Macam mana orang makan gaji je boleh beli kereta mewah ni? Tak logik betul!

Ramai orang ingat kalau makan gaji je tak boleh nak beli kereta mewah. Yelah macam mana orang makan gaji nak merasa drive kereta jenama mahal? Gaji pula tak seberapa. Biasa yang pakai kereta mewah ni orang bisnes je.

Ini kisah rare salah seorang client kami. Makan gaji je bekerja bawah orang. Boleh beli kereta Saga Made in Germany. Dah lah made in Germany, orang lain yang tolong bayarkan kereta tu untuk dia. Wow drive percuma je? Biar betul!

Baca kisah Tuan Khalid Ibrahim ni kalau anda nak tahu macam mana orang kerja makan gaji boleh drive kereta made in Germany secara PERCUMA.

I am an unemployed investor who had a variety of businesses. My last business was an advertising agency. I had to shut that down in 2012 to become a full-time property investor. Unfortunately, things took a turn for the worst after.

THE MILLION RINGGIT MISTAKES

My initial education in property is by reading books and research. Something that I found out after doing all these is that the commonality among wealthy people is that they have property portfolios. This was supposed to be the leverage that escalates someone from being rich to being wealthy.

From that point onwards, I knew I needed to buy a property. Before I joined Far Capital I had accumulated several residential properties, roughly about ten residential properties. Then I went to commercial property, which is my downfall. The property guru claimed to know how to find valuable properties. He would buy the entire project and slice it up. We would buy a portion of it. Upon completion, we couldn’t get a tenant for up to 10 years now. Each property is worth RM 1 million. The monthly commitment became too much to bear, so I ended up selling all of it.

THE CONSULTATION THAT CHANGED MY LIFE

I was desperate when I got in touch with Faizul and asked him if he could spare some time with him for a 1 to 1 consultation. He said the RM 3 million burdens I had was difficult to fix, but he could help me solve my RM10,000 monthly problem. He invited me to be a FAR Capital client to learn how to do this. During this time, I learned about how to do hustle income.

Far Capital has a system that allows the clients to get a valuable property at reasonable prices. If the property doesn’t meet the 7 important criteria Far Capital had set, they wouldn’t even put it up for the clients to acquire. Far Cap offers a whole range of services, and you as a client can focus on being an investor while leaving the rest to Far Cap.

FIVE FIGURE INCOMES

All this while what I was always on my toe looking for money to fulfil my monthly commitment. Hustle income provides me with the opportunity to earn a 5-figures income. Now that I’m doing hustle income with FAR Capital, as the main source of income. Thank you, Far Capital for giving me this opportunity.

Before becoming FAR Capital Clients :

1. Bleeding with negative cash flow for 4 years due to wrong property investment strategy

2. No capital to buy another property due to 70% loan eligibility.

3. ‘Trauma’ with property investment due to bad experience buy the wrong property

After becoming FAR Capital Clients :

1. Manage to buy positive cash flow property to cover the bad debt on previous property +ve CF property: pairing strategy to cover the bleeding

2. Bought grade A property with no capital, even for 70% loan eligibility. Now in the process buy property for my wife, even she is a housewife.

3. Becoming a part-time REN in other agencies by leveraging knowledge & network in FAR Capital.

Fairuz experience with FAR Capital :

FAR Capital help reduced ‘Hutang Jahat’ and this allows me to increase the loan eligibility that can make me buy grade A property with zero capital after implementing knowledge shared.

The properties we are buying as clients make me save RM72k. I did my due diligence before buying the property. Went to the showroom and compare the price that FAR cap offered me.

Before becoming FAR Capital Clients :

1. Bought an expensive car right after my 1st contract which I didn’t realize it impacts my financial in long term.

2. My mother fell down at home while I’m onboard and caused a bone crack on her left arm. I don’t even know about that up until a month later when I met her during port stay.

3.Later I realize that i can’t be doing and staying in this job for a longer period. I need to find a way to quit and before I quit, I need to have enough passive income.

After becoming FAR Capital Clients :

1.Realizing that the money i spend for my car doesn’t help me to create any income. Yet it keep me stuck from creating more passive income. Later I’m able to sold it off immediately.

2. Being able to bought 2 properties. One is already completed which gives me almost RM1000 positive cashflow every month today. One more property is still under construction.

3. Thanks to FAR Capital’s platform and eco system. They enable me to simplify my journey to achieve my ‘RM5000 passive income per month before quit’ goals.

Amirul experience with FAR Capital :

Without FAR Capital, I will still trying to hang onto my car commitment because I have no problem paying it. FAR Capital help me to realize that the car will be my main obstacle in achieving my goal and my goal is my main priority.

I am able to achieve RM1,000 positive cash flow from a property that I bought thru FAR Capital. I have no doubts about their capabilities and expertise in this area.

I personally have studied the method FAR Capital is using to find this kind of property. I tried to apply and it is very time-consuming. But I still can’t be able to get similar deal as what FAR Capital is having. Hence why I let them do the work and I can focus foresee on another important part of my investment journey.

