingloan.com/" style="box-sizing: border-box; color: #549f97; text-decoration-line: none; transition-duration: 0.2s; transition-property: color, background-color, border-color; transition-timing-function: linear;">MalaysiaHousingLoan.</a>Kami akan tolong menganalisis bank letter offer. Kat Letter offer tu banyak benda yang perlu berhati-hati, so Melissa/David akan terangkan lebih lanjut dan juga membuat perbandingan offer mana yg paling best.</div>
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Kalau dah approve, barulah semua confirm. Tapi perlu ingat proses penuh <a href="http://malaysiahousingloan.com/5-cara-bijak-untuk-refinance-rumah/" style="box-sizing: border-box; color: #549f97; text-decoration-line: none; transition-duration: 0.2s; transition-property: color, background-color, border-color; transition-timing-function: linear;">refinance rumah</a>, mungkin akan mengambil masa diantara 3 hingga 6 bulan. Tanah Leasehold yang dah ada geran akan mengambil masa yang lama. Freehold selalunya ambik masa 3-4 bulan.</div>
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<span style="box-sizing: border-box; font-weight: 700;"><span style="box-sizing: border-box; color: blue;">6. MRTA vs MLTA</span></span><br style="box-sizing: border-box;" />MRTA dan MLTA adalah insurance yang memberi perlindungan terhadap peminjam. Ingat! bukan perlindungan keatas rumah. MRTA dan MLTA nie selalunya optional. Tapi, ada jugak bank yg wajibkan MRTA ini. Kadang-kadang kalau beli MRTA, interest rate boleh murah sikit. MLTA pulak selalunya perlindungan insurance yang dibeli diluar. MLTA agak mahal dari MRTA tapi coverage MLTA adalah lebih bagus dari MRTA.</div>
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* Kalau nak tahu lebih lanjut pasal MRTA atau MLTA, bolehlah consult kami sebab kami ada menjual product ini. Perlindungan takaful MRTT atau MLTT pun ada.</div>
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<span style="box-sizing: border-box; color: blue;"><span style="box-sizing: border-box; font-weight: 700;">7. Jenis-jenis Produk Pinjaman Perumahan</span></span><br style="box-sizing: border-box;" />Produk pinjaman perumahan nie memang banyak. Pada awalnya, pastikan anda tahu samaada memerlukan Islamic atau conventional loan.</div>
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Lepas tu, baru tengok nak flexi loan, semi-flexi loan atau term loan. Semuanya berbeza. Setiap jenis produk pinjaman perumahan ini, akan ada feesnya. Oleh itu, tanya banker tu yang mana ada fees bulanan dan yang mana takde.</div>
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Selalunya orang yang buat bisness memang gemar full flexi, sebabnya dia banyak duit keluar masuk. Setiap kali duit yg masuk boleh menjimatkan interest. Tetapi, full flexi ada fee bulanan RM10. Ada yang tak suka, sebab setahun dah RM120.</div>
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Untuk Semi-Flexi, selalunya yang bekerja macam kita nie. Nak jimat interest tapi taklah selalu keluar masuk duit. So, Semi-flexi mungkin lebih sesuai sb bank cuma charge fee bila keluarkan duit, feesnya dari RM25-50, tengok bank mana.</div>
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Term loan nie ramai yag tak suka.Sebab takde kelebihan untuk keluarkan duit yang dibayar lebih ke bank.</div>
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<span style="box-sizing: border-box; color: blue;"><span style="box-sizing: border-box; font-weight: 700;">8. Lock-in Period Kena Ambik Tahu</span></span><br style="box-sizing: border-box;" />Selalunya setiap bank loan offer ada lock-in period. Yang paling biasa bank akan lock dalam masa 3 tahun. Tapi ada jugak case yang lock sampai 5 tahun. Kalau dapat No lock-in lagi best.</div>
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Lock-in period nie leceh bila nak jual rumah ataupun refinance balik. Kalau buat masa lock-in period, nanti kena bayar penalty dalam 3% dari loan amount. Kadang-kadang jumlahnya agak besar dan tidak berbaloi.</div>
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<span style="box-sizing: border-box; color: blue;"><span style="box-sizing: border-box; font-weight: 700;">9. Tandatangan Bank Offer Letter</span></span><br style="box-sizing: border-box;" />Kalau semua dah faham dan rasa boleh terima syarat-syarat bank, turukanlah tandatangan anda secepat mungkin. Sebab proces untuk siap process refinance nie agak panjang. Mungkin dalan 3-6 bulan. Lagi lambat anda sign, lagi lambat dapat duit.</div>
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<span style="box-sizing: border-box; color: blue;"><span style="box-sizing: border-box; font-weight: 700;">10. Sign Dengan Bank Lawyer</span></span><br style="box-sizing: border-box;" />Bila offer letter dah sign. Banker akan suruh bank lawyer untuk start buat loan dokumen. Bila dah siap, bank lawyer akan suruh anda datang untuk sign. Dokumen tu semua tebal-tebal, selalunya memang standard je… Kalau ada yang tak puas hati, bank takkan tukar pun. Anda kena ikut syarat mereka kalau nak meminjam.</div>
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Lepas tu, lawyer akan selesaikan proses refinance. Tapi, setiap bulan follow up dengan bank lawyer tu. Jangan tunggu je…</div>
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<span style="box-sizing: border-box; font-weight: 700;"><span style="box-sizing: border-box; color: blue;">11. Bank Valuer akan datang Site Visit</span></span><br style="box-sizing: border-box;" />Jangan terkejut kalau ada bank valuer yang call cakap nak tengok rumah. Mereka nie Jurunilai yang telah disuruh bank untuk datang. Jurunilai dia akan datang tengok rumah, ambik gambar rumah dan sekeliling. Selalunya 10-15 minit je… Lepas tu, dia akan hantar report kat bank untuk memastikan harga value rumah.</div>
