The document discusses ways for homeowners to reduce their home loan interest payments through extra payments, prepayments, and refinancing. It provides examples showing that homeowners could end up paying 2.16 times their original loan amount in interest over the full 30-year term due to interest accumulation. However, strategies like making extra monthly payments, lump sum prepayments, or refinancing can significantly reduce total interest costs and help pay off the loan faster.

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4. YOUR MORTGAGE LOAN Installment Amoount $1,297.20 BLR: 6.75% Yearly Tenure: 30 Years (360 Months) Loan Amount $ 200,000.00

5. Monthly Installment $ 1,297.20 x 360 Months = $ 466,990.63 Loan Amount $ 200,00.00 Total Repayment $ 466,990.63 $466,990.63 - $ 200,000 = $ 266,990.63 Total Interest Interest $ 266,990.63 DO YOU KNOW ? Installment Amount $1,297.20 BLR : 6.75 % Yearly Tenure: 30 Years( 360 Months) Loan Amount $ 200,000.00

6. After Paying $77,832.00 for 5 Years Monthly Installment $1,297.20 PENALTY will imposed if you Pay Off your Home Loan Within 5 Years !! Pay to principal $12,248.58 Interest Paid $65,583.42 $200,000 LOAN AMOUNT ， PAYMENT for 5 Years ($77,832.00), Outstanding BALANCE $187,751.42 (94%) Tenure: 30 Years ( 360 Months)

7. YOUR MORTGAGE LOAN Monthly Installment $1,297.20 INTEREST PAID $1,125.00 PRINCIPAL PAID $172.20 TENURE: 30 YEARS( 360 MONTHS)

8. Payment For 15 YEARS ， Total $233,496.00 Monthly Installment $1,297.20 PRINCIPAL PAID $63,043.92 INTEREST PAID $170,452.08 $200,000 LOAN AMOUNT ， PAYMENT FOR 15 YEARS ($233,496), Outstanding Balance $136,956.08 (73%) TENURE: 30 YEARS( 360 MONTHS)

13. Installment $1,621.50 BLR : Yearly 6.75 % TENURE: 360 Months Loan Amount $ 250,000.00 Monthly Installment $ 1,621.50 x ( 360 Months ) = $ 583,738.29 Total Interest $ 333,783.29 Loan Amount $ 250,00.00 Total Repayment $ 583,738.29 1. Excess Payment 2. Advance Payment 3. Principal Reduction 4. Partial Prepayment 1. Excess Payment Current Account Loan Account Extra Payment $2,000.00 ( +378.50 ) $1,621.50 ( +378.50 ) Flexi Loans

14. inverse order of maturity Installment $1,621.50 BLR : YEARLY 6.75 % TENURE: 360 MONTHS Loan Amount $ 250,000.00 Installment $ 1,621.50 x 360 Months = $ 583,738.29 Total Repayment Total Interest $ 333,783.29 Loan Amount $ 250,00.00 Total Repayment $ 583,738.29 1. Excess Payment 2. Advance Payment 3. Principal Reduction 4. Partial Prepayment 2 . Advance Payment Suspense Account Loan Account Extra Payment $2,000.00 ( +378.50 ) $1,621.50 inverse order of maturity ( +378.50 ) Term Loans

15. Installment Amount $1,621.50 BLR : 6.75 % Monthly Rest TENURE: 360 MONTHS Loan Amount $ 250,000.00 - 10,000.00 $ 240,000.00 TOTAL REPAYMENT $ 250,000 ( 333,783.29 ) VS $ 240,000 ( 320,388.76 ) Total Interest $ 333,783.29 $ 320,388.76 $ 250,00.00 Principal $ 240,00.00 1. Excess Payment 2. Advance Payment 3. Principal Reduction 4. Partial Prepayment 3 . Principal Deduction Request for Pricipal Deduction $10,000 Difference $ 13,394.53 Term Loans Flexi Loans

16. Monthly Installment $1,621.50 TENURE: 360 MONTHS LOAN AMOUNT $ 250,000.00 Total Interest $ 333,783.29 Loan Amount $ 250,00.00 1. Excess Payment 2. Advance Payment 3. Principal Reduction 2 . Advance Payment Suspense Account EXTRA PAYMENT $10,000.00 ( +8378.50 ) Request Principal Deduction $10,000 1. Excess Payment Current Account ( +8378.50 ) ( +8378.50 ) 3 . Principal Reduction

17. The Power of Partial Prepayment Installment amount $1,297.20 BLR : Yearly 6.75 % Monthly Rest TENURE: 360 MONTHS Loan Amount $ 200,000.00 Shorten the Tenure ， Save Interest ！ Shorten the period of pay off 。 Loan Amount $ 200,00.00 4. Partial Prepayment Extra Payment $10,000.00 Shorten of 50 Months Total Interest $ 266,990.63 $ 211,619.06 $ -55,371.57 Balance of 310 months Save$56,777.86 8,378.50

18. Partial Prepayment www.bnm.gov.my

20. NOW YOU CAN SAVE UP TO 90% OF YOUR HOME LOAN INTEREST? One Stop Financial Services YOUR FINANCIAL CONSULTANT