I’m one of those many many people that is impacted during the pandemic. From 4 months of ‘leave day’, now I’m on my 8th month of leave with zero income. Alhamdulillah, FAR Capital really helps me a lot to support myself during this extra period of stay.

The skill that they taught me on hustle income is so much priceless. I can bring those skills and use it somewhere that can produce more value to me.

Before becoming FAR Capital Clients :

1. Own one super bad ghostly investment property, bleeding rm2k/mth
2. Own one own-stay property. Bleeding around rm2k/mth for 10 years before we lived in the house
3. Has bad debt of credit card and personal loans more than 300k
4. Don’t have any idea about good debt or bad debt

After becoming FAR Capital Clients :

1. Understand about debt and already knows how to come out from bad debts

2. Refinanced own stay, even with same monthly commitment, he has able to pay off :
a. Ghostly investment property (saved RM 2000.00/month),
b. Pay off credit cards (reduced RM3000.00 /month commitment)
c. Pay off motorcycle loan (RM 350.00/month)

3. Bought another property in Johor Bharu that manage to get cashback and was able to pay off car installment (reduced commitment RM1088/month)

4. Build passive income almost reach to RM 80k since March 2021 which hustle income has helped reduce commitment.

5. Bought 3 more properties for wife

“Satu hari nanti saya akan beli rumah untuk mak ayah”
Ini yang saya cakap kepada kawan saya masa saya sekolah menengah. Dari sekolah lagi saya dah pasang niat nak beli rumah sendiri untuk mak ayah. Kami tak pernah ada rumah sendiri. Dah tak boleh ingat dah berapa kali kami pindah rumah.

Sampai saya terpaksa tipu kawan-kawan saya yang kami berpindah – randah sebab ayah saya kerja. Selalu saya terfikir bila la nak duduk rumah sendiri ni.

Jadi saya kerja keras. Saya belajar betul-betul sampai jadi doktor. Tapi lepas saya graduate tahun 2017, ayah saya kena stroke. Masa ni kami sekeluarga takde duit sampai tahap nak bayar sewa rumah pun dah tak boleh. Kami tak ada cara dan minta bantuan atuk kami untuk bagi satu rumah tumpangan. Rumah tumpangan ini lah rumah yang kami duduk. 

Bila saya dah dapat kerja, saya terus fikir macam mana saya nak beli rumah. Misi hidup saya memang nak berikan rumah kepada mak ayah. Akhirnya saya berjaya beli satu rumah landed under-con. Masa saya beli ni saya iya kan je semua, tak fikir pun pasal ilmu kewangan. Alhamdullilah sekarang dah bakal ada rumah sendiri.
Lepas saya dah berjaya beli rumah untuk mak ayah, saya mula fikir untuk beli rumah sendiri. Jadi saya kenal lah dengan seorang REN yang beritahu saya ada potensi untuk beli rumah seterusnya. Tapi bila dia nak submit pinjaman, pinjaman saya dibatalkan. Saya pelik dan risau. Dulu yang nak bantu mak ayah dah jadi sesak sekarang. 

Sebab masa awal tu beli je, asal mak ayah happy. Sekarang saya fikir, macam mana saya nak beli ni. Dari sini saya mula cari ilmu dan terjumpa webinar Faizul Ridzuan. Its an eye opener bila baru saya tahu berkenaan dengan DSR  dan loan eligibility. Saya nampak there is light at the end of tunnel.

Saya memang boleh beli sendiri dan buat sendiri, tapi saya tak nampak steps dan pathway dalam pelaburan hartanah. Sekarang saya sedang betulkan kewangan saya dengan bimbingan Far Capital dan dah tahu apa steps seterusnya untuk buat pelaburan hartanah.

Yang lebih menariknya, ada kawan saya call dan tanya saya tentang 7 kriteria pelaburan hartanah yang Far Capital ajar. Salah seorang daripada mereka adalah REN. Dia sangat berterima kasih sebab sebelum ni dia tak tahu pun ada kriteria dalam pelaburan hartanah. Ilmu yang Far Capital kongsikan kepada kami sangat powerful sampai kami boleh kongsikan kepada orang luar juga.

Saya rasa selamat dengan Far Capital. They make me feel safe. Terima kasih Far Capital!

Before becoming FAR Capital Clients :

1. Having trouble in settling bad debt
2. No direction, and having the perception that property investment is a risky game
3. Having the impression that FR and FAR Capital is just ‘too good to be true

After becoming FAR Capital Clients :

1. Better cashflow after settling personal loan bad debt
2. Satisfied when the knowledge shared is benefiting those who wish to change their life
3. Feeling more motivated to expand my property portfolio, since FAR Capital offers all that I need, from a mentor, platform, network, and of course crazy property deals!

