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Existing home loan interest rates, which one is yours? Less than 4.20% - Wow! You're holding the cheapest interest rates. Less than 4.39% - You have a more competitive home loan interest rate. Less than 4.70% - You have a more reasonable home loan interest rate. Less than 5.00% - Try to explore [...]
I'm not sure why talking about Will Writing can be an uncomfortable topic, but death does happen, and it can take a significant toll towards your loved ones. Honestly, It takes a long time for me executing a WILL. I know, it's essential, but it's just too many works, procrastinates kicks in, and everything [...]
When I was young, I want a big bungalow house. In the free time, I'd asked my father or my friends to drive me around an elite neighborhood with lots of beautiful and huge bungalow houses. I will admire the homes and their luxurious cars from outside. And fantasize living in the big house. [...]
There's one customer who was so skeptical to apply for a loan after being rejected multiple times. Totally understandable. Who likes to be rejected? The thing is if you have higher debts compare to your income, the chances are higher for the bank to turn you down. As long as you kept the [...]
PERNAHKAH anda dengar rakan-rakan anda berkata: “Aku sudah bayar hutang rumah lima tahun, tapi baki hutang macam tidak berkurangan,” atau mungkinkah anda juga merasai pengalaman yang sama? Saya pernah dulu menanggung hutang rumah sebanyak RM200,000. Setiap bulan saya bayar RM10,050. Tetapi selepas lima tahun saya bayar hutang rumah saya, baki hutang rumah masih lagi [...]
Question: If seller not appointing any property agent, as a buyer what is the best way to pay the deposit? Answer: Appoint lawyers to collect the deposit. It's better for buyer and seller to appoint their own lawyer, 2 different lawyers. To avoid any issue or conflict of interest and to protect buyer and [...]
MRTA vs MLTA 分别 MRTA MLTA 不辛事故发生（死亡或终身残废）， 保额是直接赔给银行。 不辛事故发生（死亡或终身残废）， 保额是可赔给指定受益人。 保额根据贷款而减少。 保额保持。 不能转移（再融资Refinancing 或第二间屋子） 可以转移（再融资Refinancing 或第二间屋子） 保费是一次过給的。一般是算在跟行貸款，但需要給利息。 保费可分期如年，半年，三个月或每个月。 没有现金价值（Cash Value), 半途断保, 可能拿回退保价值(Surrender Value), 视公司条款而定。 有现金价值（Cash Value) 。 可提早领取退保价值（Surrender Value) 来提早还清房屋贷款。 (有些MLTA的退款保价值是有保证的) 保障-借款人自然死亡/病逝和终身残废 *没包括36种疾病 保障-借款人自然死亡/病逝和终身残废， *可以追加36种疾病(相对的保费也会提高) 收益人- 银行 收益人-可以放家人当收益人 保费较低 保费较高 If you think this is helpful, feel free to share it [...]
Everything you need to know about Debt Service Ratio. Debt service ratio is used by a bank to calculate the eligibility of loan for a borrower. To be honest, debt service ratio by banks changed a lot since the last decade. And sometimes, it’s quite hard to keep up as different banks will have [...]
Hey, do you know what is your home loan Base Rate, Base Lending Rate or Base Financing Rate ? If you like me which always forgetful on this, you can check out our update here. Hope this help. LATEST BASE RATE AND BASE LENDING RATE FOR THE MAJOR BANKS IN MALAYSIA AS AT [...]
When I was a little girl, I used to stay in a landed house. We have a great and big compound to run around and it such a happy times. But, with a landed house comes with a high risk of a home break-in. We experienced twice and totally shaken with the whole experience. [...]