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Jangan terkejut kalau value jatuh. Kadang-kadang sebab bagi informasi salah boleh jadi begini. Contohnya, kalau customer bagitahu banker rumah ada renovate. Jurunilai pergi, takde pun renovate. Kalau macam tu mesti value jatuh.</div>
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Bila value jatuh, loan kena buat balik. Sebab loan amount akan jatuh jugak. Oleh itu, Melissa nasihatkan sebaik-baiknya jujurlah dengan banker tu. Supaya tak susah nanti.</div>
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<span style="box-sizing: border-box; color: blue;"><span style="box-sizing: border-box; font-weight: 700;">12. Dapat Duit Tunai Refinance</span></span><br style="box-sizing: border-box;" />Bila <a href="http://malaysiahousingloan.com/5-cara-bijak-untuk-refinance-rumah/" style="box-sizing: border-box; color: #549f97; text-decoration-line: none; transition-duration: 0.2s; transition-property: color, background-color, border-color; transition-timing-function: linear;">refinance rumah</a>, bank baru akan settle dulu bank lama. Bila dah settle, agak-agak 1-1.5 bulan baru dapat balance tunai. Kena tengok berapa cepat bank lama keluarkan dokumen lama.</div>
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So, bila dah dapat duit refinance, janganlah belanja benda yang tak sepatutnya. Ingat sebab anda refinance dulu. Kalau sebab nak settle hutang-piutang, then settle ler hutang tu. Jangan duit refinance tu digunakan pergi melancong pulak!</div>
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Harap-harap tips yang Melissa kongsi disini dapat membantu sedikit sebanyak mereka yang nak refinance.</div>
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Good Luck semua!</div>
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Infor: Artikel ini dipetik dari laman web http://bit.ly/malaysiahousingloan</div>
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12 Perkara Yang Anda Perlu Tahu Sebelum Refinance Rumah

Banyak hutang? Apa kata Refinance Rumah? 12 Perkara Yang Anda Perlu Tahu Sebelum Refinance Rumah 2019 Perkara-Perkara Penting R...

RENT / RM1300 / PUNCAK ALAM / NEW DOUBLE STOREY SEMI-D, BANDAR PUNCAK ALAM. PUNCAK ALAM, SELANGOR

<span style="background-color: white; color: #333333; font-family: "open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px; line-height: 24px;"><b style="color: red; font-family: verdana, sans-serif; line-height: 20px;"><i>STATUS : Available</i></b></span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px; line-height: 24px;">FOR RENT!! NEW DOUBLE STOREY SEMI-D, BANDAR PUNCAK ALAM. PUNCAK ALAM, SELANGOR </span><br />
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<span style="background-color: white; color: #333333; font-family: "open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px; line-height: 24px;">KEMASUKAN SEGERA </span><br />
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<span style="background-color: white; color: #333333; font-family: "open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px; line-height: 24px;">- 4 Bedrooms</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px; line-height: 24px;">- 3 Bathroom</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px; line-height: 24px;">- Basic Unit</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px; line-height: 24px;">Land Area 22x90</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px; line-height: 24px;">Built up ; 2210sqft</span><br />
<br style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 14px; line-height: 24px;" />
<span style="background-color: white; color: #333333; font-family: "open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px; line-height: 24px;">Rental: RM1,300.00 (Negotiable for Serius Tenant Only)</span><br />
<br style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 14px; line-height: 24px;" />
<span style="background-color: white; color: #333333; font-family: "open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px; line-height: 24px;">Facilities ;</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px; line-height: 24px;">- near to Petronas</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px; line-height: 24px;">- Tesco Hypermarket</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px; line-height: 24px;">- McDonald</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px; line-height: 24px;">- UiTM </span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px; line-height: 24px;">- Econsave</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px; line-height: 24px;">- Pasar Malam</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px; line-height: 24px;">- Restaurant and Cyber Cafe</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px; line-height: 24px;">- Tadika, Nursery, Surau, Masjid, and etc</span><br />
<br style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 14px; line-height: 24px;" />
<span style="background-color: white; color: #333333; font-family: "open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px; line-height: 24px;">Accessibility :</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px; line-height: 24px;">- LATAR highway</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px; line-height: 24px;">- GUTHRIE highway</span><br />
