Lowest Fixed Rate Housing Loan for Malaysia Properties Refinancing to receive cash out for other investments Flexible with loan repayments and early settlements Free Moving Costs

2. My Achievements
35 Years
with

4. Fixed Rate Housing Loan

5. 3 IN 1 coffee

6. AIA FIXED RATE 3 IN 1

7. Which is better…
Fixed Rate
BLR-based Loan?
Or

8. Azizi Ali
Millionaire Coach
Q Should I take
a fixed or BLR loan?

9. Azizi Ali
Millionaire Coach
‘Take a fixed interest rate
mortgage as no one knows what
the interest rate will be
in 5 years
let alone 35 years!’

10. fluctuating interest rates
BLR LOAN
No financial
Control
WorriesStress

11. HISTORICAL BLR
& AVERAGE LENDING RATES IN MALAYSIA
AVERAGE LENDING RATES
Over last 5 years = 5.82%
Over last 10 years = 6.11%
Over last 15 years = 7.34%
Over last 20 years = 7.85%
Over last 30 years = 8.69%
Source : BNM Website

12. ANALYSIS OF LENDING RATE
(source: Bank Negara Website)
12
Average BLR for 32 years : 7.88%
Average Lending Rate for 32 years : 8.83%
AIA HOMELOAN AT 4.85%
4
5
6
7
8
9
10
11
12
13
14
1980
1982
1984
1986
1988
1990
1992
1994
1996
1998
2000
2002
2004
2006
2008
2010
YEAR
AIA FIXED AT 4.85%
11.51
6.72
10.33
8.24
6.83
11.51
10.33
6.6
6.99
8.70
12.80
12.25
6.41
5.06

13. ANALYSIS OF LENDING RATE
(source: Bank Negara Website)
13
0
2
4
6
8
10
12
14
1984 1992 1998 2006 2013
BLR 12.8 10.51 11.51 6.72 6.6
AIA HOMELOAN 4.85 4.85 4.85 4.85 4.25
AIA FIXED
AT 4.85%

14. No Such Thing As
A “Fixed” BLR Package
Important Note:
1)Banks can change and
increase at its SOLE
DISCRETION…BLR, interest
margin/spread.
2)Borrowers can do NOTHING to
control this situation.
3)BLR can affect borrowers
financially as home loans are the
biggest liability
The Bank has the right to vary the
loan pricing i.e. the interest spread
and/or BLR..

15. IN THE NEWS
15
Article – Star Biz 24th March 2011
“..borrowers would also be
stressed-tested in the event
interest rates were to rise by 100
to 200 basis points from the time
the loan is applied..”
Meaning:
BORROWERS SHOULD BE
PREPARED IF THEY ARE ABLE
TO AFFORD A FURTHER RATE
HIKE OF 1% TO 2%.

16. Since 2010, the BLR has increased
4 times and gone up by a total
of 1.05%p.a
BLR has increased
From 5.55% to 6.6%

17. Interest Rate Instalment Interest Principal
BLR: 5.55%
BLR: 6.6%
IMPACT ON
RISING INTEREST BLR
17
RM500,000 loan
BLR 5.55% p.a. 30 years.
5.55%
6.6%
RM2,855
RM2,313
RM2,750
(+ RM 437)
RM 542
RM105
( - RM 437)

18. A 1% increase in BLR could increase
your loan instalment by 11%?
Your loan tenure could be extended by a
further 10 years if your
instalment remains the same ~ for a loan of
M500k & 30 years tenure.
IMPACT ON
RISING INTEREST BLR

19. AIA HOME LOAN SOLUTION
• Loan extension of 10 years
• Amount paid : 10 years x 12 x Rm2855
= RM342,600

20. Article from the Star paper 18-7-2013
By INTAN FARHANA ZAINUL | intanzainul@thestar.com.my
Standard Chartered Bank is maintaining its
forecast that Bank Negara will increase the
overnight borrowing rate to 3.25% in
November.
.
It said inflation was a secondary concern because
it is “rising slowly”.
IMPACT ON
RISING INTEREST BLR

21. AIA HOME LOAN SOLUTION
21
Real Capital Gains
Security
Fixed ratePeace of mind
Flexibility
Special “Zero
Moving Cost”
Affordability

22. Latest Packages
Package 1:
4.85%p.a. FIXED
The Lowest Long Term Fixed Rate In The
Market
Package 2:
5.25%p.a. FIXED
With Zero Moving Cost Features
Package 3:
4.25%p.a (2 years), 4.99% (Thereafter)
Lower Rates + Peace of Mind

23. Latest Packages
No early termination fee if settlement the loan
is via sale of property and own savings
for all 3 packages

24. RECOMMENDATION
24
HOW TO COME OUT A WINNER?
1) NEVER BE EXPOSED TO THAT CAN
HURT YOU FINANCIALLY
2) ALWAYS BE IN CONTROL – HEDGE
YOUR INVESTMENT COSTS
3) PEACE OF MIND HELPS YOU TO
SLEEP SOUNDLY AT NIGHT!

25. Why Me? My Credentials
• I am a certified and registered financial
planner
• I am a premier life planner
• I am an MDRT qualifier
• I pride myself as an award winning agency
• I have a 35 years experience in customer
support service and agency management
• My son had already come on board as my
business partner

26. Referrals
• Executives and Managers
• S & P Lawyers
• Real estate agents
• Developers