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Home Loans & Financing

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

Borrow RM733,500 and Pay RM3,165,108.84!! (4x times more from original loan)

Have you ever come across with a home loan offer that Purchase Price by the bank is RM733,500 ( loan amount) Selling Price By The Bank is RM3,165,108.84 ( interest + principal, calculated based on maximum capped profit rate) In this case, the capped rate is 10% p.a Tenure 504 months @ 42 years [...]

By |2026-03-13T12:27:25+08:00September 18th, 2017|Home Loans & Financing|0 Comments
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We’re Featured On Sin Chew Daily 星洲网Sin Chew Daily – Sinchew.com.my

发展商名誉影响贷款 房贷网 站 malaysiahousingloan.com菅理员兼MHL咨询公司房屋贷款顾问 叶佳强及 李素慧认同个人信贷的重要性， 同时， 也点出了另一些看似无关紧要， 却会影响房贷申请的原因。 李素慧耐心地解释，银行对于发展商的名誉甚是在意，因此如果一家发展商拥有不良记录，如搁置房产发展，对于购屋者的申请也会较注意。 只有总地契银行不批贷 “另外，一些已经完成建设的房子， 如果尚未获得独立地契 (lndividual Title) ， 仅有总地契 (Master Title) ， 据我们的经验， 有80%的银行是不愿冒险接受， 除非该家发展商信誉良好。“因为没有地契在手， 对于银行而言， 就是没有任何保障。 叶佳强也指出， 如果工作地点与购买房产的地点不在相同白勺地方， 申请借贷时， 也可能会面对困难。 “举例来说， 一个人来自芙蓉， 在新加坡工作， 但是， 想在吉隆坡买房子， 那银行就会询问为何在吉隆坡置产， 因为银行不晓得他们的资金从哪里来， 担心会冒太大的风睑 。 房产类型成考皇因索 叶佳强也坦言，一些房产类型也是银行考量借贷的因素之一， 如果房产属于办公家居单位 (SOHO) ， 而附近却有许多空置的店屋， 同样会影响银行房贷。其实， 银行也是盈利机构， 如果想深一层， 银行打开门做生意, 在放贷之前， 最先考虑的是什么? 没错，当然是借贷者是否有能力还贷， 在了解之后， 并不难理解， 为何某些银行会对于文件及资格审批较严厉，主要还是不希望借出去的钱收不回来，毕竟，银行还是希望能够获得保障。 [...]

By |2026-03-13T12:27:19+08:00August 10th, 2017|Home Loans & Financing|0 Comments
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How can MalaysiaHousingLoan.com help?

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 [...]

By |2026-03-13T12:27:19+08:00July 1st, 2017|Home Loans & Financing|0 Comments
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LATEST BASE RATE AND BASE LENDING RATE FOR THE MAJOR BANKS IN MALAYSIA AS AT 17/4/2017

Hey, do you know what is your home loan Base Rate, Base Lending Rate or Base Financing Rate ? If you like me which always forgetful on this, you can check out our update here. Hope this help.   LATEST BASE RATE AND BASE LENDING RATE FOR THE MAJOR BANKS IN MALAYSIA AS [...]

By |2026-03-13T12:27:05+08:00May 17th, 2017|Home Loans & Financing|0 Comments
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Thank You Sin Chew Newspaper!

We did an interview with Sin Chew Newspaper yesterday. We shared a few hot topic with Sin Chew about home loans approval, tips and tricks to get easy approval from the bank. Hopefully, it's enough for the readers. Thank you, Yoke Ping, for coming over. We had a great time! [...]

By |2026-03-13T12:26:58+08:00March 16th, 2017|Home Loans & Financing|0 Comments
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Conversation with a customer today

Customer A : I have a house that is under two names, is my boyfriend and I. Loan under two names too. And we're separating now; he will sell his portion to me. Can you help me? Me: Sorry to hear about the separation. Of course, we can help you. But, first this is [...]

By |2026-03-13T12:26:58+08:00January 18th, 2017|Home Loans & Financing|0 Comments
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Tip of the week: Check Your Loan Statement Regularly

Several years ago, I used to work with one of the local banks. I was doing mortgage sales and also handling customer service. One day, I was approached by a lady. She complained about her loan account balances that seem to be odd. So, I checked her loan account and realised that the system [...]

By |2026-03-13T12:26:51+08:00December 15th, 2016|Home Loans & Financing|0 Comments
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Do You Know – You Can Request Revised In Home Loan Interest Rates?

Remember that the interest rate on mortgages fluctuates. After a few years, you can always ask for a revised from your existing bank. Currently, it is about 4.30% to 4.50% p.a. Some house buyers who are not mindful of the current rate may be paying a mortgage interest rate of BLR + 0% or [...]

By |2026-03-13T12:26:44+08:00October 17th, 2016|Home Loans & Financing|0 Comments
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Latest Base Rate & Base Lending Rate

Latest Base Rate & Base Lending Rate As at 18/8/2016 For more Home Loan information and enquiry, please call/ Whatsapp us at +6012-6946746 or visit our website www.malaysiahousingloan.com #malaysiahousingloan #housingloan #MalaysiaHomeLoan #homeloaninmalaysia #homeloan #housingloaninmalaysia http://www.bnm.gov.my/index.php?ch=en_announcement&pg=en_announcement_all&ac=341

By |2026-03-13T12:26:37+08:00October 5th, 2016|Home Loans & Financing|2 Comments
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