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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 [...]
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 [...]
A couple of days ago, we received a call from a client. And let's called her Ms. Amy (not actual name). Amy bought a house in the year 2000 with her brother and joint name for the loan as well. The house is occupied, and the house installment is paying by her brother. In [...]
Best Home Loan Rates Exciting news!! We have The Best Home Loan Rate Malaysia to announce today.We do love when there is a new Home Loan promotion, and we know you will too. OCBC announced a New OCBC Home Loan Promotion. And they have limited quota on this. Currently, the OCBC Home Loan Promotion [...]
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 [...]
HOW TO APPLY FOR REFINANCING? (Straight forward version ) 1. Approach Malaysia Housing Loan consultant Mr. David at 0126946746. 2. We will go through your financial and property background. 3. Determine whether should you proceed for refinancing now or later. IF NOT TO PROCEED NOW. 1. We will offer free advise and steps you [...]
