"Abang, jom balik.. Saya dah puas...." Baca Apa Yang Terjadi Seterusnya Bakal Buat Kita MENGALIR AIR MATA tanpa HENTI !!!

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“Abang, kita pergi kedai hiasan dalaman rumah, boleh?”

Isteri memandangku penuh pengharapan. Aku senyum kelat. Mengangguk tidak. Menggeleng tidak.@#

Tapi, belum sempat aku berikan jawapan dia dah pergi.

Dia tak tahu, dah 3 bulan gajiku tak berbayar. Entah apa masalahnya dengan syarikat tempat kerjaku. Masalah kemelesetan ekonomi agaknya. Aku bukannya kerja tetap pun situ. Ambil upah kontrak saja. Kerja aku, pikul simen, bawa paip besar-besar tu ke rumah-rumah. Kadang-kadang, aku jadi buruh binaan sandaran. Semua kerja berat, aku buat.

Bukan demi perut aku. Tapi, demi keluarga kecil aku ini. Anak baru dua orang. Dekat 10 tahun dah aku nikah. Isteri tak kerja. Suri rumah sepenuh masa.
Rumah ni pun rumah pusaka arwah nenek isteri. Duduk menumpang di tanah famili. Aku harta apa pun tiada. Harapkan kereta Proton Saga first model tu saja. Tu pun dah nak roboh kalau bawa lebih 100 km/j.

“Jom.”

Anak-anak pun dah siap. Isteriku senyum manja.

Kami ke kedai pameran perabot dan hiasan dalaman yang besar dekat area sini. Ada ekspo rupanya.

Aku tengok isteriku dan anak-anak happy sangat. Pergi dari satu pameran ke satu pameran. Dari satu galeri ke satu galeri. Display ke display. Dari pameran ruang tamu ke ruangan dapur.

Aku tengok dan tanya harga.

“Ribu. Belas ribu. Puluh ribu.”

Isteriku pimpin tanganku dan anak-anak. Sepanjang pameran, dia senyum saja. Hairannya, tak pula dia suruh aku beli.

Sampai di ruangan galeri dapur, dia berhenti lama. Aku tahu, dia mengimpikan dapur luas seperti itu. Ada kabinet, lengkap dengan ketuhar, dapur masak dan hood. Barangan dapur serba lengkap. Wanita mana yang tidak suka?

Dia memegang erat sedikit genggaman tanganku. Aku tahu, dia mahu.

“Abang, jom. Kita balik. Dah puas tengok.”

Aku terkebil-kebil. Menuruti saja langkahnya ke kereta uzurku.

Dalam kereta, isteriku tak lepaskan tanganku. Aku sengaja bertanya,

“Awak nak dapur macam tadi, ya?”

Dia jawab,

“Nak sangat. Tapi…”

Aku mencelah.

“Tapi?”

Dia meletakkan kepalanya di bahuku.

“Tapi, biarlah. Syukur dengan dapur rumah kita. Syukur dapat makan dan minum apa adanya. Bukan dapur yang saya ingini, tapi abang dan anak-anak ada di sisi. Masa makan, ceria dan gelak sekali. Gurau senda dengan famili. Meja kecil, senang nak capai dan hulur lauk. Senang nak suap suami dan anak-anak makan. Dapur yang bahagia.”@#

Aku terdiam. Senyum paksa.

“Abang tahu impian awak..”

Isteriku cepat-cepat genggam erat lagi. Kali ini lenganku jadi mangsa.

“Abang jangan fikir macam-macam. Saya ajak abang datang sini, supaya keinginan mata saya untuk lihat semua tadi, pudar setelah dah lihat. Tak terbayang-bayang dah. Tengok dan lupakan.

Mencintai tidak bermakna perlu memiliki. Suka, tak bermakna nak beli.

Semua barangan mewah tadi, dari ruang tamu sampai ke dapur, dari pagar rumah sampailah rumah mewah, saya impikan abang dan anak-anak ada bersama dalam rumah tu dengan kelengkapan tu semua.

Indah sangat ada segalanya. Bahagia sangat.

Tapi saya bayangkan bukan indah di dunia, bang. Saya bayangkan mahligai di Syurga ada lebih dari semua tadi. Segalanya ada belaka.

Apa guna jika ada semuanya, tapi abang dan anak-anak tidak turut serta? Itu bukan bahagia maknanya pada saya.

