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Recently, someone asked us about AKPK. Can they apply for a loan if they have AKPK?First of all, if you don't know what AKPK is. AKPK stand for Agensi Kaunselling dan Pengurusan Kredit (AKPK) or the Credit Counselling and Debt Management Agency.AKPK is set up by Bank Negara Malaysia (BNM) or our central Bank.So here [...]
Someone shared this on social media. Harga sebuah KEMALASAN. Foodpanda: RM93.10 Pergi Kedai : RM58.00 Harga kemalasan RM35.10 untuk drive 2km je. I found this fascinating topic because there are two ways or more to look at it. One is obvious. Instead of using Foodpanda to buy the food, you can directly go to [...]
How will it impact your home loan? Read this article to understand more. On May 11th 2022, Bank Negara Malaysia (BNM) increased the overnight policy rate by 25 basis points to 2% from a record low of 1.75% as global inflationary pressures have risen sharply. The OPR at 1.75% is the lowest on record, [...]
When it comes to home loan packages, we all want the best. Who isn't right? We will window shop from one bank to another to choose the best home loan package. If we can dream, I guess the best home loan package will be like this. We want the lowest interest rates in the [...]
Property stamp duty can be a considerable amount to pay when buying a house. Still, you might entitle to a property stamp duty exemption; continue to read this article to find out more. Some might see this year as a challenging year; spending on any big purchases such as houses or cars are very [...]
Have you heard someone say that it is FREE stamp duty, legal fees, and disbursement fees when purchasing this property? What does it mean? This week, I will discuss what FREE stamp duty, legal fees, and disbursement fees context mean. Personally, I feel these few words can seem to be misled if without further [...]
As our parents grow old, they would want to transfer their property to us; if you are still searching for how to do the transfer, I hope this article- transfer property from mother to son is useful.Hey everyone,Recently, we received a question about transfer property from mother to son. Here is the question. Hi,I bought [...]
Are you looking to buy a house in the coming months? You’ll need to prepare the deposit for a house. Let’s look at how much you’ll need. A deposit is an amount of money you pay upfronts towards the total cost whilst your bank loan covers the rest. The more money you save for [...]
Normally, people take MRTA when applying for a home loan. And why is that?If you do, I think you should read this post.When a borrower applies for a home loan with the bank, the bank will require the borrower to get an MRTA.In exchange, the borrower will get better interest rates. This is quite common [...]
Have you ever lost Sale and Purchase Agreement or Property Title? If you do, this article might be useful for you. Everyone will come to a certain point in their life that they want to own a house. So, when you buy a house, you will enter an agreement with the seller or developer. [...]
