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What we do are provide home loan advice and essential tips before or when buying a house. When a customer comes to us, we ask them to share about their situation, and then we talk with them to explore the best advice or tips and possible solutions. "Many are not aware of their right [...]
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 [...]
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One general misconception is that the buyer and seller can share the services of a lawyer. If fact, a lawyer can act for only one party. Either for Purchaser or Seller. A seller should engage his/her own lawyer for the transaction as this will ensure that his/her rights are protected. The legal fee is [...]
Three ways to avoid paying CKHT (Cukai Keuntungan Harta Tanah) 1. Sell the property without profit. (Sometimes have to convince LHDN that the transaction is genuine and not for the case of "mark down." If not, the property might be re-value, and seller might need to pay CKHT based on the property market value.) [...]
One of the reasons why there is a delay in completion of a property transaction is... - The Property title issued and Seller yet to transfer to his/her own name. - Then, Seller sold the house to the new buyer. - Some developer might not agree to give direct transfer. - If that happen, [...]
Question: If seller not appointing any property agent, as a buyer what is the best way to pay the deposit? Answer: Appoint lawyers to collect the deposit. It's better for buyer and seller to appoint their own lawyer, 2 different lawyers. To avoid any issue or conflict of interest and to protect buyer and [...]
MRTA vs MLTA 分别 MRTA MLTA 不辛事故发生（死亡或终身残废）， 保额是直接赔给银行。 不辛事故发生（死亡或终身残废）， 保额是可赔给指定受益人。 保额根据贷款而减少。 保额保持。 不能转移（再融资Refinancing 或第二间屋子） 可以转移（再融资Refinancing 或第二间屋子） 保费是一次过給的。一般是算在跟行貸款，但需要給利息。 保费可分期如年，半年，三个月或每个月。 没有现金价值（Cash Value), 半途断保, 可能拿回退保价值(Surrender Value), 视公司条款而定。 有现金价值（Cash Value) 。 可提早领取退保价值（Surrender Value) 来提早还清房屋贷款。 (有些MLTA的退款保价值是有保证的) 保障-借款人自然死亡/病逝和终身残废 *没包括36种疾病 保障-借款人自然死亡/病逝和终身残废， *可以追加36种疾病(相对的保费也会提高) 收益人- 银行 收益人-可以放家人当收益人 保费较低 保费较高 If you think this is helpful, feel free to share it [...]
When comes to the purchase of a completed property, you'll need to aware of the cost occur. Completed property or Subsale properties are among the best investment right now. If you look hard enough, you might find a good deal in this market. Despite the attractive return, buying a subsale property require lots of [...]
Everything you need to know about Debt Service Ratio. Debt service ratio is used by a bank to calculate the eligibility of loan for a borrower. To be honest, debt service ratio by banks changed a lot since the last decade. And sometimes, it’s quite hard to keep up as different banks will have [...]