<br style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 14px; line-height: 24px;" />
<span style="background-color: white; color: #333333; font-family: "open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px; line-height: 24px;">10 min to Cahaya SPK, Bandar Nusa Rhu, Alam Budiman</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px; line-height: 24px;">10 min to Bukit Jelutong, Meru, Saujana Utama, Subang Airport</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px; line-height: 24px;">20 min to Subang, Sunway, Subang Jaya, Kelana Jaya</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px; line-height: 24px;">20 min to Puchong, USJ, petaling jaya</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px; line-height: 24px;">25 min to kota kemuning, Damansara</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px; line-height: 24px;">30 min to kuala lumpur, Mont kiara</span><br />
<br style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 14px; line-height: 24px;" />
<span style="background-color: white; color: #333333; font-family: "open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px; line-height: 24px;">Interested? Contact me for more information and viewing appointment.</span><br />
<br style="background-color: white; box-sizing: border-box; color: #333333; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 14px; line-height: 24px;" />
<span style="background-color: white; color: #333333; font-family: "open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px; line-height: 24px;">Call/SMS/Whatsapp/Telegram: 016-30515147</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px; line-height: 24px;">SulaiMan</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px; line-height: 24px;">Real Estate Negotiator (15470)</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px; line-height: 24px;">Johan Realty E(3)0196</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px; line-height: 24px;">Email: ezmanhartanah@gmail.com</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px; line-height: 24px;">FB Pages : EzManHartanah.COM</span><br />
<span style="background-color: white; color: #333333; font-family: "open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 14px; line-height: 24px;">Website : www.ezmanhartanah.com</span><br />
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RENT / RM1300 / PUNCAK ALAM / NEW DOUBLE STOREY SEMI-D, BANDAR PUNCAK ALAM. PUNCAK ALAM, SELANGOR

STATUS : Available FOR RENT!! NEW DOUBLE STOREY SEMI-D, BANDAR PUNCAK ALAM. PUNCAK ALAM, SELANGOR ***************************************...

Jom baca !! Jenis-Jenis Geran & Jenis-Jenis Sekatan Dalam Geran.

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Sebut sahaja geran memang semua orang tahu ia adalah bukti pemilikan sesebuah rumah atau tanah. Tetapi dalam pemilikan atas geran banyak menggunakan istilah yang sukar difahami. Dalam artikel ini admin cuba menghuraikan berdasarkan pengalaman lepas mengenai hartanah. Semoga artikel ini dapat membantu. Berikut adalah kod-kod yang kerap digunakan di muka hadapan geran:-</div>
<table style="background: rgb(255, 255, 255); border-collapse: collapse; border-spacing: 0px; border: 1px solid rgb(231, 231, 231); color: #333333; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14.8298px; margin: 0px -1px 24px 0px; padding: 0px; vertical-align: baseline; width: 639px;"><tbody style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">
<tr style="background: transparent; border: 0px; font-size: 14.0975px; margin: 0px; padding: 0px; vertical-align: baseline;"><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="32"></td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="218"><strong style="background: transparent; border: 0px; font-size: 13.4015px; margin: 0px; padding: 0px; vertical-align: baseline;">JENIS HAK MILIK</strong></td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="83"><strong style="background: transparent; border: 0px; font-size: 13.4015px; margin: 0px; padding: 0px; vertical-align: baseline;">KOD</strong></td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="467"></td></tr>
<tr style="background: transparent; border: 0px; font-size: 14.0975px; margin: 0px; padding: 0px; vertical-align: baseline;"><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="32"><strong style="background: transparent; border: 0px; font-size: 13.4015px; margin: 0px; padding: 0px; vertical-align: baseline;">1</strong></td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="218"><strong style="background: transparent; border: 0px; font-size: 13.4015px; margin: 0px; padding: 0px; vertical-align: baseline;">Geran</strong></td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="83"><strong style="background: transparent; border: 0px; font-size: 13.4015px; margin: 0px; padding: 0px; vertical-align: baseline;">Geran</strong></td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="467"><strong style="background: transparent; border: 0px; font-size: 13.4015px; margin: 0px; padding: 0px; vertical-align: baseline;">Dikeluarkan oleh Pejabat Tanah</strong></td></tr>
