Home Loan Library

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5 Home Buying Tips

Buying a house can be so much fun and full of excitement but at the same time it's can be nerve wrecking and stressful too. Why? Most people buy a house to start a family, a new start and have a place to call home to create new memories and some called Home is [...]

How To Calculate Stamp Duty

How To Calculate Stamp Duty - Stamp Duty Waiver For First-Time House Buyer Lots of people talking about buying a house. But, one thing a home buyer should know is how much the stamp duty will cost when buying a new house. Today, we're going to share the simple calculation of stamp duty [...]


Housing The Government will continue to intensify efforts to increase home-ownership for the rakyat with an allocation of RM2.2 billion as follows: 17,300 units of People’s Housing Programme; 3,000 units of People’s Friendly Home under SPNB; 210,000 units of houses under PR1MA with prices RM250,000 and below. For this, RM1.5 billion is allocation [...]

Borrow RM733,500 and Pay RM3,165,108.84!! (4x times more from original loan)

Have you ever come across with a home loan offer that Purchase Price by the bank is RM733,500 ( loan amount) Selling Price By The Bank is RM3,165,108.84 ( interest + principal, calculated based on maximum capped profit rate) In this case, the capped rate is 10% p.a Tenure 504 months @ 42 years [...]

By | 2017-09-18T20:20:03+00:00 September 18th, 2017|Home Loan Library, Latest News and Update|0 Comments

Tips For Appointing SPA Lawyer – Mistakes You’ll Never Make Again

When purchasing a house in Malaysia, purchaser requires appointing a Sale & Purchase (SPA) Lawyer to represent them. A good SPA lawyer is crucial in this situation because the moment you start buying a house, and if you're not careful, you might fall into a deep hole that orchestrates by the property agent, seller, [...]

We’re Featured On Sin Chew Daily 星洲网Sin Chew Daily – Sinchew.com.my

发展商名誉影响贷款 房贷网 站  malaysiahousingloan.net菅理员兼MHL咨询公司房屋贷款顾问 叶佳强及  李素慧认同个人信贷的重要性, 同时, 也点出了另一些看似无关紧要, 却会影响房贷申请的原因。 李素慧耐心地解释,银行对于发展商的名誉甚是在意,因此如果一家发展商拥有不良记录,如搁置房产发展,对于购屋者的申请也会较注意。 只有总地契银行不批贷 “另外,一些已经完成建设的房子, 如果尚未获得独立地契 (lndividual Title) , 仅有总地契 (Master Title) , 据我们的经验, 有80%的银行是不愿冒险接受, 除非该家发展商信誉良好。“因为没有地契在手, 对于银行而言, 就是没有任何保障。 叶佳强也指出, 如果工作地点与购买房产的地点不在相同白勺地方, 申请借贷时, 也可能会面对困难。 “举例来说, 一个人来自芙蓉, 在新加坡工作, 但是, 想在吉隆坡买房子, 那银行就会询问为何在吉隆坡置产, 因为银行不晓得他们的资金从哪里来, 担心会冒太大的风睑 。 房产类型成考皇因索 叶佳强也坦言,一些房产类型也是银行考量借贷的因素之一, 如果房产属于办公家居单位 (SOHO) , 而附近却有许多空置的店屋, 同样会影响银行房贷。其实, 银行也是盈利机构, 如果想深一层, 银行打开门做生意, 在放贷之前, 最先考虑的是什么? 没错,当然是借贷者是否有能力还贷, 在了解之后, 并不难理解, 为何某些银行会对于文件及资格审批较严厉,主要还是不希望借出去的钱收不回来,毕竟,银行还是希望能够获得保障。 [...]

Langsaikan hutang rumah dalam 10 tahun!

PERNAHKAH anda dengar rakan-rakan anda berkata: “Aku sudah bayar hutang rumah lima tahun, tapi baki hutang macam tidak berkurangan,” atau mungkinkah anda juga merasai pengalaman yang sama? Saya pernah dulu menanggung hutang rumah seba­nyak RM200,000. Setiap bulan saya bayar RM10,050. Tetapi selepas lima tahun saya bayar hutang rumah saya, baki hutang rumah masih lagi [...]

Top 10 Tips To Avoid Being Cheated When Buying A House

Buying a house is a decision that you need to make a great deal sense and prudence. For all the Malaysians who are considering buying a house, here are Top 10 Tips To Avoid Being Cheated When Buying A House. 1. When buying a completed or subsale house, deal directly with registered property agent [...]

3 Tips To Choose A Good SPA & Loan Lawyer

Choosing a lawyer can seem daunting if you have never done so before. If you're buying a house, then you need a Sale & Purchase Agreement (SPA) lawyer. So, how to choose a good and reliable lawyer to handle the property transaction and loan? The following are few helpful tips to guide you finding [...]

Top Four Reasons why your home loan might be declined

You’re ready to buy a home, but you can’t find a bank who will approve your home loan. While this might seem discouraging and frustrating, it is not necessarily the end of your dream to become a home owner. Once you know the reason that you are considered a bad risk, you can improve [...]