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TESTIMONIAL
THERE is an oft-quoted line: what goes up, must come down. With the anticipated recovery in the property sector, the focus now turns to the condominium market. Over the last decade or so, this segment has increasingly become a very big sub-segment of the property market. The overall perception today is that there is a [...]
Filled Under: Latest Article/News
RPGT on Budget 2010 The Malaysia Government has proposed to reimpose 5% real property gains tax (RPGT) for gains arising from property disposal with effective Jan 1 2010, on property sold within five years of the date of purchase. The RPGT for the first year is 5% and is the same for the second, third, [...]
Filled Under: Latest Article/News, Stamp Duty & Lawyer Fees
Ahli KWSP kini boleh mencetak penyata dan mendaftar i-Akaun di cawangan HSBC Bank terpilih melalui Kios KWSP. Maklumat waktu operasi Kios tersebut adalah seperti berikut: HSBC Bank Kuala Lumpur Main Alamat : Bangunan HSBC, No 2, Leboh Ampang, 50100 Kuala Lumpur. Hari / Waktu Operasi Kios: Isnin – Jumaat / 9.30 pg – 4.00 ptg [...]
Filled Under: Latest Article/News
Most or average Malaysian will usually need to source their deposit to buy a house. Following are the sources list : 1) Own saving from tabung haji, Amanh Saham, Fixed Deposit, Bonds and more. 2) Kumpulan Wang Simpanan Perkerja (KWSP) 3) Personal Loan ( not a wise choice since the personal loan interest rates is [...]
Filled Under: Latest Article/News
Acceptance Letter A letter from the applicant indicating his willingness to accept the loan after the loan is approved by the banking institution. Application Form A form used to apply for loan. Appraisal/valuation report A written analysis of the estimated value of real estate prepared by a licensed Valuer/Appraiser. Base Lending Rate (BLR) A minimum [...]
Filled Under: Glossary
How much can I afford? This depends on your income and other financial obligations. As a rule of thumb, most house buyers buy houses that cost 1.5 and 2.5 times their annual income. For example a house buyer earning RM40,000 a year would buy a house between RM60,000 and RM100,000. Furthermore, the monthly loan repayment [...]
Filled Under: Frequent Ask Questions
For many, a mortgage – which is simply paid every month and then forgotten about – is their largest financial commitment. Consumers have the option to choose either the fixed or floating rate mortgage. In the constantly-evolving finance market, it is always important to understand the potential future consequences of decisions made today. This way, [...]
Filled Under: Latest Article/News
1. Mortgage consultant specialize in home loans and are commission based, so it’s in their best interest to get you the best deal possible, or they don’t get paid. 2. They have an exceptionally large network of panel banks and financial institutions that they work with to get you the most favorable home loan interest [...]
Filled Under: Why Choose Us?
Under Employment 1. NRIC copy 2. Property Booking Receipt 3. Vendor Sales and Purchase Agreement / Title copy / New Sales and Purchase Agreement 4. Latest 3 months pay slips (For Basic Salary) / Latest 6 months pay slips (For Basic + Commission Earner) 5. Latest 3 months personal bank statement (For Basic Salary) / [...]
Filled Under: Document Required
Employment 1. NRIC copy or Passport 2. Working Permit (if any) 3. Property Booking Receipt 4. Sales and Purchase Agreement / Title copy 5. Latest 6 months Housing Loan Statement.( Only applicable for refinancing) 6. Letter Offer from previous bank .( Only applicable for refinancing) 7. Deposit Statement e.g. Fixed Deposit, ASB or Bonds 8. Latest 3 months pay slip 9. Latest 3 months personal [...]
Filled Under: Document Required
THERE is an oft-quoted line: what goes up, must come down. With the anticipated recovery in the property sector, the focus now turns to the condominium market. Over the last decade or so, this segment has increasingly become a very big sub-segment of the property market. The overall perception today is that there is a [...]
RPGT on Budget 2010 The Malaysia Government has proposed to reimpose 5% real property gains tax (RPGT) for gains arising from property disposal with effective Jan 1 2010, on property sold within five years of the date of purchase. The RPGT for the first year is 5% and is the same for the second, third, [...]
Ahli KWSP kini boleh mencetak penyata dan mendaftar i-Akaun di cawangan HSBC Bank terpilih melalui Kios KWSP. Maklumat waktu operasi Kios tersebut adalah seperti berikut: HSBC Bank Kuala Lumpur Main Alamat : Bangunan HSBC, No 2, Leboh Ampang, 50100 Kuala Lumpur. Hari / Waktu Operasi Kios: Isnin – Jumaat / 9.30 pg – 4.00 ptg [...]
Most or average Malaysian will usually need to source their deposit to buy a house. Following are the sources list : 1) Own saving from tabung haji, Amanh Saham, Fixed Deposit, Bonds and more. 2) Kumpulan Wang Simpanan Perkerja (KWSP) 3) Personal Loan ( not a wise choice since the personal loan interest rates is [...]
Acceptance Letter A letter from the applicant indicating his willingness to accept the loan after the loan is approved by the banking institution. Application Form A form used to apply for loan. Appraisal/valuation report A written analysis of the estimated value of real estate prepared by a licensed Valuer/Appraiser. Base Lending Rate (BLR) A minimum [...]
How much can I afford? This depends on your income and other financial obligations. As a rule of thumb, most house buyers buy houses that cost 1.5 and 2.5 times their annual income. For example a house buyer earning RM40,000 a year would buy a house between RM60,000 and RM100,000. Furthermore, the monthly loan repayment [...]
For many, a mortgage – which is simply paid every month and then forgotten about – is their largest financial commitment. Consumers have the option to choose either the fixed or floating rate mortgage. In the constantly-evolving finance market, it is always important to understand the potential future consequences of decisions made today. This way, [...]
1. Mortgage consultant specialize in home loans and are commission based, so it’s in their best interest to get you the best deal possible, or they don’t get paid. 2. They have an exceptionally large network of panel banks and financial institutions that they work with to get you the most favorable home loan interest [...]
Under Employment 1. NRIC copy 2. Property Booking Receipt 3. Vendor Sales and Purchase Agreement / Title copy / New Sales and Purchase Agreement 4. Latest 3 months pay slips (For Basic Salary) / Latest 6 months pay slips (For Basic + Commission Earner) 5. Latest 3 months personal bank statement (For Basic Salary) / [...]
Employment 1. NRIC copy or Passport 2. Working Permit (if any) 3. Property Booking Receipt 4. Sales and Purchase Agreement / Title copy 5. Latest 6 months Housing Loan Statement.( Only applicable for refinancing) 6. Letter Offer from previous bank .( Only applicable for refinancing) 7. Deposit Statement e.g. Fixed Deposit, ASB or Bonds 8. Latest 3 months pay slip 9. Latest 3 months personal [...]