Klang Valley : Property Loan and Refinancing

So, you have found your dream property in Klang Valley after searching many property for sale advertisements? Your next step is to find the suitable property loan to finance your property purchase. Which bank offers the lowest interest rate?

Example: Loan Amount RM300K. Bank A charges interest 5% (fixed) and Bank B charges interest 6% (fixed). If you select Bank A, you will save about RM67,747K in interest over 30years loan period.

Or you want to refinance your existing mortgage loan to take advantage of the current low interest rate. Should you pay the penalty and refinance with another bank?

There are no definite answer for this as there are other factors to consider eg. lock-in period, margin of financing etc.

If you want to know which bank offers the best property loan package, and you want to SAVE money, please send me an email for a FREE consultation. Please state your requirements and the property details.

Klang Valley: Insurance

Most of my friends say they don't need insurance. However, accident and health problems can happen to anyone, anytime, and at any age. For example, Michael Jackson suddenly die due to unknown reason.

Imagine one day you are diagnosed with cancer. Are you going to use up most of your savings to pay for the hospitalisation fees? Can your best friend loan you some money first?

If you're married and suddenly you become total permanent disablement (TPD) from an accident, how is your family going to pay back the mortgage loan since you no longer can work? Do you have enough money to pay for your child education?

Example of medical expenses (prices are increasing annually):
(a) Dengue RM30K
(b) Chemotherapy RM200-RM1K per therapy
(c) Kidney failure RM2K per month
(d) Cancer RM3K-RM140K
(e) Heart transplant RM50K-RM100K

If you go to a hospital, the first thing they ask is "Do you have a credit card?" or "Do you have a medical card?".

I'm selling a new medical plan with renewability up to age 100, and NO LIFETIME LIMIT. Post hospitalisation is up to 120 days. This is the best insurance you can get in Malaysia.

Insurance is not expensive, don't procrastinate, email me now for an appointment if you are keen in buying insurance. Do not see me as an insurance agent, think of me as "providing an umbrella during your unexpected raining days". No obligation.