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Refinance rumah adalah satu proses yang amat popular di kalangan pemilik rumah. Sebelum refinance rumah pastikan anda baca artikel ini. Ini kerana membeli rumah adalah satu pelaburan yang bagus dan bijak. Dengan mempunyai rumah anda boleh mendapat duit lebih apabila harga pasaran rumah naik. Bukan itu sahaja, anda juga boleh menyewa rumah tersebut dan [...]
Pernah tak anda terfikir, apa perbezaan refinance rumah dulu dan sekarang? Selama 18 tahun dibidang ini, banyak perubahan yang Melissa lihat. Masa zaman persekolahan dulu, Melissa suka mendengar lagu Datuk S.M.Salim. Salah satu lagu yang masih terngiang-ngiang di telinga berbunyi begini. Dulu Lain... Sekarang Dah Lain... Dulu Bujang... Sekarang... Dah Kahwin… Dahulu seorang, sekarang [...]
Salah satu sebab orang suka buat refinance rumah adalah untuk mendapat aliran tunai atau cash-out. Seperti yang kita maklum, bila kita membeli rumah ia adalah satu pelaburan. Selalunya untuk mendapat pulangan dari pembelian rumah ia akan memakan masa yang panjang – antara lima hingga sepuluh tahun. Dalam tempoh tersebut harga rumah semestinya akan naik [...]
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 [...]
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 [...]
This week video consists of questions that we commonly received from our client or audience. Hopefully, this video will help you in buying a house or getting a home loan from a bank. Home Loan Tips: Question and Answer 1. One Tip For First Time House Buyers 2. How Much Money Do You [...]
Hi, Happy Chinese New Year to you all. Recently, there was an increased in Overnight Policy Rates, from 3% to 3.25%. How many of you feel the heat of the increment? I guess almost everyone that has a house and still mortgaging the property to the bank will have a significant impact. Earlier this [...]
Have you ever come across with a home loan offer that Purchase Price by the bank is RM733,500 ( loan amount) Selling Price By The Bank is RM3,165,108.84 ( interest + principal, calculated based on maximum capped profit rate) In this case, the capped rate is 10% p.a Tenure 504 months @ 42 years [...]
1. Beli rumah dulu, baru beli kereta. Sebab loan kereta lebih senang nak lulus dari loan rumah. 2. Kalau ada loan PTPTN pastikan bayaran mengikut jadual. Jangan sesekali tak bayar! 3. Jika ada plan beli rumah, mulakanlah "tabung beli rumah". Target simpanan dalam 16% dari harga rumah. 4. Pastikan juga hutang pinjaman lain bayar [...]
1. Ensure you have good credit records and all other payments (if any) are up to date. 2. Keep repayments and service loans timely so as to maintain a clean financial state such as car loan, personal loan, PTPTN loan, etc. 3. On applying for a loan, disclose all financial information required correctly, such [...]