<tr style="background: transparent; border: 0px; font-size: 14.0975px; margin: 0px; padding: 0px; vertical-align: baseline;"><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="32"><strong style="background: transparent; border: 0px; font-size: 13.4015px; margin: 0px; padding: 0px; vertical-align: baseline;">2</strong></td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="218"><strong style="background: transparent; border: 0px; font-size: 13.4015px; margin: 0px; padding: 0px; vertical-align: baseline;">Pajakan Negeri</strong></td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="83"><strong style="background: transparent; border: 0px; font-size: 13.4015px; margin: 0px; padding: 0px; vertical-align: baseline;">PN</strong></td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="467"><strong style="background: transparent; border: 0px; font-size: 13.4015px; margin: 0px; padding: 0px; vertical-align: baseline;">Hakmilik tetap yang dikeluarkan oleh pejabat pendaftar hakmilik negeri.</strong><br />
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<div style="background: transparent; border: 0px; font-size: 13.4015px; margin-bottom: 24px; padding: 0px; vertical-align: baseline;">
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<tr style="background: transparent; border: 0px; font-size: 14.0975px; margin: 0px; padding: 0px; vertical-align: baseline;"><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="32"><strong style="background: transparent; border: 0px; font-size: 13.4015px; margin: 0px; padding: 0px; vertical-align: baseline;">3</strong></td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="218"><strong style="background: transparent; border: 0px; font-size: 13.4015px; margin: 0px; padding: 0px; vertical-align: baseline;">Geran Mukim</strong></td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="83"><strong style="background: transparent; border: 0px; font-size: 13.4015px; margin: 0px; padding: 0px; vertical-align: baseline;">GM</strong></td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="467"><strong style="background: transparent; border: 0px; font-size: 13.4015px; margin: 0px; padding: 0px; vertical-align: baseline;">Hakmilik tetap yang dikeluarkan oleh Pejabat Tanah.</strong></td></tr>
<tr style="background: transparent; border: 0px; font-size: 14.0975px; margin: 0px; padding: 0px; vertical-align: baseline;"><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="32"><strong style="background: transparent; border: 0px; font-size: 13.4015px; margin: 0px; padding: 0px; vertical-align: baseline;">4</strong></td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="218"><strong style="background: transparent; border: 0px; font-size: 13.4015px; margin: 0px; padding: 0px; vertical-align: baseline;">Pajakan Mukim</strong></td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="83"><strong style="background: transparent; border: 0px; font-size: 13.4015px; margin: 0px; padding: 0px; vertical-align: baseline;">PM</strong></td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="467"><strong style="background: transparent; border: 0px; font-size: 13.4015px; margin: 0px; padding: 0px; vertical-align: baseline;">Hakmilik tetap yang dikeluarkan oleh Pejabat Tanah.</strong></td></tr>
<tr style="background: transparent; border: 0px; font-size: 14.0975px; margin: 0px; padding: 0px; vertical-align: baseline;"><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="32"><strong style="background: transparent; border: 0px; font-size: 13.4015px; margin: 0px; padding: 0px; vertical-align: baseline;">5</strong></td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="218"><strong style="background: transparent; border: 0px; font-size: 13.4015px; margin: 0px; padding: 0px; vertical-align: baseline;">HakMilik Sementara Daerah</strong></td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="83"><strong style="background: transparent; border: 0px; font-size: 13.4015px; margin: 0px; padding: 0px; vertical-align: baseline;">HSD</strong></td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="467"><strong style="background: transparent; border: 0px; font-size: 13.4015px; margin: 0px; padding: 0px; vertical-align: baseline;">Dikeluarkan oleh Pejabat Pendaftaran Kerajaan Negeri.</strong></td></tr>
<tr style="background: transparent; border: 0px; font-size: 14.0975px; margin: 0px; padding: 0px; vertical-align: baseline;"><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="32"><strong style="background: transparent; border: 0px; font-size: 13.4015px; margin: 0px; padding: 0px; vertical-align: baseline;">6</strong></td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="218"><strong style="background: transparent; border: 0px; font-size: 13.4015px; margin: 0px; padding: 0px; vertical-align: baseline;">HakMilik Sementara Mukim</strong></td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="83"><strong style="background: transparent; border: 0px; font-size: 13.4015px; margin: 0px; padding: 0px; vertical-align: baseline;">HSM</strong></td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="467"><strong style="background: transparent; border: 0px; font-size: 13.4015px; margin: 0px; padding: 0px; vertical-align: baseline;">Dikeluarkan oleh Pejabat Tanah.</strong><br />
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<strong style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">Geran </strong></div>
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Geran mempunyai dua jenis. Iaitu geran/hak milik individu dan geran/hak milik strata. Geran/hak milik individu didaftarkan atas nama individu yang beli tanah bagi rumah yang dibina di atas tanah. Contohnya Rumah teres, banglo, semi D, rumah berkembar dan sebagainya. Manakala geran/hak milik strata pula, didaftarkan atas nama individu yang membeli rumah flat, pangsa , kondo.</div>
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<strong style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">KOD A</strong></div>
