Im a refinancing specialist. Nowadays most of my cases have been mortgage refinancing, which is used to unlock the value of the properties. You can either sell OR refinance the property.

Keep in mind that I am a practitioner, I do mortgages as part of my bread and butter, not just spewing theory out of my behind

Anyone know what this is from Tiger bank?

Yeap, I can do AmBank for 40 years and 70 years old, as low as 818/m. 3.80%

Hi guys. I’m about to take asb loan. Will it be better if i maxed out year of tenure or 30 years will be good enough?

This. Haha.

6% is a miracle
5% is good enough
4% is ok la FD rate.
1-3% is suicide. Mak kau hijau najib marah khairy marah Mahathir marah semua marah.

But since this is a ASB Loan’s thread,

I guess the 6 months moratorium cash is good enough already despite the lower dividend 

Currently, starting from 1 July - 31 July, ASNB is having a promo for the registration of Hibah Amanah. Hibah Amanah is sort of penama for your money in the ASNB funds.

Normal registration fee is RM 180. Now only just RM 50.

For more info: https://www.asnb.com.my/hapapromo.php

Hi guys, recently due to OPR reduced my LASB interest rate reduce to 3.4% as well.
But why the monthly instalment maintained and not reduced?

need your advise. i am planning to buy house but at the same time interested to apply ASBF.

which one should i do first, get housing loan approve the proceed with ASBF or vice versa

and which bank give better rate for now?

Hypothetical question.. if I have MYR100k in hand, more profitable to park all into asb or use that money for paying asbf MYR200k?

By the way, one more question, why you guys insist not to take takaful at the first place? The agent told me that if add in the takaful, the price of the installment is the same.

So what is the use of that?

Basically same price as he told me but have to pay within 5 years. If terminate earlier then have to pay extra

Thanks for all the legendary advice. It is the best time to get loan and invest now? I bet the dividend will be quite low for this year. Sorry for the stupid question.