David Yap

About David Yap

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

OPR & BLR Increase 10th July 2014

Bank Negara Malaysia (BNM) have increased the overnight policy rate (OPR) at 3.25% from 3.0% in the monetary policy committee (MPC). This OPR hike may translate to an increase in the pricing of loans for consumers. Banks had started to announce their increase in Base Lending Rate (BLR). Public Bank are one of the banks [...]

By |2016-11-01T10:40:12+08:00July 12th, 2014|Frequent Ask Questions, Housing Loan, Latest Article/News|Comments Off on OPR & BLR Increase 10th July 2014

OPR & BLR Increase 10th July 2014

Bank Negara Malaysia (BNM) have increased the overnight policy rate (OPR) at 3.25% from 3.0% in the monetary policy committee (MPC). This OPR hike may translate to an increase in the pricing of loans for consumers. Banks had started to announce their increase in Base Lending Rate (BLR). Public Bank are one of the banks [...]

By |2016-11-01T10:40:12+08:00July 10th, 2014|Base Lending Rates (BLR), Latest Article/News|Comments Off on OPR & BLR Increase 10th July 2014

5 Reasons Why You Should Consider Buying A House Now

Too many people get stuck waiting for market trends to improve and subsequently pass up potentially fantastic real estate deals. The trick is educating and training yourself on how to spot good deals, and then acting on these deals as soon as the opportunity arises. If you find a piece of prime real estate and [...]

By |2020-08-23T12:15:42+08:00July 8th, 2014|1st Time Home Buyer, Latest Article/News|Comments Off on 5 Reasons Why You Should Consider Buying A House Now

Change from Base Lending Rate (BLR) to Base Rate

Home Loan News Bank Negara Malaysia (BNM) has recently announced that the Base Lending Rate (BLR), which is the primary reference point rate for new retail floating rate loans such as home loans, will likely be replaced by a new Base Rate effective 2 January 2015. The nation are going to have its new reference [...]

By |2020-08-23T12:16:16+08:00April 20th, 2014|Housing Loan, Latest Article/News|Comments Off on Change from Base Lending Rate (BLR) to Base Rate

Keep it simple, Bank Negara tells insurance firms

Insurance News: To protect consumers, Bank Negara would like the insurance industry to help with making their own policies simpler for the public to comprehend. The regulatory body has released product or service transparency and disclosure guidelines to insurance companies, emphasizing the significance of using “plain and intelligible language” when it comes to policy documents. [...]

By |2020-08-23T12:16:42+08:00April 20th, 2014|Latest Article/News|Comments Off on Keep it simple, Bank Negara tells insurance firms

How much can I borrow?

How much can I borrow? This is the most important question to ask before purchasing any house. There is no point of buying a house and your loan is not approve right? The simple way to go about it, is by us helping you to calculate. Just go to our contact us page and fill [...]

By |2016-11-01T10:40:13+08:00February 5th, 2014|1st Time Home Buyer, Frequent Ask Questions, Housing Loan, Latest Article/News|Comments Off on How much can I borrow?

Base Lending Rate ( BLR) Expected To Increase Next Year

Bank Negara Malaysia ( BNM ) in the last meeting had agreed to maintain the current interest rates. However, did raised a concern over the increase of inflation for next couple of months. Due to government cut back on subsidies for 2 most important product Petrol and Sugar. As we know, Petrol RON 95 had [...]

By |2016-11-01T10:40:13+08:00November 9th, 2013|Base Lending Rates (BLR), Housing Loan, Latest Article/News|Comments Off on Base Lending Rate ( BLR) Expected To Increase Next Year

Buy House Now or Wait?

Purchasing a house is an ongoing argument battle whether right or wrong. Should I buy a house now? Or should I wait? People said, with property price in Kuala Lumpur increase tremendously, for an average salary earner who works for 20 years without spending his salary for food or other items can’t afford to buy [...]

By |2016-11-01T10:40:13+08:00November 9th, 2013|Latest Article/News, Purchase From Agent/Owner, Purchase From Developer|Comments Off on Buy House Now or Wait?
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