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About Melissa Lee

Thank you for checking out the article. We provide FREE online consultation to all our visitors. Suppose you need our help on topics like REFINANCING, BUYING A HOUSE, PROPERTY TRANSFER, MORTGAGE INSURANCE, LAWYER FEES, STAMP DUTY, Sale and Purchase Agreement (SPA), Memorandum of Transfer (MOT), Perfection of Transfer (POT), Perfection Of Charge (POC), and Loan quotations. In that case, we can help you with that. Just let us know by calling or WhatsApp us at +6012-6946746. ( talk to Mr. David) Your Friendly Online Mortgage Consultant, Melissa Lee.

Can you take a loan if you have an AKPK record?

Recently, someone asked us about AKPK. Can they apply for a loan if they have AKPK? First of all, if you don't know what AKPK is. AKPK stand for Agensi Kaunselling dan Pengurusan Kredit (AKPK) or the Credit Counselling and Debt Management Agency. AKPK is set up by Bank Negara Malaysia (BNM) or our [...]

By |2022-06-18T16:13:36+08:00June 18th, 2022|Home Loan Tips, Latest Article/News|0 Comments

Boleh ke kita “tumpang” peguam dalam SPA?

Suatu hari, ada seorang customer bertanya. “Boleh ke kita "tumpang" peguam dalam SPA?” Jawapan mudah.  Boleh. Seorang penjual dan pembeli boleh menggunakan peguam yang sama. Tetapi tidak digalakkan untuk menjaga hak dan kepentingan masing-masing. Selalunya dalam transaksi jual beli rumah, pembeli harus mempunyai peguam sendiri. Ini mengelakkan dari tertipu oleh penjual ataupun mana-mana pihak [...]

What happens when OPR increases? The real impact on us.

I believe in continuously monitoring the country's interest rates, and sometimes I will monitor US interest rates.  As we all know, the US interest rate will affect the world that includes us, including Malaysia. So, whatever happens there, it will eventually impact here too. In my 20s, I don't care about interest rates, maybe [...]

Standard Chartered Zero Moving Cost 2022

Zero Moving Cost 2022 I find Standard Chartered Zero Moving Cost Home loan is one of the most competitive home loan packages in the market right now. In my previous article, I wrote about Zero Moving Cost Home Loan Malaysia - Is this a better choice?. In the article, I shared about two most [...]

Zero Moving Cost Home Loan Malaysia 2022 – Is this a better choice?

Zero Moving Cost Home Loan Malaysia 2022 is a home loan package where the bank absorbs all the moving costs. The moving cost included legal fees, stamp duty, disbursement fees, and valuation fees. Zero Moving Cost Home Loan Malaysia is one of the available home loan packages, other than the Finance Entry Cost and [...]

Pembiayaan Semula Rumah Atau Refinance Rumah 2022

Mohon Sekarang! Pembiayaan Semula Rumah Atau Refinance Rumah Refinance sekarang dapat lebihan tunai, turunkan interest atau tukar ke perbankan Islam. Untuk maklumat lanjut, call/ Whatsapp ke +6012-6946746 atau lawati laman web #malaysiahousingloan #housingloan #MalaysiaHomeLoan #homeloaninmalaysia #homeloan #housingloaninmalaysia

By |2022-05-16T13:20:09+08:00May 15th, 2022|CAMPAIGN, Housing Loan, Latest Article/News|0 Comments


Someone shared this on social media.  Harga sebuah KEMALASAN. Foodpanda: RM93.10 Pergi Kedai : RM58.00 Harga kemalasan RM35.10 untuk drive 2km je.  I found this fascinating topic because there are two ways or more to look at it. One is obvious.  Instead of using Foodpanda to buy the food, you can directly go to [...]

By |2022-05-13T13:51:49+08:00May 13th, 2022|Latest Article/News, Personal Finance|0 Comments

BNM Increases the OPR from a record low of 1.75% to 2.00%

How will it impact your home loan? Read this article to understand more. On May 11th 2022, Bank Negara Malaysia (BNM) increased the overnight policy rate by 25 basis points to 2% from a record low of 1.75% as global inflationary pressures have risen sharply. The OPR at 1.75% is the lowest on record, [...]

By |2022-05-12T16:45:51+08:00May 12th, 2022|Interest rates update, Latest Article/News|0 Comments


Welcome back to another article about refinancing a home loan. This week, we will talk about Things You Need To Know Before Doing Refinance Home Loan in 2022. Typically, people doing refinance to settle their debts and get some cash out from it. But, before you go ahead with a refinance home loan, we [...]

By |2021-12-26T14:20:49+08:00December 20th, 2021|Latest Article/News, Refinancing|0 Comments

Is Now A Good Time To Refinance Your Home? 2022

Most of the time, people refinance their homes when they need to settle their debts, business capital, house renovation, children's education, and many more reasons. And one of the questions people always ask- Is now a good time to Refinance Your Home? Well. It's totally subjective. Before you make any move to refinance your [...]

By |2021-12-26T14:19:30+08:00December 8th, 2021|Latest Article/News, Refinancing|0 Comments
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