For Loan amount above RM200,000:

Up To BLR – 2.40% whole tenure

(Until 31st January 2012)

Subject to Terms and Conditions apply.

For more home loan information, please contact us now.

AIA Home Loan

Congratulations! You have already proven that you have what it takes to succeed in life. With hard work and sheer dedication, you now have the resources to buy a property and build your very own home. At AIA, we recognize your efforts and offer the chance to secure your property to our low, long-term fixed rate home loan. Help make your future financial commitments safer and secure by signing up for our BLR-free loan.

AIA Fixed Rate Home Loan offers:

Home Purchase

Refinancing or switching of home loan from other financial institutions to AIA.

Interest Rate

AIA HOME LOAN – THE LOWEST LONG TERM FIXED RATE IN MALAYSIA

4.85%
p.a. fixed with Non Zero Moving Cost up to 30 years

5.25%
p.a. fixed with Zero Moving Cost (Free
valuation, legal fees, stamp duty on loan)

This is strictly for a limited time period only so get in your applications asap. The
packages are applicable for both purchase of properties and refinancing of existing loans

The benefits you’ll enjoy with AIA HOME LOAN:

• Peace of mind – with fixed instalments for the life of loan despite rising BLR and inflation
• Smart financial planning – fixed your financial cost for your biggest liability…
• Lock In At Low historic rate – of 4.85%p.a. which is the lowest avg lending rate for past 30 yrs*
• Enjoy Real capital gains – as your property appreciates while interest cost remains fixed.

Benefits
Guaranteed fixed interest rate for the entire loan period or up to 30 years. Absolutely no fluctuations in interest rate. The one opportunity to lock in at these fantastic low fixed rates for up to 30 years.

Assured financial planning and peace of mind. Fixed monthly repayment helps to plan and chart a clearer financial planning for the family as housing loan instalment is one of the highest loan commitments in the family.
$ Daily Interest – Loan calculation based on daily interest.

Definition of zero moving costs – Zero moving cost are fees that will be borne by AIA which includes only valuation fees, professional legal fees, stamp duty, discharge and disbursements (such as registration fees, land office and bankruptcy searches.) Other fees such as administration charges by developers etc are excluded.

Apply Now To Secure You Fixed Rate

Do you want a home loan that allow you to sell your property anytime?

Do you want to service interest only for first 3 to 5 years?

If your answer “ Yes” for one of the above.

Please contact us now, we may have suitable loan package for you.

3 years Fixed Rates :

 1^st -3 year  : 4.50%

 TA : BLR – 2.20% ( with MRTA)

5 years Fixed Rates

1-5^th years : 5.00%

TA : BLR – 2.20% ( with MRTA)

10 years Fixed Rates :

1-10^th years : 5.85%

TA : BLR – 2.20% ( with MRTA)

Property value must be RM300,000 and above.

Subject to Terms and Conditions apply.

For more home loan information, please contact us now.

BLR – 2.20% whole tenure

Subject to Terms and Conditions apply.

For more information, please contact us now.

Lockin 3 years

BLR – 1.50% whole tenure

No Lockin

Subject to Terms and Conditions apply.

For more information, please contact us now.

1^st 3 years : 4.15%

Thereafther BLR – 1.90%

Lockin 3 years

Subject to Terms and Conditions apply.

For more information, please contact us now.

Finally a wholesome home loan package with reference rates that you can easily understand and won’t keep you guessing!

Where every sen counts, it pays to understand your home loan reference rates. Compared to BLR rates which are continuously changing and unpredictable, this new first-of-its-kind Home Loan Fixed Deposit (HLFD) option offers you a more transparent and stable reference rate, allowing you to plan your finances better. Designed with your best interests in mind, the innovative HLFD package features interest rates that are pegged against Bank’s prevailing 12-months Fixed Deposit Rate (FDR)* along with our classic value added benefits listed below for banking solutions that are simple, convenience and delivering value. 

* 12-month FDR is currently at 3.0% per annum.

Type of Financing
Purchase and refinancing of completed residential properties costing RM200,000 and above.

Competitive Interest Rates
Up to FDR + 1.25% per annum.

High Margin of Financing
up to 90% (+5%).

Flexible Financing Options
You can opt for :
                Housing loan and/or term loan.
                Housing loan or term loan with flexi features.

