home loan

Not all extra payments save the same. This guide explains advance loan payment vs reduce loan principal and why paying straight into principal usually cuts more interest. Learn simple 2026 strategies like flexi loans, EPF use, and refinancing to repay your home loan faster.

Confused about why your home loan instalments keep changing? This 2026 guide explains Malaysia’s Standardised Base Rate, how it differs from BR and BLR, and how each affects your real borrowing cost. Learn how SBR links to OPR, what spreads mean, and how to compare loans confidently.

A CTOS score is a three-digit credit rating (300-850) used by Malaysian banks to assess your loan risk. In 2026, a higher score improves your chances of home loan approval and better interest rates, while a lower score can lead to stricter terms or rejection.

Find out how to check home loan eligibility, what happens if your housing loan application is rejected and how you can use loan eligibility calculators such as LoanCare to avoid or minimise loan rejections in Malaysia.

For those who are planning to purchase a home in 2023, these tips can help you avoid loan rejection from the get-go. Remember, you will have to wait between 3-6 months before applying for another home loan. 

Discover how Malaysia’s Overnight Policy Rate (OPR) shapes housing loan interest rates, monthly instalments, and loan approvals in 2026. Learn how OPR movements affect affordability, fixed versus floating loans, and what buyers should consider before securing a mortgage.

Hibah for secured properties or Hibah Bersyarat Rumah Bercagar (HBRB) is one of the preferred instruments of property planning to avoid inheritance disputes in the future.

The Overnight Policy Rate (OPR) has been increased by Bank Negara Malaysia (BNM) by 25 basis points from 2.75% to 3% on 3 May 2023. Let's take a look at how this will affect your home loan.

How to get a loan to buy a house as a freelancer, self-employed and commission earner in Malaysia? Check out the 8 tips offered by professional mortgage consultant to improve your chances of home loan approvals.