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<li style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">Kod A dikenali sebagai Bumi Lot yang membawa maksud bumiputra sahaja yang boleh memiliki hartanah tersebut. Dalam erti kata lain Kod A ialah hartanah yang tidak boleh dipindah milik @ dipajak kecuali dengan kebenaran pihak berkuasa negeri.Sekatan kepentingan ini dikecualikan kepada orang melayu.</li>
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<strong style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">KOD B</strong></div>
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<li style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">Kod B pula dikenalisebagai Non-Bumi Lot yang membawa maksud, bukan saja bumiputra, malah sesiapa sahaja pun boleh memiliki hartanah tersebut.</li>
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Contoh Geran Kod A  :</div>
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<span style="text-align: left;">Contoh geran (Kod B) :</span></div>
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<strong style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">Hak Milik Sementara</strong></div>
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<li style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">Merupakan tanah yang masih belum memiliki status muktamad sama ada ia merupakan tanah pegangan milikan bebas atau pajakan.</li>
<li style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">Dokumen hak milik muktamad akan menggunakan no. pengenalan seperti Geran, Geran Mukim, Pajakan, Pajakan Mukim dan sebagainya.</li>
<li style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">Untuk hak milik yang belum muktamad, no. pengenalan hak milik yang digunakan yang mungkin anda pernah lihat adalah seperti H.S.(D)11234 atau H.S.(M)1234.</li>
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<strong style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">Tanah Lesen Pendudukan Sementara (Tanah Lot)</strong></div>
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<li style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">Ia merupakan Tanah Lesen Pendudukan Sementara kerana tempoh sahnya singkat dan tidak boleh di serah hak.</li>
<li style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">Tanah jenis ini tidak boleh digunakan untuk membuat Pinjaman Perumahan Kerajaan kerana tidak memiliki geran.</li>
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<strong style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">Malay Customary Land (MCL) / Rizab Melayu</strong></div>
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<li style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">Seterusnya Malay Customary Land (MCL). Mungkin ada yang sudah sedia maklum apa itu MCL tetapi ada juga yang tidak tahu. Bagi yang tidak tahu, MCL ialah Melayu sahaja yang boleh memiliki tanah tersebut dan tidak boleh dipindah milik kepada yang bukan melayu melainkan dengan kebenaran Pihak Berkuasa Negeri atau Mahkamah Persekutuan. Selain itu, orang bumiputra Sabah dan Sarawak tidak boleh membeli rumah MCL kecuali dengan memohon surat kebenaran daripada pihak berkuasa tempatan.</li>
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Tanah yang boleh diisytiharkan sebagai Tanah Rizab Melayu/ MCL</div>
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<li style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">Tanah Kerajaan</li>
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<li style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">Tanah Rizab Awam</li>
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Rizab Melayu kekal sebagai Rizab Melayu</div>
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<li style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">Mana-mana kawasan yang telah diisytiharkan sebagai Rizab Melayu hendaklah kekal sebagai Rizab Melayu melainkan ianya diisytiharkan dan diwartakan sebagai batal oleh pihak yang berkenaan.</li>
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Antara sebab-sebab kesusutan Tanah Rizab Melayu</div>
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<li style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">Enakmen ke atas tanah Rizab Melayu yang ditambah selepas merdeka dibolehkan pelupusannya.</li>
<li style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">Tindakan pelupusan atau penjualan tanah milik Peribumi melayu yang telah meninggal dunia disebabkan pertikaian hak pewarisan.</li>
<li style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">Perkembangan pembandaran dan pembangunan atas tanah Rizab Melayu.</li>
<li style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">Penarikan balik status Rizab Melayu oleh Pihak Berkuasa Negeri ke atas tanah Rizab Melayu yang mempunyai hasil galian atau dasar pembangunan.</li>
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<tr style="background: transparent; border: 0px; font-size: 14.0975px; margin: 0px; padding: 0px; vertical-align: baseline;"><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="43"><strong style="background: transparent; border: 0px; font-size: 13.4015px; margin: 0px; padding: 0px; vertical-align: baseline;">Bil</strong></td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="372"><strong style="background: transparent; border: 0px; font-size: 13.4015px; margin: 0px; padding: 0px; vertical-align: baseline;">Bumi Lot (Rezab Melayu)</strong></td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="384"><strong style="background: transparent; border: 0px; font-size: 13.4015px; margin: 0px; padding: 0px; vertical-align: baseline;">Non Bumi Lot</strong></td></tr>