Longer Loan Tenor
30 years or up to age of 70, whichever is earlier.

Subject to Terms and Conditions apply.

For more home loan information, please contact us now.

Given the costly property prices and the huge amount of upfront capital involved, some people, especially first time homebuyers, may find co-ownership a more viable route to take. Of course when you are on the same wavelength, this can work out amicably.

Co-owning allows us to leverage on our co-owner’s income to qualify for housing loan. It also allows us to raise a higher down payment so that we are able to buy bigger or more sough-after property. Rather than putting your individual name on the property, a better way to co-own a property is to set up a company. However, it is preferable a Sdn Bhd company. You may want to consider other cost incurred by setting up a Sdn Bhd company such as secretarial and company fees and tax implications as well.

Ensure that your co-owner is somebody you know very well too. Banks are fickle about who you share your property with. You must have a close relationship with the person. They could be your siblings, spouse, children, mother and father. Banks rarely give out loans to friends because there are no ties. However, most banks still acceptable fiancé or fiancée relationship. Even though, there are cases in the past, when everything turn sour, the settlement can end badly.

One party not selling and paying for the installment, while another party keep paying to avoid property being auction or his/her name ended in bank’s poor record. According, to banks experience the obligation to service loan commitment weaker when someone  co-owns properties with friends, girlfriends, boyfriends and business partners. It is less risky, if you co-own the property with immediate family members and if it is your own use because you are more obliged to assist each other.

Co-owner allows you to share the liabilities and ownership of the property equally. This mean, your liabilities towards the loans will be calculated partially. It will reduce the debt service ratio (DSR). DSR is use in banks for calculating customer total commitment with the new loan on board. It is very important for customer to remain within bank guidelines. If the DSR is too high, customer loan amount may be reduced or bank may suggest for co-borrower in the application.

Choose wisely when you are looking for co-owner because it can help you or vice versa.

Full flexi home loan is a well-liked pattern in Malaysia. Most Malaysian with additional cash will prefer to opt for full flexi home loan. Mortgage One is the pioneer for this full flexi home loan.

I nonetheless can remember when the first time Mortgage One being introduce to the market. Customer was queuing long at Standard Chartered branches just to be a part of this phenomena home loan product at that moment. They’d like to have this so referred to as distinctive and flexible home loan.

I do salute people who had contribute to this wonderful home loan program which now turn out to be a trend in most of the banks home loan financing product.

So, what’s full flexi home loan?

Full flexi home loan has the flexibility to avoid wasting numerous your money and time. With flexi home loan, your saving, present, home loan and deposits account are all rolled into one account. By doing so, any deposit made into this account goes into decreasing your loan outstanding.

When the mortgage outstanding is decrease, the interest paid on the mortgage can also be lower. As every ringgit goes into repaying your loan relatively than repaying interest, you can count on to trim off years in your mortgage period!

Flexible options to allow you to rearrange life’s priorities anytime.

What you need at the moment might not be what you want tomorrow. For example, you may resolve that your major focus is paying off the home loan as rapidly as possible. But if you have a child on the best way, you may naturally need funds to prepare for it. Flexi home loan lets you withdraw any excess funds you have already made. Then once your finances have stabilized, you can go back to making extra funds again.

Pay extra own your home faster

Consolidate all of your deposits, including salary, financial savings and even your bonus into one flexi home loan account. Each Ringgit you at present keep in your flexi account, will work tougher for you, decreasing the quantity of interest charged and shortening your mortgage tenure. Since interest is calculated on a daily basis, the moment you deposit cash into your flexi account, the saving starts.

Withdraw the extra funds for different important things in life that simply cannot wait, without fees and notice.

Your  family should all the time come before something else. Whether or not its music lessons in your little one, a lot wanted holiday together with your spouse, or  a bigger automobile for the newborn, rest assured understanding that your excess payments are yours to use as you please. And you can simply entry your cash via ATM, cheque  book or online.

Now, the weakness for this product is many of the bank required customer to paid RM200 for one time account set up fees and RM10 monthly maintenance fees. Should you assume it can save your interest greater than the fees incurred, possibly full flexi home loan ought to be in your consideration.

If you are interested to know more about the products and banks that offer full flexi home loan.

Hurry…Please contact us now!