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Home Loan Library

In this home loan library, we talk about home loan interest rates, latest package about home loan, news about home financing and many more.

WHY PAY MORE, WHEN YOU CAN PAY LESS?

When I first joined a bank in year 2002/2003, many banks are offering fixed rate for a whole tenure. Mostly under Islamic loan package Bai Bithamin Ajil (BBA) concept with around 7% and above fixed interest rate. So at that time, Malaysia just recovered from a recession in 1997/1998. People scared their interest rate will [...]

By |2023-04-15T09:43:53+08:00March 31st, 2023|Home Loan Library, Latest News and Update, Refinancing Your Mortgage|0 Comments
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What Is The Difference Between Remortgage And Refinance?

Question: Hi, I have a house. The house is fully paid for. Now, I want to get financing for the home. What is the cost that I need to pay? And what is remortgage vs refinance? Answer: A remortgage is when your house has fully paid up, and now you want to get new [...]

By |2023-04-15T09:53:40+08:00February 15th, 2023|Latest News and Update, Home Loan Library, Refinancing Your Mortgage|0 Comments
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Standardised Base Rate

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) [...]

By |2023-01-02T14:48:30+08:00January 1st, 2023|Buying A Home, Home Loan Library, Interest Rates Update, Latest News and Update, Property Transfer In Malaysia, Refinancing Your Mortgage|0 Comments
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Can you take a loan if you have an AKPK record?

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 [...]

By |2022-06-18T16:09:32+08:00June 18th, 2022|Latest News and Update, Home Loan Library|0 Comments
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How To Choose The Best Home Loan?

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 [...]

By |2021-12-04T11:36:33+08:00December 4th, 2021|Buying A Home, Home Loan Library, Latest News and Update, Refinancing Your Mortgage, Stamp Duty & Legal Fees|0 Comments
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Do you take MRTA when applying for a home loan?

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 [...]

By |2021-11-15T23:15:26+08:00November 15th, 2021|Insurance, Buying A Home, Home Loan Library, Latest News and Update|0 Comments
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The difference between CCRIS & CTOS?

The difference between CCRIS and CTOS report is the information provided by both reports. CCRIS report has limited information provided and limited to all the loans provided by the banks in Malaysia. The CTOS report has a more comprehensive range of information that includes all the information in CCRIS, some other telecommunication companies, water [...]

By |2021-05-15T00:27:30+08:00May 15th, 2021|Buying A Home, Frequent Ask Questions, Home Loan Library, Latest News and Update, Property Transfer In Malaysia, Refinancing Your Mortgage|0 Comments
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WHICH BANK HOME LOAN IS BEST?

We all want to get the best Home Loan package. And it can be done through a simple understanding of own desires. I love the topic of Home Loan, but let's be honest, it gets overwhelming sometimes. Articles tell us to choose based on interest rates; the lowest the interest rate, the better it [...]

By |2021-03-29T12:42:42+08:00March 29th, 2021|Buying A Home, Frequent Ask Questions, Home Loan Library, Latest News and Update, Property Transfer In Malaysia, Refinancing Your Mortgage|0 Comments
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3rd Housing Loan Story

We have one client; let call him Mr Sham (not his real name). Mr Sham wants to buy a house in Shah Alam, and he has been dealing directly with the Seller. So, he came to us to advise buying the house and how to go about it. At the same time, he wants to [...]

By |2021-03-03T16:17:09+08:00March 3rd, 2021|Buying A Home, Home Loan Library, Latest News and Update, Property Transfer In Malaysia, Refinancing Your Mortgage|0 Comments
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