Guide To Malaysia Home Loan

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Malaysia Home Loan guides users and first time property buyers and housing loan acquisition through it's short, extensive slideshow.

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  • Get a loan from a legitimate and trustworthy company today, we give out. *Real Estate/Mortgage Loans *Home Improvement Loans *Automobile/Medical/Student Loans *Debt Consolidation Loans *Business Loans/Personal Loans. Contact us today to get a loan from us: (reliableinvestor829@gmail.com)
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  • I am Laura Terry from LA here in US, if you need a loan I advise you to contact Abu Abdullah Loan Firm cos I just got a loan from them a while ago without credit check and low interest rate of 4% without cosigner, you can contact them with this and I am sure they still help you here is the email abuabdullahloanfirm@yahoo.com
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  • I am Sahed Mohammed from Kuala Lumpur here in Malaysia, if you need a loan then contact Henry Melvin Global Loan Firm cos I just got a loan from them a while ago without credit check and low interest rate of 4%, You can reach them with this email henrymelvingloballoanfirm@gmail.com
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  • I am Sahed Mohammed from Kuala Lumpur here in Malaysia, if you need a loan then contact Henry Melvin Global Loan Firm cos I just got a loan from them a while ago without credit check and low interest rate of 4%, You can reach them with this email henrymelvingloballoanfirm@gmail.com
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    Your message goes here
  • I am Aisha Mohammed from Kuala Lumpur here in Malaysia, if you need a loan I advise you to contact Abu Abdullah Loan Firm cos I just receive a loan from them now without credit check and low interest rate of 4% without any cosigner, you can reach them with this email abuabdullahloanfirm@yahoo.com
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    Your message goes here
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Guide To Malaysia Home Loan

  1. 1. WISE Guide to Malaysia’s Property&HomeLoan<br />Powered by ML<br />
  2. 2. Common Home Loans<br />MAYBANK<br />CIMB BANK<br />MaxiHome-iHome financing under Variable Rate Financing – Islamic Policies apply<br />Home Financing-iFixed Rate Financing, Islamic Policies apply<br />MaxiHomeAccess to growing equity, higher loan margin<br />Home Financing-IFixed rate financing with Islamic policies<br />HomeFlexiUses your savings to reduce outstanding home loan principal<br />HomeLoanFixed monthly repayments throughout loan term<br />HomeXtraApply for higher loan amount for appreciated properties<br />HomeLoan ForeignerHome loan financing for foreigners/expatriates<br />MM2HMalaysia My 2nd Home programme<br />
  3. 3. Are you HOME LOAN smart?<br />The next few slides will teach you how to be home loan smart.<br />Powered by ML<br />
  4. 4. Before getting a home loan<br />Assess Debt Service Ratio (DSR)first.<br />Assess current networth.<br />Understand how to shop for home loans.<br />Use home loan calculator to find right home loan package for yourself.<br />Set financial goals.<br />Do proper financial management.<br />Consult UNBIASEDhome loan consultants.<br />
  5. 5. Home Loan Criterions<br />Home Insurances<br />Ease of Repayments<br />Guarantors for home loans<br />Conventional vs Islamic Financing<br />Margin of Financing<br />Loan Tenure<br />Daily Rests vs Monthly Rests<br />Graduated Payment Schemes<br />Prepayment of Outstanding Loan<br />Criterions: Basis for Comparison<br />Make these comparisons of home loans before moving on to the next step!<br />
  6. 6. What to ask the home loan consultant<br />How long to process my loan?<br />How much can I borrow?<br />Do I need to appoint a lawyer?<br />Do I need a guarantor?<br />What are the common fees & charges?Alternatively, you can check here.<br />What conditions for penalty fees and how much?<br />Can I purchase a house under joint names?<br />What if the developer abandons the project?<br />Any waivers for early loan settlement?<br />Should I refinance to lower my interest rate?You can also check this here.<br />Call professional<br />Home Loan ConsultantsNOW!<br />
  7. 7. Ready for a Malaysia HOME LOAN?<br />Have you finished gathered your data? Think you’re ready to buy a house already? No, you’re not done YET.<br />
  8. 8. Malaysia Property Insight & Guide<br />WHEN YOU WANT TO BUY<br />WHEN YOU WANT TO SELL<br />Does the developer has license and is valid?<br />What type of house to buy?<br />Freehold or Leasehold status?<br />First 10% payment is during S&P (Sales and Purchase Agreement)<br />Does the architect has certification and license?<br />What are the interest on late payment?<br />Termination of S&P?<br />Maintenance and Management fees?<br />Vacant Possession and OC?<br />Defect Liability Period?<br />Read more here..<br />Assess market and know current property buy/sell trends.<br />Attend Property Expos like iProperty Expo.<br />Analyze real estate trends in your area (New developments, etc)<br />Consider Malaysia Economics and when to sell your property.<br />Plan your real estate strategies.<br />Know who’s selling what and when, how much and who.<br />Consult property experts.<br />Read more here…<br />
  9. 9. MoreHome Loan Guides<br />Consider reading a little bit more about your Malaysia home loanand propertyso that you can will not make mistakes while shopping.<br />
  10. 10. Malaysia Property GuidesThings you should know<br />Malaysia BLR and BFR Rates 2010(Base Lending Rate and Base Financing Rate)<br />Mortgage Refinancing– Beneficial or not?<br />4 reasons why you SHOULD NOT refinance.<br />Can I refinance my home loan at a new interest rate?<br />Guide to Investing WISE-ly.<br />Managing your personal finance WISE-ly.<br />Islamic practices of Debt Management.<br />
  11. 11. Malaysia Property GuidesThings you should know - 2<br />Malaysia Home Loan Frauds.<br />Mortgage Reducing Term Assurance (MRTA)<br />Malaysia Home Equity Loans.<br />What is life insurance?<br />How to make a banking complain?<br />Properties and EPF – How-to<br />How to choose the right financial institution?<br />Using Malaysia home loan Online Apply.<br />
  12. 12. Thank you for reading<br />Powered by ML<br />If you like our slides, please share them with your friends.<br />

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