Home Loan

Home Loan for Low Income Earners (First Time Buyers)

Is it possible to get a home loan if your monthly combined household income less than RM1,200? Yes, it is possible! Skim Pinjaman Perumahan (SPP) Basically, this program has been launched since 1976 with the purpose in helping low income earners, who are unable to secure any source of housing loan to finance their first [...]

The Best Singapore Home Loan Rates Comparison Online Platform 2011 – SmartLoans

Are you looking for a detailed comparison between Singapore home loans package to finance your investment properties in the country? Which bank in Singapore offers you the best home loan rate for both HDB loan and private property loan? HSBC? DBS? UOB? OCBC Bank? Or others? SmartLoans is the best home loans comparison online platform [...]

FREE Greater KL Map to Indentify Your Dream House / Investment Property Best Location From Citibank

FREE Ho Chin Soon’s Greater KL Map from Citibank! I saw this interesting freebie appeared quit frequently on blogger’s Google Ads. So curious about the map. The map seems very useful to identify the best locations for your dream house / investment property with upcoming developments, LRT extensions, and proposed MRT lines nearby. After identify [...]

Skim Rumah Pertamaku (SRP) / My First Home Scheme is Finally Launched!

Finally, Skim Rumah Pertamaku (SRP) or My First Home Scheme is launched! Besides, the official SRP website is ready, too! More updates and details this time! Before this, I know there are many questions pop up in your mind regarding the scheme, especially about the qualifying criteria, who is eligible for the scheme, what are [...]

What People are Saying about BLR Trend in Malaysia Over Next 30 Years?

If you think fixed rate mortgages is the best option for your house financing but not too sure about the decision, perhaps the result of the questionnaire shown on below may give you some ideas. I found this interesting survey from PROPERTY BUYER, #Issue 20 (September 2010). Sime Darby – ING Property Tour Bus Campaign [...]

Prevent Speculation & Property Bubble by Reducing Home Loan Margin to 80%, Does it Workable?

If Bank Negara Malaysia (BNM) decides to impose 80% Loan to Value Ratio (LVR) for home loans mainly to so-called prevent speculation on property prices and the risk of potential property bubble, does it workable? What is your point of view about the policy? Impact on Own Stay / First House Buyers The policy of [...]

Legal Fee, Disbursement Fee, Stamp Duties and Other Fees for Mortgage Agreement

What are the chargeable fees involved for signing a mortgage agreement? As we noticed, seem like bankers are no longer offering ZERO MOVING COST financing package for our home loan. In another words, we have to either pay the legal fees for the housing loan agreement by ourselves or finance it into the loan. Perhaps [...]

Is SoHo Covered / Protected by HDA (Housing Development Act)?

Most of us know that serviced apartment in Malaysia is covered by Housing Development (Control and Licensing) Act 1966, which has been amended in 2007 to protect house buyers who bought homes built on commercial land. But, how about those so called SoHo properties? Compare Sale and Purchase Agreement I found out Setia Walk SoHo [...]

BFR & BLR Increase Again From 6.05% to 6.30% Effect From 13 July 2010

Base financing rate (BFR) and base lending rate (BLR) increase again!!! With effect from 13 July 2010, both BFR and BLR will be raised to 6.30% per annum from 6.05% per annum. First Increment (March 2010) = 5.55% to 5.80% Second Increment (May 2010) = 5.80% to 6.05% Third Increment (July 2010) = 6.05% to [...]

Home Loan Refinancing: Make Money to Buy More Property

How to buy more property to generate greater passive income? Home loan refinancing is the answer. It is a good stepping stone to build stronger investment portfolio especially for those who has limited sources of income. It all about Power of Leverage! For a property investor, the refinancing of a property that is fully or [...]


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