WISE Guide to Malaysia’s Property&HomeLoan :WISE Guide to Malaysia’s Property&HomeLoan Fiscal Wise Sdn Bhd Powered by MHL


Common Home Loans :Common Home Loans Maybank MaxiHome-iHome financing under Variable Rate Financing – Islamic Policies apply Home Financing-iFixed Rate Financing, Islamic Policies apply MaxiHomeAccess to growing equity, higher loan margin Cimb bank Home Financing-IFixed rate financing with Islamic policies HomeFlexiUses your savings to reduce outstanding home loan principal HomeLoanFixed monthly repayments throughout loan term HomeXtraApply for higher loan amount for appreciated properties HomeLoan ForeignerHome loan financing for foreigners/expatriates MM2HMalaysia My 2nd Home programme


Are you HOME LOAN smart? :Are you HOME LOAN smart? The next few slides will teach you how to be home loan smart. Powered by MHL


Before getting a home loan :Before getting a home loan 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.


Home Loan Criterions :Home Loan Criterions 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!


What to ask the home loan consultant :What to ask the home loan consultant 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!


Ready for a Malaysia HOME LOAN? :Ready for a Malaysia HOME LOAN? Have you finished gathered your data? Think you’re ready to buy a house already? No, you’re not done YET.


Malaysia Property Insight & Guide :Malaysia Property Insight & Guide When you want to buy 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.. When you want to sell 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…


More Home Loan Guides :More Home Loan Guides Consider reading a little bit more about your Malaysia home loan and property so that you can will not make mistakes while shopping.


Malaysia Property GuidesThings you should know :Malaysia Property GuidesThings you should know 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.


Malaysia Property GuidesThings you should know - 2 :Malaysia Property GuidesThings you should know - 2 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.


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