LoanPanda｜Ali

Jhou: It is so confusing!
Ah Lee: What happened？
Jhou: What is Flexi Loan?
Ah Lee: Flexi loan is flexible loan
Jhou: Then, what is Semi-Flexi loan ? How about Full-Flexi loan?
Ah Lee: Lai ! Let me told you !


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Jhou: Why I still owe bank so much loan even though after paying installments for so many years?🤔

Ah Lee: Did you deposit extra money to reduce principal loan amount? 😁

Jhou: Of course! I deposit a lot extra each time! 🔥🔥🔥

Ah Lee: Did you deposit the money at the right place mou?😂

Jhou : I don’t know leh..😬

Ah Lee: Lai ! Let me told you !😎


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Jhou: Let’s go ! Let’s enter the market to invest in properties lo! 😎

Ah Lee: Have you prepared all the required loan documents?? Have you checked your CCRIS status? 😁

Jhou: What is CCRIS ah?🤔

Ah Lee: CCRIS is your loan repayment record, to understand whether you pay your loan accordingly and whether your current commitment allow you to receive loan from bank. 🤓

Jhou: How to check it ? I really do not know about that leh.😔

Ah Lee: Lai ! Let me told you ! 🙋


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Finally,
buku Mortgage i dah success
publish in Popular🥳
(Mandarin version)

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REFINANCE

Actually, Refinance bermaksud anda boleh pilih untuk memberhentikan current loan package, sama ada tukar ke bank lain ataupun pinjam sekali lagi dengan current bank. Selain itu, pinjaman loan dengan bank pakai clean title juga merupakan salah satu method untuk refinance.

So, ade apa kebaikan melalui REFINANCE

1. Shorten Loan Tenure

Eg: Jika anda ada keupayaan atau kemampuan, anda boleh pilih untuk memendekkan tempoh bayaran 35 tahun yang asal jadi 25 tahun? 15 tahun? 10 tahun?

Ini dapat bantu menyelesaikan pinjaman dengan lebih awal, lebih menjimatkan interest, dengan mencepatkan buka balik kuota 90% loan margin untuk seseorang tertentu.

2. Lower Interest Rate

Misalnya, interest rate pada 10 tahun dulu adalah sebanyak 5.9%. Kini, kalau ada bank lain yang boleh menawarkan interest rate yang lebih rendah, lets say 3.9%. Anda berminat untuk buat refinance tak? Satu kali sudah boleh menjimatkan interest rate sebanyak 2% Adakah anda ingin menikmati pinjaman dengan interest rate yang lebih rendah?

3. Cash Out Money

Eg: Pada tahun 2011, kalau anda beli satu property dengan harga 250k. Sekarang, 10 tahun sudah lepas. Asal 250k property, value mungkin sudah meningkat menjadi 500k. Katanya pinjam 80%, dapat loan amount 400k, lepas itu settlekan outstanding balance, mungkin ada tinggal lagi 200k yang anda dapat untuk cash out. So, anda boleh menggunakan wang ini untuk mengembangkan bisness? pergi melancong? Atau buat investment lagi dengan beli new property? Ikut s**a hati anda.

4. Debt Consolidate

Kenapa kebanyakan orang s**a mengambil harta nah untuk buat refinance? Sebab ini dapat menyelesaikan Personal Loan, Credit Card, PTPTN serta debt-debt lain melalui refinance. Normally, Personal Loan dengan interest rate sebanyak 7-12%, kad kredit lebih kurang 12-18%. For HOUSING LOAN, interest rate mungkin cuma 3-3.5%, anda boleh menyelesaikan hutang-hutang yang charge dengan higher interest rate, ini sudah dapat membantu anda mengurangkan komitmen bulanan dengan meringankan beban anda juga. So, yang high komitmen punya kawan-kawan boleh try consider untuk buat refinance ni ye.

5. Increase Cash Flow

Sebagai contoh, jika anda memerlukan sejumlah wang untuk mengembangkan bisnes serta perniagaan, buat renovation, menyediakan stand-by fund dengan education fund untuk anak. Anda juga boleh mencapai target ini dengan melakukan Refinance

Sekian, Terima Kasih !!!


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6 tips to improve HOUSING LOAN approval rate

1️⃣ Maintain Good Payment Record
- Maintain good repayment habits
- Don't late payment
- Credit Card at least got Minimum Payment
- Monitor your CCRIS & CTOS

2️⃣ Got Saving Habits
- Got Saving / Fixed Deposit
- At least got 20% saving from SPA price
- Got EPF

3️⃣ Don't Simply Change Job
- Don't Change your Job 6 months before apply loan
- If Change, better both job character almost similar
- Better Don't have any gaps when changing your job
- Suggest only change your job, after get the approval from bank

4️⃣ Control your Commitment
- Control Credit Card Usage within 60% from limit
- Lower down DSR
- Debt Consolidate
- Mortgage Planning

5️⃣ Back Up Plan
- Got Joint Borrower
Eg: Husband-Wife, Siblings, Parents
- Make sure Joint Borrower got good repayment record
- Got saving
- Purchase another property with lower price

6️⃣ Income Tax
- Borang B / Borang BE
Please seek the advise from your professional Mortgage consultant or banker before apply loan👌

Share to your friend, family member or client🙆‍♂️


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