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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) [...]
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 [...]
Question: Can I transfer half of the house to my spouse & get 100% exempted? Hi, I just bought a property under my name. The loan is under me as well. My agent tells me I can't add my girlfriend's name as we aren't married, and I applied for the loan on my own. [...]
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 [...]
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 [...]
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 [...]
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 [...]
Question: Can I Transfer My Property To My Wife? Hi, I need to know what else I should do/procedure—currently, house under joint name between my wife and me. I want to transfer my 50% to my wife, and I believe stamp duty is exempted under transfer of love in the property. What else I [...]
Last week, a client came to us and wanted to do a refinance home loan. Little did she knows that her case is complicated and going to cost her more. For the story's sake, let call her Ms. Alice, which is not her real name. (We respect our client privacy) Ms. Alice has a [...]
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 [...]
