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In this article, we cover the basic thing you should know about Standardised Base Rate (SBR) that was implemented in early august 2022 by Bank Negara Malaysia. Standardised Base Rate (SBR) is a new framework introduced by Bank Negara Malaysia (BNM) on 1st August 2022. The new introduction of Standardised Base Rate (SBR) [...]
Suatu hari, ada seorang customer bertanya. “Boleh ke kita "tumpang" peguam dalam SPA?” Jawapan mudah. Boleh. Seorang penjual dan pembeli boleh menggunakan peguam yang sama. Tetapi tidak digalakkan untuk menjaga hak dan kepentingan masing-masing. Selalunya dalam transaksi jual beli rumah, pembeli harus mempunyai peguam sendiri. Ini mengelakkan dari tertipu oleh penjual ataupun mana-mana pihak [...]
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 [...]
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 [...]
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. [...]
Hari ini ada seorang suami ingin bertanya mengenai Mortgage Level Term Assurance (MLTA). Dia ada membeli sebuah rumah pada tahun 2016 dan mengambil pinjaman perumahan dengan salah satu bank tempatan. Semasa membuat pinjaman perumahan, dia ada juga mengambil Mortgage Reducing Term Assurance (MRTA) bank. Kebelakangan ini jiran sebelah rumah telah mengalami musibah. Suami jiran [...]
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 [...]
In this article, I will share how you can avoid these traps when applying for a home loan and the solutions when facing one. At the start of this week, one topic keeps surfacing on my social media - Got cheated when applying for home loans. And this makes me sad and furious. I [...]
