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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 [...]
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 [...]
When comes to the purchase of a completed property, you'll need to aware of the cost occur. Completed property or Subsale properties are among the best investment right now. If you look hard enough, you might find a good deal in this market. Despite the attractive return, buying a subsale property require lots of [...]
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 [...]
When I was a little girl, I used to stay in a landed house. We have a great and big compound to run around and it such a happy times. But, with a landed house comes with a high risk of a home break-in. We experienced twice and totally shaken with the whole experience. [...]
Do you know if you're living on a commercial land title, your utility bills will be based on commercial rates? This happens to some of the service apartments, SOHO, SOVO or SOFO in the city. For example, the minimum monthly bill for a residential Syabas bill is RM6, while commercial bills start at RM36. [...]
VARIOUS cooling measures introduced by the Malaysian government and Bank Negara Malaysia (BNM) for the last nine years. Let's recapped all the cooling measures in summary. YEAR 2007 It was reported that in 2007, the Developer Interest Bearing Scheme (DIBS) was first introduced by a property developer in Penang, as a precursor to the [...]
Ms. A: My husband passed away, he bought a house and took a loan with your bank. He also bought MRTA. Bank: Oh okay, let me check. (clicking the computer). Bank: Yes, he took a loan with us. Let me check the MRTA. (After a while...) Ms. A, the MRTA is not enough to [...]
Today, a customer name Mr. A shares his story with us. Mr. A bought a property from a seller. Seller has misplaced their original SPA. But, the seller has a CTC SPA copy. The property was an old property, under the master title and developer is no longer around. A liquidator company was taking [...]
I think we know by now that the complete process of purchasing a house will take about 3-6 months. That's the average. But, why a purchaser should avoid buying a house during early or end of the year? There are a few reasons:- 1. Too many holidays during that time, e.g., Christmas, new year [...]
