ING Fixed Rate Home Loan - The Lowest Fixed Rate in town only at 4.85%p.a (Non-ZMC) or 4.99% (ZMC).
Hurry! Promotion ends 30 December 2009. Email to cheahyang_0@hotmail.com for details. Please visit http://gavin-lim.webs.com/homeloanmlta.htm and read ING Insurance Explains Fixed Rate Home Mortgage to know why a fixed rate is better than a floating rate in long term.

This post has been edited by gavin_lim: Dec 7 2009, 09:13 PM

Why not getting yourself a Fixed Rate Home Loan? No more worry on BLR fluctuates.

Hurry! The promotion for the fixed rate home loan (the lowest in the market) will be ended on 30 December 2009. Apply before the interest rate goes up!

For details, please send your enquiry to cheahyang_0@hotmail.com or visit http://gavin-lim.webs.com/homeloanmlta.htm

Hi:
If the property is for own stay & you're not planning to sell it or early settle the loan, you should apply for a fixed rate home loan. For long term, it's not necessary to take the risk of BLR since the current lowest fixed rate is reasonable, 4.85%p.a only! Hurry, promotion ends 30 December 2009.
However, if your property is for investing purpose, you may consider getting a flexi loan. We can help you to deal with most of the banks in Malaysia as well.
For more info, please e-mail your enquiry to cheahyang_0@hotmail.com today.

Promotion for ING Fixed Rate Home Loan :
The interest rate can be as low as 4.85%p.a for Non-ZMC & 4.99%p.a for ZMC,
depending on the property type, location, construction risk and etc.
This promotion will end on 30 December 2009.

Hi to all home buyer:
I think the loan tenure is important when you determines which type of home loan to take. When the loan tenure is short, a floating rate may be a wiser choice as it should save your interest expenses if compared to a fixed rate. However, if the loan tenure is long, I think it's safer to take a fixed rate instead of a floating rate. No one can predict how high the BLR can go in future. So in long term isn't it wiser to avoid such risk?
Of course, if you believe that the BLR will stay low most of the time during your loan period you can still go for a floating rate. There's no right or wrong. Just whether you think it's worth to take the risk of BLR when a floating rate is around 1.5% lower than a fixed rate at present.
No matter you're looking for a floating rate or a fixed rate I'll be able to help you. I can help you to apply for the lowest fixed rate home loan in the market. If you're looking for a flexi home loan package, I can introduce the bankers from most of the banks to you as well.
Anything you want to ask me you can feel free to drop a message to cheahyang_0@hotmail.com and I'll be glad to help you. Thanks!

That's the idea I think a lot of agents misleading their clients. First, refinance involve charges, this increases the expenses for your loan. Second, use your logical thinking, when the floating rate goes up, will you still be able to get a fixed rate at 4.85%p.a? You can refinance but whether it can save your interest expenses, it's unknown. Unless you tell me you got enough money to settle the loan when the time has come, then it's a different story.

Hi:
So have you got your mortgage consultant from ING? If you haven't, I'm one of them. Any inquiries you have can drop a message to cheahyang_0@hotmail.com and I'll explain to you in details. Thanks!

Worrying about BLR fluctuation? Get yourself a fixed rate instead!

Guaranteed interest rate for the whole tenure and your installments end the day it supposed to, not a day longer!

Apply for the lowest fixed rate home loan in town -> ING Fixed Rate @ 4.85%.
Hurry! Valid until 30 September 2010!

Home loan up to BLR-2.35% (loan size RM150k & above) and BLR-2.45% (loan size RM800k & above). Terms & Conditions Apply!
If interested, please reply to cheahyang_0@hotmail.com for more details.