<tr style="background: transparent; border: 0px; font-size: 14.0975px; margin: 0px; padding: 0px; vertical-align: baseline;"><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="43">1</td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="372">Bumiputra sahaja boleh memiliki hartanah</td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="384">Semua bangsa boleh memiliki hartanah</td></tr>
<tr style="background: transparent; border: 0px; font-size: 14.0975px; margin: 0px; padding: 0px; vertical-align: baseline;"><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="43">2</td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="372">Bumi lot boleh tukar kepada non bumi lot<br />
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Tertakluk kepada perundangan</div>
</td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="384">Non bumi lot tidak boleh tukar kepada bumi lot. Tertakluk kepada perundangan</td></tr>
<tr style="background: transparent; border: 0px; font-size: 14.0975px; margin: 0px; padding: 0px; vertical-align: baseline;"><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="43">3</td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="372">Hanya boleh dipindah milik kepada bumiputra sahaja</td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="384">Boleh dipindah milik kepada non bumi dan bumiputra</td></tr>
<tr style="background: transparent; border: 0px; font-size: 14.0975px; margin: 0px; padding: 0px; vertical-align: baseline;"><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="43">4</td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="372">Kebiasaannya harga lebih rendah walaupun lot bersebelahan</td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="384">Harga hartanah lebih tinggi berbanding bumi lot</td></tr>
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<strong style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">Native Title (NT)</strong></div>
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<li style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">*Native Title hanya boleh dimiliki oleh penduduk Peribumi Sabah sahaja. Ini dianggap sebagai hak istimewa yang diberikan kepada anak Negeri Sabah yang telah menetap dan mengusahakan tanah Kerajaan untuk aktiviti sara hidup selama tiga tahun berturut-turut.</li>
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<strong style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">Native Customary Rights (NCR)</strong></div>
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<li style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">Native Customary Rights bermaksud Hak adat orang asal. Istilah ini kebiasaannya digunakan bagi kaum iban. Tanah adat berkait rapat dengan amalan pertanian dan kepercayaan tradisi mereka. NCR diwujudkan mengikut undang-undang melalui permit bawah seksyen 10.</li>
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<strong style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">Pengesahan Tanah Hak Adat Bumiputera</strong></div>
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*Dalam mengesahkan status tanah hak adat Bumiputera, Jabatan Tanah dan pantau menggunakan kaedah-kaedah seperti berikut:</div>
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<li style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">Maklumat keatas interpretasi gambar foto udara sehingga tahun 1955;</li>
<li style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">Peta Penggunaan Tanah terkini;</li>
<li style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;"><em style="background: transparent; border: 0px; font-size: 14.0975px; margin: 0px; padding: 0px; vertical-align: baseline;">Field Book, Cadastral Sheet</em> dan Maklumat daripada ketua kaum, warga tua di kampung, tuan punya tanah berdekatan dan penuntut tanah sendiri.</li>
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<strong style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">Leasehold (Pegangan pajakan)</strong></div>
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<li style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">Status pemilikan hartanah yang dipinjamkan oleh Kerajaan Negeri kepada pembeli dalam tempoh yang ditetapkan (kebiasaannya 99tahun). Apabila sudah tamat tempoh masa tersebut, tanah akan jadi milik Kerajaan Negeri semula. Jika sudah tamat tempoh, pemilik boleh <em style="background: transparent; border: 0px; font-size: 14.0975px; margin: 0px; padding: 0px; vertical-align: baseline;">renew leasing</em> semula atau tunggu sehingga luput dan kemudian memohon semula. Tetapi kos yang diperlukan sangat tinggi.</li>
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<strong style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">Freehold (Pegangan Kekal)</strong></div>
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<li style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">Pemilikan hartanah kekal tiada pampasan boleh dibuat selamanya. Nilai hartanah juga sentiasa menaik dan tanah ini sesuai untuk pendudukan jangka masa panjang. Tetapi Freehold juga mempunyai kekurangannya. Tanah Freehold biasanya lebih mahal dari kos pemilikan, cukai etc.</li>
<li style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">Sebagai contoh,  jika dokumen hak milik itu dikeluarkan oleh Pejabat Pendaftar Tanah Negeri maka ianya menggunakan No.Hak milik seperti Geran1234 manakala jika ianya dikeluarkan oleh Pejabat Tanah Daerah maka No.Hak milik adalah seperti Geran mukim 1234</li>
