David Yap

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About David Yap

David Yap is the co-founder of Malaysia Housing Loan. He has wide experience in mortgage and financial industry.

Beli Rumah Atau Sewa Rumah? 2022

Beli Rumah Atau Sewa Rumah? Sejak akhir-akhir ini begitu banyak perdebatan mengenai pembelian rumah dan harga rumah. Memang semua sudah tahu bahawa harga rumah sekarang agak mahal dan mungkin tidak mampu untuk dimiliki oleh sesetengah orang. Walaupun harga rumah agak tinggi dan bayaran bulanan rumah agak membebankan, kita tetap perlukan sebuah rumah. Andai kata [...]

Stamp Duty & Legal Fees For Purchasing A House 2022

The schedule below as a reference of stamp duty and legal fees when purchasing a house. Sale And Purchase Agreement Legal Fees 2022 Professional Legal Fees: For The First RM500,000.00 - 1.0% (Subject to a minimum fee of RM500.00) For The Next RM500,000.00 - 0.80% For The Next RM2,000,000.00 - 0.70% For The Next [...]

Do you think you can survive increase of cost of living? 2022

Hey guys, It’s been a while since i been talking to you guys. And I feel like I should do some post here to update on recent property market woes and what happening recently. As you know, bank Negara still maintain OPR (Over Night Policy rate), its mean our BLR still remain the same. [...]

By |2021-12-26T13:56:28+08:00June 27th, 2021|Housing Loan, Latest Article/News, Refinancing|0 Comments

Other Refinancing Fees To Highlight 2022

1) Penalty Fees or Any Processing Fees Imposed By Existing Bank Before proceed for refinancing, we always advice our customer to check for penalty charges and any processing fees imposed by existing bank. Whether is your loan still within bonding period? If it’s still bonding period, customer should make decision whether to proceed or [...]

Refinancing Your Mortgage 2022

Your How to Guide to Refinancing your Mortgage 2020 1.REVIEW YOUR REFINANCING OPTIONS You may want to add that new kitchen you’ve been dreaming about, take a special vacation or even take care of your outstanding debt. To help you get there, you may want to refinance your house. Anyway, with the property price gone [...]

By |2021-12-26T13:59:22+08:00February 8th, 2021|Latest Article/News, Refinancing|0 Comments

How do I know if I can get a housing loan? 2022

To get an approval from bank, you first must understand the bank’s standard approval criteria. Generally, bank will look at following criteria.   1) Borrower employment background Bank will prefer if customer working in Multi National Company (MNC) and working for more than 2 years. It’s show stability in employment and income. However, it [...]

Tips For Home Loan Refinancing 2022

Tips For Home Loan Refinancing So, you're wondering if refinancing your home loan is right for you. While, the principles behind refinancing are simple, the usual motivation is to get a better deal in terms of interest-rate fees and overall experience. Perhaps you're looking for more affordable repayment to pay your loan of sooner. [...]

By |2021-12-26T13:56:40+08:00January 11th, 2021|Housing Loan, Latest Article/News, Refinancing|0 Comments

Why Do I Need Refinancing? 2022

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 [...]

By |2021-12-26T13:58:36+08:00January 7th, 2021|Home Loan Tips, Latest Article/News, Refinancing|0 Comments

5 Cara Bijak Untuk Refinance Rumah 2022

Refinance Rumah 2022 Sekiranya anda membuat pertimbangkan untuk Refinance Rumah bagi mendapatkan duit tambahan bagi menyelesaikan pinjaman peribadi, kredit kad, pengubahansuaian rumah atau untuk bantuan perubatan dan sebagainya. Bacalah Artikel "5 cara bijak untuk refinance rumah 2022." Mungkin ramai yang ingin refinance rumah tetapi tidak tahu di mana ingin dimulakan. Usah [...]

By |2021-12-26T13:58:21+08:00January 6th, 2021|Home Loan Tips, Latest Project|0 Comments

Refinance Rumah 2022

Refinance Rumah 2021 Hi, Apa khabar semua? Harapp semua dalam keadaan yang sangat sihat! Ok, ini kali pertama Melissa menulis dalam Bahasa Melayu. Kali terakhir menulis masa zaman sekolah-sekolah dulu. Boleh kira bagus jugak masa tu… Tapi sekarang banyak dah bagi balik cikgu. Kami sedar sekarang kena tulis dalam Dwi Bahasa. Sebab nak rakan-rakan diluar [...]

By |2021-12-26T13:56:00+08:00January 1st, 2021|Housing Loan, Latest Article/News, Refinancing|0 Comments
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