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Most or average Malaysian will usually need to source their deposit to buy a house. Following are the sources list : 1) Own saving from tabung haji, Amanh Saham, Fixed Deposit, Bonds and more. 2) Kumpulan Wang Simpanan Perkerja (KWSP) 3) Personal Loan ( not a wise choice since the personal loan interest rates is [...]
Acceptance Letter A letter from the applicant indicating his willingness to accept the loan after the loan is approved by the banking institution. Application Form A form used to apply for loan. Appraisal/valuation report A written analysis of the estimated value of real estate prepared by a licensed Valuer/Appraiser. Base Lending Rate (BLR) A minimum [...]
For many, a mortgage – which is simply paid every month and then forgotten about – is their largest financial commitment. Consumers have the option to choose either the fixed or floating rate mortgage. In the constantly-evolving finance market, it is always important to understand the potential future consequences of decisions made today. This way, [...]
1. Mortgage consultant specialize in home loans and are commission based, so it’s in their best interest to get you the best deal possible, or they don’t get paid. 2. They have an exceptionally large network of panel banks and financial institutions that they work with to get you the most favorable home loan interest [...]
Under Employment 1. NRIC copy 2. Property Booking Receipt 3. Vendor Sales and Purchase Agreement / Title copy / New Sales and Purchase Agreement 4. Latest 3 months pay slips (For Basic Salary) / Latest 6 months pay slips (For Basic + Commission Earner) 5. Latest 3 months personal bank statement (For Basic Salary) / [...]
Employment 1. NRIC copy or Passport 2. Working Permit (if any) 3. Property Booking Receipt 4. Sales and Purchase Agreement / Title copy 5. Latest 6 months Housing Loan Statement.( Only applicable for refinancing) 6. Letter Offer from previous bank .( Only applicable for refinancing) 7. Deposit Statement e.g. Fixed Deposit, ASB or Bonds 8. [...]
Employment 1. NRIC copy or Passport 2. Working Permit (if any) 3. Property Booking Receipt 4. Sales and Purchase Agreement / Title copy 5. Latest 6 months Housing Loan Statement.( Only applicable for refinancing) 6. Letter Offer from previous bank.( Only applicable for refinancing) 7. Deposit Statement e.g. Fixed Deposit, ASB or Bonds 8. Latest [...]
Buying from agent : Agent will normally show you all the property within your criteria. From budget, property type, location and property size.They will help you narrow down your option and to negotiate better price with the owner.The process will be faster when you deal with agent since they have few properties in hand for [...]
Introduction Buying a house is an exciting event. It will probably be the biggest purchase you will ever make in your life. Understanding the steps involved in securing a housing loan will help you save time and avoid uncertainty and anxiety. Buying a House Buying a house is a major step, so it deserves careful [...]
Need Your First Home Loan? Buying your first home is exciting and a little scary at the same time. Not only are you faced with the challenge of finding the right property to become your first home, but you also need to know you're getting the right first home loan. How Much Can I Borrow? [...]