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<tr style="background: transparent; border: 0px; font-size: 14.0975px; margin: 0px; padding: 0px; vertical-align: baseline;"><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="47"><strong style="background: transparent; border: 0px; font-size: 13.4015px; margin: 0px; padding: 0px; vertical-align: baseline;">Bil</strong></td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="512"><strong style="background: transparent; border: 0px; font-size: 13.4015px; margin: 0px; padding: 0px; vertical-align: baseline;">Freehold</strong></td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="300"><strong style="background: transparent; border: 0px; font-size: 13.4015px; margin: 0px; padding: 0px; vertical-align: baseline;">Leasehold</strong></td></tr>
<tr style="background: transparent; border: 0px; font-size: 14.0975px; margin: 0px; padding: 0px; vertical-align: baseline;"><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="47">1</td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="512">Pegangan bebas</td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="300">Pajakan</td></tr>
<tr style="background: transparent; border: 0px; font-size: 14.0975px; margin: 0px; padding: 0px; vertical-align: baseline;"><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="47">2</td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="512">Tidak mempunyai tempoh tamat.</td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="300">Mempunyai tempoh pajakan</td></tr>
<tr style="background: transparent; border: 0px; font-size: 14.0975px; margin: 0px; padding: 0px; vertical-align: baseline;"><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="47">3</td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="512">Kebiasaan harga tanah lebih mahal sedikit</td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="300">Harga tanah lebih rendah berbanding freehold</td></tr>
<tr style="background: transparent; border: 0px; font-size: 14.0975px; margin: 0px; padding: 0px; vertical-align: baseline;"><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="47">4</td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="512">Sukar untuk dapatkan tanah ini jika di bandar-bandar besar</td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="300">Lebih senang untuk diperoleh.</td></tr>
<tr style="background: transparent; border: 0px; font-size: 14.0975px; margin: 0px; padding: 0px; vertical-align: baseline;"><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="47">5</td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="512">Tidak perlu membayar premium kerana tiada tempoh</td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="300">Perlu bayar premium untuk lanjutkan tempoh pajakan</td></tr>
<tr style="background: transparent; border: 0px; font-size: 14.0975px; margin: 0px; padding: 0px; vertical-align: baseline;"><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="47">6</td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="512">Menjadi hak milik kekal pembeli</td><td style="background: transparent; border-bottom-color: initial; border-bottom-style: initial; border-image: initial; border-left-color: initial; border-left-style: initial; border-right-color: initial; border-right-style: initial; border-top-color: rgb(231, 231, 231); border-top-style: solid; border-width: 1px 0px 0px; font-size: 13.7451px; margin: 0px; padding: 6px 24px; vertical-align: baseline;" width="300">Perlu dikembalikan kepada kerajaan negeri setelah tamat tempoh pajakan</td></tr>
</tbody></table>
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<strong style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">2 Cara Anda Boleh Panjangkan Masa Sebelum Tempoh Pajakan Tanah Tamat</strong></div>
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<strong style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">1. Anggaran Bayaran Dalam RM 1,000 Untuk Panjangkan Tempoh.  </strong><strong style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;"> </strong></div>
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a. Pegangan akan dipanjangkan beserta dengan kaveat pendaftar.</div>
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b. Tidak dibenarkan membuat pindah milik kepada orang lain, kecuali kepada ahli keluarga yang terdekat.</div>
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c. Lepas geran terbaru keluar, anda tak akan menerima sebarang kadar diskaun sekiranya ingin melanjutkan tempoh premium. Perlu bayar full premium.</div>
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d. Setelah geran terbaru keluar dan sekiranya satu masa nanti anda nak jual, kadar premium tersebut perlu juga dibayar kalau nak keluarkan kaveat pendaftar bagi proses pindah milik kepada pembeli.</div>
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e. Pembeli yang ingin membeli menggunakan loan, agak sukar, sebab terdapat kaveat pendaftar dan pihak bank biasanya tidak akan memberikan pinjaman bagi kes macam ni, sebab high risk.</div>
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f. Pilihan 1 dibuat bagi mengelakkan pemilik dari membuat keuntungan dengan penjualan. Ianya dibuat bagi membantu pemilik yang betul-betul ingin menetap di situ.</div>
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<strong style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">2. Bayar Premium Bagi Panjangkan Tempoh</strong></div>
