Fiscal Wise Sdn BhdPowered by MHL

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

The next few slides will teach you how to be home loan smart.Powered by MHL

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 InsurancesEase of RepaymentsGuarantors for home loansConventional vs Islamic FinancingMargin of FinancingLoan TenureDaily Rests vs Monthly RestsGraduated Payment SchemesPrepayment of Outstanding Loan

Criterions: Basis for Comparison

Make these comparisons of home loans before moving

on to the next step!

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 professionalHome Loan Consultants

NOW!

Have you finished gathered your data? Think you’re ready to buy a house already? No, you’re not done YET.

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…

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

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 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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