WHY PAY MORE, WHEN YOU CAN PAY LESS?

When I first joined a bank in year 2002/2003, many banks are offering fixed rate for a whole tenure. Mostly under Islamic loan package Bai Bithamin Ajil (BBA) concept with around 7% and above fixed interest rate. So at that time, Malaysia just recovered from a recession in 1997/1998. People scared their interest rate will [...]

What Everybody Ought to Know About Developer, New Project, and Panel Bank

Before a developer launch a new project, a developer will look for a bunch of banks to finance their project. If a developer is well establishing, a bank will approach to provide financing to the potential buyer. Bank will evaluate the project, developer ( CTOS & CCRIS check on the directors) and market value of [...]

How Much You Need To Buy A House In Malaysia? ( For buying a completed house)

Firstly buying a home is a huge decision to make, so if you decided to move forward and own that house that you've been dreaming for years. Then, you have to get ready financially or get ready the money. Oh boy, let me tell you, buying a house in Malaysia will involve lots of money, [...]

Things You Need To Know About Developer and Master Title

Nowadays, owning and buying a house consider a privilege to anyone who capable of doing so. As property market become challenging ahead, you want to be diligent and meticulous, when buying a new home. Especially, buying directly from the developer or buying from estate agent or seller. Buying From Developer As property market become tight, [...]

By |2016-11-01T10:40:01+08:00October 26th, 2016|Home Loan Tips, Housing Loan, Latest Article/News|0 Comments

Budget 2017 : 5 Important Highlights For Housing Sector ( You don’t want to miss this! )

1. Build around 10,000 houses in urban areas for rental to eligible youths with permanent jobs, including young graduates entering labor market for a maximum period of 5 years. 2.The rate of stamp duty on property transfers worth more than RM1 million, will be increased from 3% to 4% but effective only [...]

By |2016-11-01T10:40:01+08:00October 25th, 2016|Latest Article/News, Malaysia Budget, Videos|0 Comments

Budget 2017: Everything You Need To Know About Incentives For Housing Sector

Budget 2017 went smoothly on 21st October 2016, Friday. The announcement made by our Prime Minister Datuk Seri Najib Razak at Parliament showed that Budget 2017 still very rakyat-friendly budget, which is good for most of us. There was a long list of incentives from Budget 2017, but today we're going to look at the [...]

By |2016-11-01T10:40:02+08:00October 23rd, 2016|Latest Article/News, Malaysia Budget|0 Comments

Do You Know – You Can Request Revised In Home Loan Interest Rates?

Remember that the interest rate on mortgages fluctuates. After a few years, you can always ask for a revised from your existing bank. Currently, it is about 4.30% to 4.50% p.a. Some house buyers who are not mindful of the current rate may be paying a mortgage interest rate of BLR + 0% or [...]

Fakta-Fakta Menarik Berkenaan Kebankrapan

1. Adakah terdapat amaun minimun yang terhutang oleh seseorang individu untuk menjadikannya bankrap? Ya, pihak pemiutang boleh memfailkan tindakan kebanarapn terhadap anda sekiranya keberhutangan lebih daripada RM30,000.00 2. Apakah kelayakan yang hilang bagi seorang bankrap? Apabila pengadilan/penghakiman dijatuhkan, bankrap adalah hilang kelayakan daripada: (a) Memegang jawatan sebagai Ahli Parlimen; (b) Memegang jawatan sebagai penjawat awam [...]

By |2016-11-01T10:40:02+08:00October 14th, 2016|Latest Article/News|0 Comments

Apa Yang Anda Boleh Buat, Apabila Pemaju Lambat Serah Kunci Rumah?

Bila membuat pembelian rumah, macam-macam yang dijanjikan oleh pemaju. Kadang-kadang tak semuanya yang benar. Bila bank pembeli lambat membuat disbursement, pemaju akan charge penalti lewat bayar. Tetapi, apabila terjadi pada pemaju, banyak yang buat tak tahu sahaja. Oleh itu, coretan yang dibuat oleh Tuan Salkukhairi ini agak manfaat dan berguna kepada kita semua. Saya [...]

Failing To Increase Savings When Income Rises

"Individual expenditure not only rises to meet income, but tends to surpass it, and probably always will.” According to writer C. Northcote Parkinson, who is famous for the so-called Parkinson's Law. A typical human behaviour is when an employee gets a raise, he decides that he can now afford a better lifestyle. He or [...]

By |2016-11-01T10:40:02+08:00October 12th, 2016|1st Time Home Buyer, Latest Article/News|0 Comments
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