Best Housing Loan Package

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Your mortgage/home loan may be the single largest commitment that you have. For most people, servicing the home loan takes up between 40-50% of their monthly take home pay. That is a lot for a burden you have to bear for the duration of the loan tenure (15-30 years).

Finding the right home loan can be a long and difficult process.

In Malaysia, there are now 26 lenders, and they change their deals and rates daily. It's almost impossible for a borrower to find and compare all products on offer. It would take weeks, and by the time you had all the data? Many of the deals, would have changed.

Approaching just ONE bank for a loan might take you several hours... imagine if you wanted to see 10 banks to ensure you got the best deal? And then you had to read through all their contracts, do all the calculations etc.

I discovered this website that compiles all the packages from the banks. The site gets updates of loan deals from different lenders, and offer you the best package according to your needs. You can also compare all the latest and greatest home loan deals the lenders have to offer. The site is named Fiscal Wise

And best of all? IT'S FREE

TOP OFFERS

To check on the latest top loan packages of various categories from most of the loan packages available in the country, that best meet your requirements, saving you precious time and money, click at the following link: BEST OFFERS!

Based on my last research, CIMB is currently offering the best package in terms of average interest rate (provided BLR does not change :) For those who prefer Islamic financing, just check the box next to Islamic package and click the show me button.

CAN I AFFORD MY DREAM HOUSE?

You can check your maximum entitlement based on your current salary by using the ENTITLEMENT CALCULATOR

REFINANCING

To check on the refinancing packages available (including zero moving cost) click on this link : REFINANCING PACKAGE

To calculate the potential savings from refinancing your home, the REFINANCING CALCULATOR is quite handy.

For those who prefer to deal with a personal consultant, you can call the hotline stated in the website. The mortgage and financial consulting services are offered to you FREE of charge without any obligations. Not many people are aware of this service. Those mortgage consultants will actually be paid by the banks if your application is successful.

Signing off at 9.50 p.m.