HOW MUCH DEPOSIT DO I NEED FOR A HOUSE?

Are you looking to buy a house in the coming months? You’ll need to prepare the deposit for a house. Let’s look at how much you’ll need. A deposit is an amount of money you pay upfronts towards the total cost whilst your bank loan covers the rest. The more money you save for [...]

HOW TO REMOVE JOINT OWNER NAME FROM PROPERTY?

If you need to remove joint owner name in a property and have no idea how to do it, then this article is for you. We also share a few tips on how to save money when doing the property transfer. Check out the article here. Ever been asked the same thing repeatedly? This [...]

KENAPA REFINANCE RUMAH BANK RAKYAT MENJADI PILIHAN?

Di Malaysia kita mempunyai lebih kurang 20 buah bank untuk membuat pinjaman perumahan. Dan salah satu pinjaman perumahan yang popular ialah refinance rumah. Hari ini kita nak bercakap sedikit tentang refinance rumah dengan Bank Rakyat. Ada sesetengah orang memang suka Bank Rakyat sebab kelulusan yang agak fleksible berbanding bank lain. DEBT CONSOLIDATION LOAN Selain [...]

Can you guarantee to get a stamp duty exemption for first-time house buyer?

Today, someone asked Can you guarantee to get a stamp duty exemption for first-time house buyer? We said, "Nope, we can't guarantee it." And he goes on and on about, someone can guarantee it. Now, maybe he doesn't understand the process of getting the stamp duty exemption. It is not up to the lawyer, [...]

Stamp duty should be calculated from purchase price or market price?

Hi Melissa, I bought an apartment in year 1998 directly from the developer. Recently, I received a letter from liquidator requesting me to assign my own lawyer for POT. Stamp duty should be calculated from purchase price or market price? Some lawyer quote me from purchase price, some by market price! Answer : [...]

What Is The Difference Between Remortgage And Refinance?

Question: Hi, I have a house. The house is fully paid for. Now, I want to get financing for the home. What is the cost that I need to pay? And what is remortgage vs refinance? Answer: A remortgage is when your house has fully paid up, and now you want to get new [...]

The difference between CCRIS & CTOS?

The difference between CCRIS and CTOS report is the information provided by both reports. CCRIS report has limited information provided and limited to all the loans provided by the banks in Malaysia. The CTOS report has a more comprehensive range of information that includes all the information in CCRIS, some other telecommunication companies, water [...]

WHICH BANK HOME LOAN IS BEST?

We all want to get the best Home Loan package. And it can be done through a simple understanding of own desires. I love the topic of Home Loan, but let's be honest, it gets overwhelming sometimes. Articles tell us to choose based on interest rates; the lowest the interest rate, the better it [...]

Can I transfer half of the house to my spouse and get 100% exempted?

Question: Can I transfer half of the house to my spouse & get 100% exempted? Hi, I just bought a property under my name. The loan is under me as well. My agent tells me I can't add my girlfriend's name as we aren't married, and I applied for the loan on my own. [...]

Can I Transfer My Property To My Wife?

Question: Can I Transfer My Property To My Wife? Hi, I need to know what else I should do/procedure—currently, house under joint name between my wife and me. I want to transfer my 50% to my wife, and I believe stamp duty is exempted under transfer of love in the property. What else I [...]

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