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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.

FLAT-RATE Vs. EFFECTIVE RATE

Adakah anda keliru dengan pengiraan Flat Rate dan Effective Rate? Mungkin artikel ini dapat merungkaikan kekeliruan anda. Bank dan firma kewangan menawarkan pelbagai jenis pinjaman untuk memenuhi keinginan produk kewangan pelanggan. Sebilangan besar bank dan firma kewangan memberi pinjaman ke atas produk kewangan seperti pinjaman perumahan, pinjaman kenderaan, pinjaman peribadi, dan pinjaman pendidikan kepada [...]

By |2020-09-19T21:28:03+08:00September 19th, 2020|Home Loan Library, Latest News and Update|0 Comments
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Housing Loan Eligibility Malaysia

Question For Housing Loan Eligibility. Hi there. I have a net 3000 salary. Basic is 3200, with an allowance of RM150. I wish to know am I eligible for a housing loan. This is my first home. The car loan is going to complete in 2 months. I have a PTPTN loan, which I'm [...]

By |2020-09-08T15:04:23+08:00September 8th, 2020|Latest News and Update, Buying A Home, Home Loan Library|0 Comments
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WHICH BANK IS MORE SUITABLE FOR FOREIGNERS TO GET HOME LOAN?

Malaysia's Government always encourages foreigners to choose Malaysia as their second home, whether for a long-term stay, retirement, or investment purposes. The Government recently reduced the minimum price threshold from RM1million to RM600,000 for foreign property purchase with selected properties and projects. Foreigners are most welcome to buy and invest property in Malaysia; the [...]

By |2020-09-06T18:10:56+08:00September 6th, 2020|Latest News and Update, Buying A Home, Home Loan Library|0 Comments
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Why Do I Need Refinancing?

Many people refinance for many reasons, I will share the common reasons why people refinance their property. 1) Expensive Interest Rates We can presume every year, housing loan interest rate become lower and lower because of the competitive market. If you have the existing housing loan for a long time and never adjusted your [...]

By |2023-04-15T09:43:36+08:00April 5th, 2020|Frequent Ask Questions, Home Loan Library, Refinancing Your Mortgage|Comments Off on Why Do I Need Refinancing?
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What will happen if I take the six months moratorium for my home loan?

Question: What will happen if I take the six months moratorium for my home loan? Answer: These are the things that will or might happen if you take the six months moratorium for your Home Loan. 1. You are not required to pay monthly installments for six months. It also means you are not [...]

By |2020-03-31T22:43:17+08:00March 31st, 2020|Latest News and Update, Home Loan Library|0 Comments
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What do we know so far about Six Months Moratorium announced by BNM?

When BNM announced the six months Moratorium on 24 March 2020, many people welcome the movement. And we here go ecstatic with the news because we know it will help lots of people out there. If you're late to the news, let me explain as simple as possible what is this six months Moratorium [...]

By |2020-03-29T21:21:32+08:00March 29th, 2020|Latest News and Update, Home Loan Library|0 Comments
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Korang Wajib Tahu Dengan Jenis-jenis Home Loan Yang Ada

Korang wajib tahu dengan jenis-jenis home loan yang ada. Ada full flexi, ada semi-flexi, dan ada basic term loan. Orang buat bisnes dan ada banyak lebihan duit bulanan ambil Full-flexi loan, supaya lebihan duit boleh simpan dalam akaun semasa untuk kurangkan interest home loan. Duit dalam akaun simpanan tadi, kita boleh keluar semula. Principal [...]

By |2019-11-11T13:46:23+08:00November 5th, 2019|Home Loan Library, Latest News and Update, Refinancing Your Mortgage|0 Comments
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What Fees Incurred when refinancing?

There are few fees incurred if you proceed for refinancing. However, the most important fees are able to finance together with the loan. Lawyer Fees, Stamp Duty and Disbursement Fees for Preparing of Loan agreement. These fees are allowed to be financed with the housing loan. However, still subject to bank’s approval. [...]

By |2019-12-27T18:18:36+08:00August 8th, 2019|Frequent Ask Questions, Home Loan Library, Refinancing Your Mortgage|Comments Off on What Fees Incurred when refinancing?
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Why Bank Reject Your Home Loan When You Have No Credit Record? (No Loan)

First Time Home Buyer Tips Why Bank Reject Your Home Loan When You Have No Credit Record? (No Loan) Many of us have traditional parents that told us to save money, get married, and buy a house. I know it sounds boring. ( Literally, I was yawning thinking of this) The truth is it's [...]

By |2019-07-20T19:08:18+08:00July 20th, 2019|Buying A Home, Home Loan Library, Latest News and Update|0 Comments
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How To Get 4.16% Home Loan Interest Rates?

In the last quarter, Bank Negara Malaysia (BNM) reduced the Overnight Rate (OPR) to 3%, and this is good because every bank in town started to reduce their Base Lending Rate (BLR) or Base Rate (BR). And because of this our home loan installment has reduced and we're getting an insanely low home loan [...]

By |2019-06-29T13:48:32+08:00June 24th, 2019|Buying A Home, Frequent Ask Questions, Home Loan Library, Interest Rates Update, Latest News and Update, Refinancing Your Mortgage|0 Comments
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