HOME LOAN

Overview
Market Value

& Eligibility
Refinance

Overview

Purchasing New Property

Are you facing any challenges securing your home loan? Don’t worry, you’re not alone.

Today, you will find that securing a home loan is an endless challenge, even for those earning 5-figure salaries. Besides the tight mortgage requirements, most people especially the first-time buyers are uncertain over the home loan application procedures and spend a lot of time checking out various banks in order to obtain the best deal.

Start your journey to own your dream home with us.

Market Value & Eligibility

MARKET VALUE

You need to know your property value when you intent to do the following.
– Buying a sub sales property
– Buying an auction property
– Refinancing your property
– Sell your property

ELIGIBILITY

Know how much you can borrow and match with the house that you can afford. This will improve your chances to own your dream house or get your home loan application approved.

Refinance Home Loan

Getting a new home loan to replace the original is called refinancing. Refinancing allows you to pay less interest on your property and free up cash.

Wait! Free up CASH? Yes, here’s an example of how it works.

Original home value: RM400,000

Present valuation of your home value: RM500,000

Amount you still owe in your original home loan: RM300,000

You carry out refinancing for 90% of the present value of your home: RM450,000

Amount of CASH you free up for personal use is RM450,000-RM300,000 = RM150,000.

There are many other reasons why people want to refinance their home loan. How do you go about it? Let us know your problem and we’ll guide you with the best option.

REFINANCE TO CASH OUT

Refinancing is when you already owned a home loan in Malaysia and you would like to change to another bank loan without moving home. For this process you need to access to your latest market value for your property. If the market value is higher than your existing bank loan, you can cash out some money by doing refinancing cash out. Talk to us today and we will guide you on the process.

CHANGE OWNERSHIP

Changing the ownership can be done as below and is it still under mortgage loan.
1. From parents to children (vice versa)
2. Between spouses
3. Between siblings
4. Between business partners

CHANGE BANK

Are you currently unhappy with your bank loan interest or their services? You can opt to change to another bank loan, just tell us your frustrations and we will do our best to assist you.

DIVORCE

When you have a relationship breakdown and require financial planning on your home loan which is still under mortgage, we are here to help you.
FOR ANY ENQUIRIES, PLEASE CONTACT US.
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