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a. Pegangan boleh dipanjangkan kepada 2 tempoh, iaitu 60 tahun atau 99 tahun</div>
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b. Ianya boleh dipanjangkan dengan pembayaran premium berdasarkan kepada harga tanah semasa.</div>
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c. Formula pengiraannya adalah:</div>
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<strong style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">1/4  <img alt="✖" class="emoji" draggable="false" src="https://s.w.org/images/core/emoji/2.4/svg/2716.svg" style="background: none !important; border: none !important; box-shadow: none !important; display: inline !important; font-size: 14.0975px; height: 1em !important; margin: 0px 0.07em !important; padding: 0px !important; vertical-align: -0.1em !important; width: 1em !important;" />  1/100  <img alt="✖" class="emoji" draggable="false" src="https://s.w.org/images/core/emoji/2.4/svg/2716.svg" style="background: none !important; border: none !important; box-shadow: none !important; display: inline !important; font-size: 14.0975px; height: 1em !important; margin: 0px 0.07em !important; padding: 0px !important; vertical-align: -0.1em !important; width: 1em !important;" />  nilai tanah semasa  <img alt="✖" class="emoji" draggable="false" src="https://s.w.org/images/core/emoji/2.4/svg/2716.svg" style="background: none !important; border: none !important; box-shadow: none !important; display: inline !important; font-size: 14.0975px; height: 1em !important; margin: 0px 0.07em !important; padding: 0px !important; vertical-align: -0.1em !important; width: 1em !important;" />  tempoh tahun dipanjangkan  <img alt="✖" class="emoji" draggable="false" src="https://s.w.org/images/core/emoji/2.4/svg/2716.svg" style="background: none !important; border: none !important; box-shadow: none !important; display: inline !important; font-size: 14.0975px; height: 1em !important; margin: 0px 0.07em !important; padding: 0px !important; vertical-align: -0.1em !important; width: 1em !important;" />  luas dalam meter persegi <img alt="➖" class="emoji" draggable="false" src="https://s.w.org/images/core/emoji/2.4/svg/2796.svg" style="background: none !important; border: none !important; box-shadow: none !important; display: inline !important; font-size: 14.0975px; height: 1em !important; margin: 0px 0.07em !important; padding: 0px !important; vertical-align: -0.1em !important; width: 1em !important;" /> 30%</strong></div>
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. Untuk dapatkan nilai semasa tanah, perlu merujuk kepada pejabat tanah.</div>
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. Proses permohonan pemanjangan tempoh akan mengambil masa anggaran selama 6 bulan</div>
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. Pembayaran perlu diselesaikan dalam tempoh 6 bulan selepas permohonan diluluskan</div>
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. Anggaran keseluruhan proses sehingga geran terbaru dikeluarkan adalah selama 1 tahun</div>
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<strong style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">NOTA : Kaedah ni untuk negeri Selangor sahaja, untuk negeri-negeri lain, boleh rujuk pejabat tanah di negeri anda.</strong></div>
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<strong style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">Syarat-syarat nyata yang biasa ada dalam geran.</strong></div>
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Syaratnya ialah suatu arahan atau larangan yang dikenakan dan dinyatakan didalam hak milik keatas sesuatu tanah yang diberi hak milik bertujuan mengawal penggunaannya. Sebagai contoh:-</div>
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<li style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">Tanah yang diberi hak milik hendaklah digunakan untuk sebuah rumah kediaman sahaja.</li>
<li style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">Bangunan yang didirikan di atas tanah ini hendaklah digunakan untuk kediaman sahaja.</li>
<li style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">Tanah yang diberi hak milik ini tidak boleh ditanam dengan, atau dibiarkan tumbuh pokok-pokok getah.</li>
<li style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">Tanah ini hendaklah ditanam dengan tanaman KELAPA SAWIT</li>
<li style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">Pemilik tanah hendaklah sepanjang masa mengambil langkah-langkah menurut perintah yang dikehendaki pentadbir tanah menjaga tanah ini daripada hakisan.</li>
</ul>
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<strong style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;"></strong></div>
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<strong style="background: transparent; border: 0px; font-size: 14.459px; margin: 0px; padding: 0px; vertical-align: baseline;">Contoh Syarat Dalam Geran:</strong></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg5tb-eWKQ7RYEG8-O5I98hToRGIkGW0ji69cEngE-Q5CADvyL7R1Og6kLHn_kBwIc8vTIlHevR99RzvcVr6I6c6C8Vkv2dQ3RzBGUH14GluVEXoZrHbK5pBOQ9CNPTuMUtvlxnJVTpr4c/s1600/syarat1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="547" data-original-width="387" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg5tb-eWKQ7RYEG8-O5I98hToRGIkGW0ji69cEngE-Q5CADvyL7R1Og6kLHn_kBwIc8vTIlHevR99RzvcVr6I6c6C8Vkv2dQ3RzBGUH14GluVEXoZrHbK5pBOQ9CNPTuMUtvlxnJVTpr4c/s640/syarat1.jpg" width="452" /></a></div>
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