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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 [...]
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 [...]
There are few fees incurred if you proceed for refinancing. However, the most important fees are able to finance together with the loan. Lawyer Fees, Stamp Duty and Disbursement Fees for Preparing of Loan agreement. These fees are allowed to be financed with the housing loan. However, still subject to bank’s approval. [...]
For Under Employment: (Meaning working with company or receive a fixed monthly income) 1. NRIC copy 2. Sales and Purchase Agreement / Title copy 3. Latest 3 months pay slips (For Basic Salary) / Latest 6 months pay slips (For Basic + Commission Earner) 4. Latest 3 months personal bank statement (For Basic Salary) / [...]
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 [...]
Anda dah failkan tindakan terhadap pemaju di Tribunal Pembeli Rumah. Dan Tribunal pun telah buat keputusan berpihak kepada anda. Tetapi masalahnya pemaju tak patuh kepada perintah/ keputusan yang telah dibuat oleh Tribunal. Apakah tindakan yang patut anda lakukan? Ada 2 tindakan yang anda boleh lakukan : 1. Prosiding Mahkamah I. Failkan prosiding komital terhadap [...]
Living in an area near LRT stations can be a convenience for Klang Valley populations. With the extensive LRT, KTM, and MRT project, the life has been much easier for Klang Valley folks to move around and avoid traffic. We realised that if you're living in Klang Valley, traffic jam is like your butter [...]
Every day there are people just like you and me made mistakes in their home loan. By acquainting yourself with “5 common housing loan mistakes to avoid” article, you can save thousands on your housing loan. Read on so you can avoid these pitfalls. APPLYING 1 BANK AND THAT’S IT Banks love if you can [...]
If you plan to buy a house, you’ll most probably need a home loan. However, getting a good home loan is actually pretty challenging. You’ll need to determine the kind of loan you need, and you’ll have to find out the best suitable offer. When it comes to home loans, many people in Malaysia often [...]