Abang, susah kita sekarang, semua yang kita lalui sekarang ini adalah harga yang sedang kita bayar untuk mahligai di akhirat kelak. Makin kita sabar dan tenang lalui pahit-maung, suka duka masih bersama, insya-Allah.

Syurga jadi milik kita jua.

Bang, ‘syurga’ bagi setiap orang tidak sama. Ada orang makan kek yang harga mahal barulah dia terasa bahagia.

Tapi, saya dan anak-anak, makan biskut tawar pun sudah terasa nikmat bahagianya.

Abang, anak-anak. Syurga saya.”

Aku terkesima dengan kata-kata isteriku. Berhenti seketika di bahu jalan. Aku cakap dengan dia nak check tayar. Macam tak sedap saja drive. Padahal, aku tunduk tengok tayar, nangis sendirian.
Masuk balik kereta. Senyum.@#

“Depan sana ada air jambu asam boi. Semua nak tak?”

Isteri dan anak-anak serentak jawab, “Nak!”.

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How to Get the Best Rate on Your Commercial Mortgage

Commercial mortgage borrowers often ask us how lenders determine the rates that they offer on commercial mortgage loans. There are many criteria that lenders use when determining rates, but lenders will assess the relative risk of a loan when reviewing a loan application. The lower the risk, the lower the rate. The higher the risk, the higher the rate. It is important to understand what factors are important to lenders and underwriters.

- Borrower Qualifications. Lenders will analyze a borrower or guarantor's net worth, liquidity, cash flow, credit history and real estate experience in determining overall risk. Lenders like to see borrowers with a good history owning and managing similar properties. They want to see sufficient cash reserves to cover unexpected issues that might arise and they expect to see that borrowers have a good history of paying their bills in a timely matter.

- Property location and market. Good quality properties in large metropolitan and suburban areas are considered lower risk than inferior properties and properties in small rural locations. Good properties in good locations are easier to rent in the case where tenants move out or situations where the remaining lease terms are short. For example, if a property in a poor location becomes vacant, it will require a significant amount of renovation to attract new tenants.

- Tenant mix. Multi-tenanted properties with good quality tenants and long-term leases are very desirable when financing office and retail properties. Lenders do not like vacancy, high turnover rates and properties in a constant state of flux. Lenders like to see well run properties that attract and maintain long term tenants

- Stabilized occupancy. Lenders look for properties that have enjoyed high occupancy levels with minimal disruption for the last 2 to 3 years. Properties with vacancies and fluctuating rental histories are considered higher risk. Lenders will ask for operating statements for the past 2-3 years. They expect to see steady occupancy and increasing net income. Properties that fluctuate wildly with income and expenses will generate lots of questions.

- Property Condition. Properties in good condition with little deferred maintenance are considered lower risk than properties in need of major capital improvements. Properties in poor condition will usually require that the lender set aside or escrow funds for repairs and maintenance. Properties in poor condition tend to perform worse than well maintained properties.

- Leverage. Loan-to-Value is very important in determining risk. A 50% LTV(loan to value) loan will price better than a loan at 80% LTV. If a property experiences difficulty, there is much more room for error on low leverage loans.

-Debt Coverage. This refers to the excess in net operating income over annual mortgagepayments. The more excess cash flow a property produces, the lower the risk. Excess cash flow can be used to mitigate against turnover, repairs or other cash drain.

At the end of the day, lenders do not want to expose their lending institutions to undue risk. A borrower should be prepared to address all of these issues to the satisfaction of the lender at application in order to increase the chances of getting approved for a loan at the lowest rate possible.

Once you are qualified for a commercial mortgage loan, it is helpful to get an idea of your proposed monthly payment in advance. A commercial mortgage calculator is a very helpful and useful tool. Whether you are purchasing a new commercial building, or refinancing an existing commercial loan, it is helpful to know how much of a loan you can afford at today's rates. A commercial mortgage calculator will calculate your monthly payment for you. You will be asked to enter the loan amount, number of years, and interest rate. The mortgagecalculator will calculate your monthly payment.

Stephen A. Sobin is an industry veteran with over 30 years of mortgage lending experience. Mr. Sobin is a proud member InterCapital Group, a nationwide alliance of commercial mortgage professionals. Stephen A. Sobin is President of Select Commercial Funding LLC. Visit http://www.selectcommercial.com for more information.

Article Source: http://EzineArticles.com/expert/Stephen_Sobin/1229699

Article Source: http://EzineArticles.com/9251209

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