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Guide to Property and Home Loan Malaysia
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Guide to Property and Home Loan Malaysia


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This guide explains the various methods of Property buying, real estate planning, how to attain the best home loans in Malaysia and provides information regarding property and home loan acquisition in …

This guide explains the various methods of Property buying, real estate planning, how to attain the best home loans in Malaysia and provides information regarding property and home loan acquisition in Malaysia

Published in: Economy & Finance, Business

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  • 1. Fiscal Wise Sdn Bhd Powered by MHL
  • 2.
    • MaxiHome-i Home financing under Variable Rate Financing – Islamic Policies apply
    • Home Financing-i Fixed Rate Financing, Islamic Policies apply
    • MaxiHome Access to growing equity, higher loan margin
    • Home Financing-I Fixed rate financing with Islamic policies
    • HomeFlexi Uses your savings to reduce outstanding home loan principal
    • HomeLoan Fixed monthly repayments throughout loan term
    • HomeXtra Apply for higher loan amount for appreciated properties
    • HomeLoan Foreigner Home loan financing for foreigners/expatriates
    • MM2H Malaysia My 2 nd Home programme
  • 3.
    • The next few slides will teach you how to be home loan smart .
    • Powered by MHL
  • 4.
    • Assess Debt Service Ratio (DSR) first.
    • Assess current networth .
    • Understand how to shop for home loans .
    • Use home loan calculator to find right home loan package for yourself.
    • Set financial goals .
    • Do proper financial management .
    • Consult UNBIASED home loan consultants .
  • 5.
    • Home Insurances
    • Ease of Repayments
    • Guarantors for home loans
    • Conventional vs Islamic Financing
    • Margin of Financing
    • Loan Tenure
    • Daily Rests vs Monthly Rests
    • Graduated Payment Schemes
    • Prepayment of Outstanding Loan
    Criterions: Basis for Comparison Make these comparisons of home loans before moving on to the next step!
  • 6.
    • How long to process my loan?
    • How much can I borrow?
    • Do I need to appoint a lawyer?
    • Do I need a guarantor?
    • What are the common fees & charges? Alternatively, you can check here .
    • What conditions for penalty fees and how much?
    • Can I purchase a house under joint names?
    • What if the developer abandons the project?
    • Any waivers for early loan settlement?
    • Should I refinance to lower my interest rate? You can also check this here .
    Call professional Home Loan Consultants NOW!
  • 7.
    • Have you finished gathered your data? Think you’re ready to buy a house already? No, you’re not done YET.
  • 8.
    • Does the developer has license and is valid?
    • What type of house to buy?
    • Freehold or Leasehold status?
    • First 10% payment is during S&P (Sales and Purchase Agreement)
    • Does the architect has certification and license?
    • What are the interest on late payment?
    • Termination of S&P?
    • Maintenance and Management fees?
    • Vacant Possession and OC?
    • Defect Liability Period?
    • Read more here..
    • Assess market and know current property buy/sell trends.
    • Attend Property Expos like iProperty Expo.
    • Analyze real estate trends in your area (New developments, etc)
    • Consider Malaysia Economics and when to sell your property.
    • Plan your real estate strategies.
    • Know who’s selling what and when, how much and who.
    • Consult property experts .
    • Read more here…
  • 9.
    • Consider reading a little bit more about your Malaysia home loan and property so that you can will not make mistakes while shopping.
  • 10.
    • Malaysia BLR Rates 2008 (Base Lending Rate)
    • Mortgage Refinancing – Beneficial or not?
    • 4 reasons why you SHOULD NOT refinance .
    • Can I refinance my home loan at a new interest rate ?
    • Guide to Investing WISE-ly .
    • Managing your personal finance WISE-ly .
    • Islamic practices of Debt Management .
  • 11.
    • Malaysia Home Loan Frauds .
    • Mortgage Reducing Term Assurance (MRTA)
    • Malaysia Home Equity Loans .
    • What is life insurance ?
    • How to make a banking complain ?
    • Properties and EPF – How-to
    • How to choose the right financial institution ?
    • Using Malaysia home loan search engine .
  • 12. Fiscal-Wise SDN BHD Powered by MHL If you like our slides, please share them with your friends.