Housing Loan - Licensed Loan Advisor
Hotline: +6016.7499.182
License No: WL7291/10/01 – 6/220916

About Housing Loan

Your house is a huge investment, and ensuring the home equity continues to grow does not come cheap. To take adequate care of your house and maintaining it can be costly, with the inevitable home repairs that need to be done from time to time. However, if you need a renovation loan or a housing loan, how do you know which type is right for you?

There is a wide selection of housing loans available for you to do repair sand renovations. Whether you are looking for a mortgage for a home purchase, refinancing to help cover various other expenses, a better interest rate, or a way to make cosmetic or structural improvements, we can help you customise the type of loan that best meets your needs.

Our loan officers are experts in determining the type of loan that is right for you. We can consult with you and help you find the right loan based on your specific renovation needs and the type of housing loan you are applying for with the best interest rate.

Eligibility

Photocopies of Identity Card & Driving Licence

SPA Agreement

Quit Rent & Tax Assessment

Land Title

Mortgage Bank Statement

Repayment Scheme

1.5% One Month (Unsecured Loan)

Total Loan 3 Months 6 Months 1 Year 2 Years 3 Years 4 Years 5 Years
1000 348.33 181.67 8.33 56.67 42.78 35.83 31.67
5000 1741.67 908.33 491.67 283.33 213.89 179.17 158.33
10000 3483.33 1816.67 983.33 566.67 427.78 358.33 316.67
50000 17416.67 9083.33 4916.67 2833.33 2138.89 1791.67 1583.33
100000 34833.33 18166.67 9833.33 5666.67 4277.78 3583.33 3166.67
500000 174166.67 90833.33 49166.67 28333.33 21388.89 17916.67 15833.33
1000000 348333.33 181666.67 98333.33 56666.67 42777.78 35833.33 31666.67

1.0% One Month (Secured Loan)

Total Loan 3 Months 6 Months 1 Year 2 Years 3 Years 4 Years 5 Years
1000 343.33 176.67 93.33 51.67 37.78 30.83 26.67
5000 1716.67 883.33 466.67 258.33 188.89 154.17 133.33
10000 3433.33 1766.67 933.33 516.67 377.78 308.33 266.67
50000 17166.67 8833.33 4666.67 2583.33 1888.89 1541.67 1333.33
100000 34333.33 17666.67 9333.33 5166.67 3777.78 3083.33 2666.67
500000 171666.67 88333.33 46666.67 25833.33 18888.89 15416.67 13333.33
1000000 343333.33 176666.67 93333.33 51666.67 37777.78 30833.33 26666.67

Terms & Conditions

Representative Annual Percentage Rate (APR) or Range:

  • maximum 18%

Fees of Loan Application:

  • Processing Fee:RM 50
  • Runner Fee:RM 50

Implications of Non-Payment:

  • Additional 1% interest rate charges if payments are late or missing.
  • No legal consequences if payments are late or missing.
  • No legal actions will be taken if payments are late or missing.
  • No impact on credit score if payments are late or missing.

Renewal Policy:

  • Minimum 3 Months & Maximum 5 Years of repayment period.
  • Automatic Extension of Loan which passed the payment period.
  • Upon renewal, there will be no fees or (interest) rate changes.