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I’ve been thinking lately ... how do certain people reach great success in life? I’m not just talking about material/financial success. Also, the success of having an amazing family, friends, relationship, peace with themselves, joy, having purpose, etc. Ultimately, it all comes down to mindset and belief that those things are possible and can [...]
Existing home loan interest rates, which one is yours? Less than 4.20% - Wow! You're holding the cheapest interest rates. Less than 4.39% - You have a more competitive home loan interest rate. Less than 4.70% - You have a more reasonable home loan interest rate. Less than 5.00% - Try to explore [...]
There's one customer who was so skeptical to apply for a loan after being rejected multiple times. Totally understandable. Who likes to be rejected? The thing is if you have higher debts compare to your income, the chances are higher for the bank to turn you down. As long as you kept the [...]
Many years ago, my family and I were living in a low-cost flat somewhere around Setapak. We lived there for many many years. Once my sister and I have a steady job. We decided to move to a bigger house. As the flat unit is about 529sft and there were 3 of us, we [...]
PERNAHKAH anda dengar rakan-rakan anda berkata: “Aku sudah bayar hutang rumah lima tahun, tapi baki hutang macam tidak berkurangan,” atau mungkinkah anda juga merasai pengalaman yang sama? Saya pernah dulu menanggung hutang rumah sebanyak RM200,000. Setiap bulan saya bayar RM10,050. Tetapi selepas lima tahun saya bayar hutang rumah saya, baki hutang rumah masih lagi [...]
You’re ready to buy a home, but you can’t find a bank who will approve your home loan. While this might seem discouraging and frustrating, it is not necessarily the end of your dream to become a home owner. Once you know the reason that you are considered a bad risk, you can improve [...]
MRTA vs MLTA 分别 MRTA MLTA 不辛事故发生（死亡或终身残废）， 保额是直接赔给银行。 不辛事故发生（死亡或终身残废）， 保额是可赔给指定受益人。 保额根据贷款而减少。 保额保持。 不能转移（再融资Refinancing 或第二间屋子） 可以转移（再融资Refinancing 或第二间屋子） 保费是一次过給的。一般是算在跟行貸款，但需要給利息。 保费可分期如年，半年，三个月或每个月。 没有现金价值（Cash Value), 半途断保, 可能拿回退保价值(Surrender Value), 视公司条款而定。 有现金价值（Cash Value) 。 可提早领取退保价值（Surrender Value) 来提早还清房屋贷款。 (有些MLTA的退款保价值是有保证的) 保障-借款人自然死亡/病逝和终身残废 *没包括36种疾病 保障-借款人自然死亡/病逝和终身残废， *可以追加36种疾病(相对的保费也会提高) 收益人- 银行 收益人-可以放家人当收益人 保费较低 保费较高 If you think this is helpful, feel free to share it [...]
With the new BR, which came into effect on January 2, 2015, interest rates are determined by the banks’ benchmark cost of funds and Statutory Reserve Requirement (SRR). Other components of loan pricing such as borrower credit risk, liquidity risk premium, operating costs and profit margin will be reflected in a spread in the [...]