Farid experience with FAR Capital :

Wife’s personal loan is all because of me after needing urgent cash 7 years ago, 7 years gone and her personal loan principal amount is still the same! DC teams have helped me significantly in providing a solution, specially tailored for my case. I was advised what to do and how to execute it. The bad debt is now gone, in addition, I have regained back my 2nd 90% LTV, and looking forward to hunting for my next property deals in FAR Capital very soon. And of course, you will be mind blown with the crazy property deals in FAR Capital!

Kudos FAR Capital!

“Orang perempuan ni ada suami ke takde suami ke, mesti kena ada rumah sendiri”

Saya datang daripada keluarga yang sederhana. Tak kaya dan tak miskin sangat. Mama saya lepasan SPM. Masa dia nak ambil SPM, dia accident kena langgar. Patah tulang kaki dan terpaksa jawab exam dalam hospital. Walaupun hanya lepasan SPM, mama saya ni lah yang ajar saya tentang aset, liabiliti dan bagaimana nak guna OPM dalam pelaburan hartanah. Sejak daripada itu, saya ada minat yang mendalam pelaburan hartanah.

Dari zaman universiti, saya ada follow rapat seorang sifu hartanah ni. Saya namakan beliau sebagai Sifu X. Beliau ada jual ebook dan buat kelas juga. Saya aim lepas saya kerja, saya akan beli rumah.

Saya ingat pesan mama saya
“Orang perempuan ni ada suami ke takde suami ke, mesti ada rumah sendiri”

Masa saya tengah belajar, saya pergi kelas dan beli buku beliau. Walaupun masa tu saya tak kerja lagi, saya sanggup korek tabung saya semata – mata nak bayar. Saya tak tidur dalam kelas sebab saya betul – betul nak beli rumah. Kelas tu saya pergi tahun 2016. Tahun 2017 saya book satu projek hartanah. Masa ni saya baru bekerja setahun. Saya happy lah sebab saya berjaya tunaikan impian saya dan mak saya.

Namun tiba – tiba saya dapat call mengatakan saya kena bayar downpayment 10%. Masa tu saya agak terkejut sebab saya langsung tak tahu kena bayar 10%. Saya blur. Sifu X langsung tak cerita tentang kos – kos terlibat bila nak beli rumah. Saya ingatkan kena bayar booking je. Memang rasa terciduk kat situ sebab saya tak buat proper research. Sebagai seorang doktor, masa jadi penghalang untuk saya. Saya ingatkan saya dah pandai lepas pergi kelas Sifu X. Rupanya tak.

Saya pergi kat mama saya dan beritahu yang saya tak jadi beli rumah tu sebab rasa macam tak mampu. Tapi mama saya tak bagi.
“Ambil barang kemas mama ni. Pergi gadaikan kat Ar-Rahnu. Duit tu buat bayar downpayment”

Masa tu agak sedih lah kerja doktor tapi terciduk pula. Jadi saya ambil barang kemas dan gadaikan. Okay let’s do this. Saya bayar downpayment dan ikat perut beberapa bulan.

Baru nak tarik nafas lega bayar downpayment, tiba – tiba developer call lagi cakap saya kena bayar legal fee. Saya kena bayar RM4,000. Dan masa tu saya terpaksa berhutang. Saya fikir sampai bila saya nak hadap macam ni.

Tahun 2019 saya dapat kunci rumah. Saya gembira sebab akhirnya dapat juga kunci rumah pertama saya. Tapi yang menjadi masalah saya adalah saya tak berjaya sewakan rumah tu. Saya terpaksa bersaing dengan pemilik rumah yang lain untuk dapatkan penyewa. Saya turunkan sewa sebulan RM800 pun masih tak berjaya dapatkan penyewa. Masa tu saya kena bayar dekat bank dalam RM900.

Saya sedih sangat sebab terpaksa tanggung bleeding RM900 selama 8 bulan. Rumah tu kat Selangor. Saya pula kat Johor. Jadi memang struggle gila. Sifu X tu pun tak ajar pasal strategi sewaan. Jadi saya agak lost.

Lepas tu, Mei 2020 saya join webinar Tuan Faizul Ridzuan. Saya belajar pasal strategi sewaan dan pelaburan hartanah. Masa tu saya tak jadi client lagi tapi saya buat apa yang saya belajar daripada webinar tu. Saya berjaya dapatkan positive cashflow selepas berbulan bleeding. Memang syukur sangat alhamdulillah.

Dr Irfan approach saya untuk jadi client dan masa tu saya tanya beliau boleh tak saya bayar installment. Punyalah takut terciduk lagi kan. Then saya teruskan juga untuk jadi client. Mungkin ni lah jalan keluar yang saya cari.

Dari zero knowledge pasal pelaburan hartanah, sekarang saya dah faham tentang kewangan juga juga pelaburan hartanah yang betul. Saya on the way untuk beli property yang best, ada cashback siap ada multiple rental option. Boleh beli tanpa modal pula tu. Saya happy sangat. Terima kasih FAR Capital!