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Malaysia Housing Loan 2017-08-21T18:18:33+00:00

Malaysia Housing Loan

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Buying Completed Property

  • Advice How To Fund Your Deposit
  • Do & Don’t Purchasing A House
  • Negotiate Better Deals With Seller
  • Free Verbal Valuation Indication
  • Provide Comprehensive Home Loan Advice
  • Compile Approve Bank Offers
  • Negotiate Best Interest Rates
  • Evaluate Pro and Cons Bank’s Offer
  • Answer All Questions & Enquiries

Refinancing

  • Provide Borrower Eligibility Assessment
  • Advice How To Do Refinancing
  • We Help Evaluate Your Refinancing Purpose
  • Provide Borrower Eligibility Assessment
  • Free Verbal Valuation Indication
  • Provide Comprehensive Home Loan Advice
  • Compile Approved Bank Offers
  • Negotiate Best Interest Rate
  • Evaluate Pro and Cons Bank’s Offer
  • Answer All Questions & Enquiries

Buying From Developer

  • Provide Borrower Eligibility Assessment
  • Advice How To Fund Your Deposit
  • Do & Don’t Purchasing A House
  • Tips To Deals With Developer
  • Provide Home Loan Comprehensive Advice
  • Compile Approved Bank Offers
  • Negotiate Best Interest Rates
  • Evaluate Pro and Cons Bank’s Offer
  • Answer All Questions & Enquiries

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“I Would like to thank you so much for all your consulting and advice that you provided when I decided to refinance my home loan. I was so lucky to find you guys online, and your prompt response to my calls and questions were very satisfactory.”
Pamela, Senior Officer – Bank Negara Malaysia
“Extremely helpful and im very happy with the service. Highly recommended for to all future home buyers.”
Zeara, Executive-Petronas
“Just spoke to David Yap, and I must say his knowledge on housing loans were very very impressive. He gave me alternatives solutions for housing loan approval and solve my problem. Thanks For your prompt response, David.”
Raminder Singh, SubEditor-Malay Mail
“Prompt respond within 24 hours or maybe less in my case. Great advice and friendly…Thank You!”
Emir Ramli, Tax Analyst-IBM Malaysia
“Dear David,Thank you so much for your advice. No one I spoke to could clearly explain on the process and the possible costs I will incur. You have helped me understand the process and given me great tips when I negotiate my deals. Thank you so much! You are so kind and helpful and I truly appreciate your time and energy! And to think! It’s at no cost to me at all! Where else can you get free advice?? Thank you so much David! You are a life saver..”
Ravin, Executive-Petronas
“Very good explanation & informative , I will do as advice, thank you.”
Fazieana, Executive-Magna Prima Berhad
“David was so patient in answering my queries. His explanation reflected his experience. He sounded honest in wanting to make my dream of owning my 1st home a reality.”
Yugeshwaran Shanmugam, Global Support Executive-HSBC Data Processing Malaysia
And Many More…

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Budget 2018 ( Bajet 2018 ) – Rehda Proposal

October 16th, 2017|Comments Off on Budget 2018 ( Bajet 2018 ) – Rehda Proposal

The federal spending plan for 2018 or Malaysia Budget 2018 will be tabled in Parliament on October 27, said Datuk Seri Najib Razak today. The prime minister and finance minister also said the government will hold sessions to gather views and feedback from various stakeholders in drafting Budget 2018. Recently, The Real Estate and Housing Developers’ Association (Rehda) hopes the government will seriously consider three key areas, namely financing, [...]

The battle between CONDOMINIUM VS DOUBLE STOREY HOUSE

October 2nd, 2017|Comments Off on The battle between CONDOMINIUM VS DOUBLE STOREY HOUSE

Condominium Pro:- 1. Normally, the price is cheaper. 2. When starting a family, more manageable house and cost. 3. Smaller space, easy to maintain. 4. Better investment and cash flow. 5. Re-sell price is lower compared to double storey house. 6. Multi-tier security. Feel more secure. 7. Beautiful landscape and multiple facilities, e.g swimming pool, multipurpose hall, gym, playground and etc. 8. Better rental value than a double storey [...]

Borrow RM733,500 and Pay RM3,165,108.84!! (4x times more from original loan)

September 18th, 2017|Comments Off on Borrow RM733,500 and Pay RM3,165,108.84!! (4x times more from original loan)

Borrow RM733,500 and Pay RM3,165,108.84!! (4x times more from original loan) 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 Instalment : RM2736 For [...]

Tips For Appointing SPA Lawyer – Mistakes You’ll Never Make Again

August 21st, 2017|Comments Off on Tips For Appointing SPA Lawyer – Mistakes You’ll Never Make Again

When purchasing a house in Malaysia, purchaser requires appointing a Sale & Purchase (SPA) Lawyer to represent them. A good SPA lawyer is crucial in this situation because the moment you start buying a house, and if you're not careful, you might fall into a deep hole that orchestrates by the property agent, seller, and their lawyers. The most common things will be convincing the purchaser to use seller [...]

We’re Featured On Sin Chew Daily 星洲网Sin Chew Daily – Sinchew.com.my

August 9th, 2017|Comments Off on We’re Featured On Sin Chew Daily 星洲网Sin Chew Daily – Sinchew.com.my

发展商名誉影响贷款 房贷网 站  malaysiahousingloan.net菅理员兼MHL咨询公司房屋贷款顾问 叶佳强及李素慧认同个人信贷的重要性, 同时, 也点出了另一些看似无关紧要, 却会影响房贷申请的原因。 李素慧耐心地解释,银行对于发展商的名誉甚是在意,因此如果一家发展商拥有不良记录,如搁置房产发展,对于购屋者的申请也会较注意。 只有总地契银行不批贷 “另外,一些已经完成建设的房子, 如果尚未获得独立地契 ( lndividual Title) , 仅有总地契 (Master Title) , 据我们的经验, 有80%的银行是不愿冒险接受, 除非该家发展商信誉良好。“因为没有地契在手, 对于银行而言, 就是没有任何保障。" 叶佳强也指出, 如果工作地点与购买房产的地点不在相同白勺地方, 申请借贷时, 也可能会面对困难。 “举例来说, 一个人来自芙蓉, 在新加坡工作, 但是, 想在吉隆坡买房子, 那银行就会询问为何在吉隆坡置产, 因为银行不晓得他们的资金从哪里来, 担心会冒太大的风睑。" 房产类型成考皇因索 叶佳强也坦言,一些房产类型也是银行考量借贷的因素之一, 如果房产属于办公家居单位 (SOHO) , 而附近却有许多空置的店屋, 同样会影响银行房贷。其实, 银行也是盈利机构, 如果想深一层, 银行打开门做生意, 在放贷之前, 最先考虑的是什么? 没错,当然是借贷者是否有能力还贷, 在了解之后, 并不难理解, 为何某些银行会对于文件及资格审批较严厉,主要还是不希望借出去的钱收不回来,毕竟,银行还是希望能够获得保障。 结语: 如今知道房贷被拒的原因, 在申请房贷前, 不妨多花时间做笔记,以免高高兴兴的申请, 却败兴而回,到时,想要再度申请,又必须再花时间,重新进行相关的申请程序。 For Full Article: http://www.sinchew.com.my/node/1670586   For more information about [...]

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