Frequent Ask Questions

Question & Answer: Transfer Of Property To Ex-Boyfriend 2024

QUESTION: Hi Melissa, thank you for the detailed article. I have a question and hope that you could help me with. I purchased an apartment with my ex-bf for more than 11 years ago. Property title and loan under both names, and it is still now. He is going through refinancing using his wife's [...]

Down Payment For House Malaysia 2024

Down Payment For House Malaysia 2023 A downpayment is probably the most important thing to own a house in Malaysia. Buying a house is a privilege. If you're still unaware of this, then you don't know how lucky you are! But, before you can buy a house, you need to save for a [...]

The Difference Between Master title, Individual Title, and Strata Title 2024

Are you confuse between Master Title, Individual Title, and Strata Title? Before buying a house, it's essential to know the house is under Master or Individual/Strata title. There will be complication or risk to consider when buying a property that still under Master Title. Master title property will have more risk compared to the [...]

Is there a big difference to buy a leasehold and freehold property? 2025

Is there a big difference to buy a leasehold and freehold property? The obvious answer is always, Yes! Most times, when a Property Agent or Developer trying to sell a leasehold house to a customer, they will say, " nolah... not much difference. Leasehold and freehold same also.No need to worry, you will not [...]

How Do I Know If I Can Get A Housing Loan? 2025

To get an approval from bank, you first must understand the bank’s standard approval criteria. Generally, bank will look at following criteria. 1) Borrower employment background Bank will prefer if customer working in Multi National Company (MNC) and working for more than 2 years. It’s show stability in employment and income. However, it doesn’t [...]

By |2024-12-24T07:19:47+08:00November 1st, 2023|Buying A Home, Frequent Ask Questions, Home Loan Library, My First Home Scheme|Comments Off on How Do I Know If I Can Get A Housing Loan? 2025

Top 10 Tips To Avoid Being Cheated When Buying A House 2025

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 [...]

How To Reduce Housing Loan Interest? with OCBC Home Loan 2024

We have a long-time client, and she asked How To Reduce Housing Loan Interest? She has a home loan account with OCBC bank. So, how do you reduce housing loan interest? Well. I'd say there are many ways out there, but before you decide which to use, it's essential to get to know the [...]

Stamp Duty & Legal Fees For Purchasing A House 2025

Sale And Purchase Agreement Legal Fees 2023 SPA, Stamp Duty, And Legal Fees For Malaysian Property The schedule below as a reference of stamp duty and legal fees when purchasing a house. Latest Update - 2023 Professional Legal Fees: For The First RM500,000.00 - 1.0% (Subject to a minimum fee of RM500.00) For The [...]

By |2024-12-24T07:23:33+08:00November 1st, 2023|Home Loan Library, Buying A Home, Frequent Ask Questions, Latest News and Update, My First Home Scheme|Comments Off on Stamp Duty & Legal Fees For Purchasing A House 2025

Weekly Home Loan Question & Answer 2025

Customer Question: Which bank provides refinancing for an uncompleted serviced apartment? Expected completion in another year Answer: Well for property under construction or without CCC, you are not able to refinance your property. You have to wait until the property is completed. Without the CCC, valuer firm will not quote any confirm value of [...]

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