Loans & Financing

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Questions & Answers
How much can I afford?
How much can I borrow?
How long does it take to process a loan?
What is the difference between conventional financing and Islamic financing?
Why do I need a valuation?
Do I need to appoint a lawyer? Can I choose my own lawyer?
Who pays for the legal fees?
What if I run into financial difficulties and cannot meet my loan repayments?
Can I pay off my loan in full earlier than the agreed loan tenure?
Is there any waiver of penalty fees for early loan settlement?
Why does my outstanding loan remain high at the initial stage despite the repayments made?
Can I make extra payments other than the monthly contractual repayments?
Do I need a guarantor for a loan facility?
Does the financial institution have the right to charge my loan account for any miscellaneous charges incurred by them such as late payment charges, legal costs, insurance, etc?
How long is the grace period for payment of my monthly instalment/interest?
When does the financial institution release the loan to the seller/developer?
Can I purchase a house under joint names and apply for the housing loan only under my name?
If the developer abandons the project, am I still required to service my interest/instalment payments?
What happens when the loan is fully repaid?
What happens in the event of death of a borrower who has not bought insurance?
What can the financial institution do if I do not make repayments?
What is the most convenient way to repay my loan?
Should I consider refinancing my loan if I am offered a lower interest rate?

Find out the benefits and drawbacks of renting out your property at a long-term or short-term period.

Here are some reasons why your home loan is rejected due to stricter requirements.

Find out more about the 1Malaysia People’s Housing Programme.

For couples who are looking to establish their retirement savings or their child’s education fund through property investment, here are a few things they should consider.

Find out what are the best home loans in 2014.

Here are a few ways you can explore to avoid the property rental trap with the end-goal of purchasing your own home.

Many dream of enjoying a lavish lifestyle brought about by successful wheeling and dealing in property but what does it really take to be a propertypreneur?

Here are 10 things to consider before you decide to purchase a high-rise condominium.

Some things that you should know when shopping for a home loan in Malaysia.

Here are four home repairs that are best left to an expert.

Here are 4 things that your mortgage broker wish you knew.

Factors To Look At For Your Buy-to-let Property Investment

Here are some risks when buying an auctioned property.

Some potential issues that you will need to be aware of before purchasing a property.

Bank Negara Malaysia (BNM) has imposed new lending regulations that do not harm home buyers.

Home buyers should consider the lock-in period of a home loan package when taking up a home loan in Malaysia.

With the Government introducing market cooling measures, will the property market see growth in the coming years?

Find out whether the Brazilian property market will continue to boom after hosting the World Cup in 2014.

Here are several options available to address home ownership concerns.

Find out if you qualify to purchase a house with the criteria laid out for the 1Malaysia People’s Housing Programme.

Steps to signing up for the programme will be examined as well as other things you need to take note of when you’re a PR1MA homeowner.

Are you a first-time homebuyer? With the recent favourable hike of the real property gains tax (RPGT) in the Budget 2014, perhaps your dream home will become a reality.

This article shows a comparison between a property flipper and keeper.

This article explains the mortgage reducing term assurance and what it means to your home loan.

Are you a middle-income household member who’s looking to buy a home?

Bank Negara Malaysia (BNM) is set to outline a new framework for the country’s reference rate.

Here is a list of the cheapest to the most expensive 1,000 sq ft condominiums in major cities around Malaysia.

Here are some of the things you have to consider before getting the renovation loan for your dream home.

Here are some factors that can ignite a love story – between you and a property.

The current Base Lending Rate (BLR) is set to be replaced by a new interest rate framework known as the Base Rate in 2015.

Find out what is a home loan redraw facility and how to take advantage of it if your property loan has this feature.

Here are 8 properties in Malaysia and overseas that one can afford to buy with RM1 million.

Where can the middle-class afford to buy a home today? Here are a few affordable properties in sought-after areas that you could purchase.

Find out what is the number one tip to successfully buy your first home from these reputable and experienced agents

A study's findings on current household spending trends, price of homes and mortgage rates.

Thinking of renovating your house but do not have the cash to do so? Here are two common ways to secure financing from the banks.

Property valuation affects a person’s home loan eligibility apart from their earnings and credit report. Here are 3 reasons on why property valuations differ from its...

These are the few ways of inappropriately refinancing home loans before you decide to remortgage your home.

Getting a home loan? Here are 5 common mistakes that homebuyers make especially when it is for their very first application.

Having sleepless nights thinking about your overdue home loan repayments? These are 5 things you can do to save your struggling mortgage.

Here are advices given by 7 Financial Planners in order to realise your dream of owning your first property.

Buying a home can be one of the most stressful events in one’s life especially if it is your first time. These are the 10 frequently asked questions by our readers and fans.

Find out the major differences of Basic Term, Semi-Flexi and Full-Flexi home loans in order to help you choose a loan that truly fits your requirement.

The recent Budget 2014 disclosed that the Developer Interest Bearing Scheme (DIBS) will be removed to better manage the burgeoning real property prices in Malaysia.

A home loan’s overdraft facility is often confused with the redraw facility. So what is an overdraft facility all about?

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