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I'm going to share a few reasons to refinance your house now. And this is the story of one of our past client. Recently, the client applied for refinancing. He is 40 years old young, a teacher and very eager to apply for refinancing. Mainly to fully settled his loan. He submits in a [...]
When it comes to buying a home in Malaysia, one of the biggest challenges you'll face is finding the right home loan option. With so many home loan products available, choosing the one that's best for you can be overwhelming. In this article, we'll take a closer look at four popular types of home [...]
If you want to know how the leasehold extension premium is calculated, this article is for you. For people who say leasehold and freehold property is the same, LET ME PROOF YOU WRONG. Today, one customer inquire about the leasehold extension premium fees in Selangor. As we all know, Leasehold property and Freehold property [...]
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 [...]
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 [...]
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 [...]
