What is Mortgage Loan?


What is Mortgage Loan?

Most of the people obtain a housing loan from a banking institution in Malaysia.  There are many types of housing loan providing by banking institution such as term loan, flexi loan, overdraft and many more.  Based on your current financial status, you might to check it which provide you the best solution.  Hence, you need to make sure you have all the bank requirement for your housing loan application.

Purchasing a house can be considered as a form of investment and/or the the need of people to own a house.  You need to know whether you can afford based on your current income and savings as it is plays a role during your loan application.  The bank will make an assessment on your debt service ratio (DSR) as per your current financial status to see whether you can make the repayment on your housing loan or not.


Spend A Lot of Time to Liaise with Bankers 
iaise with different bankers to understand the loan packages then submit for loan application and follow up on the status of loan approval and disbursement.

Comparing Different Banks Loan Packages
Keep comparing the loan packages of different banks (e.g. Public Bank, RHB Bank, CIMB Bank, Hong Leong Bank, OCBC Bank,HSBC Bank & etc) and calculating the repayment.

Loan Rejected Due to Lack of Documents
Mortgage loan application is rejected due to bad credit history in CCRIS, high commitment or lack of financial documents such as salary slip, income tax documents & etc.



How Can We Help You?

We will survey for mortgage deals based on clients’ eligibility and advise for the best mortgage deals in terms of interest and repayment. We help our clients to submit the mortgage loan & refinance mortgage loan application and and follow up the status until disbursement of loan.   We advise for a suitable loan package based on your needs.




How long does it take to have a approval?
Normally it will take 4 working days upon complete documentation requested.

Why can’t I apply from the bank directly?
We are great network of bankers with the latest information to advice you which bank is offering the lowest interest rate, or which kind of mortgage product that suits you best.

I have dealt with some bankers that doesn’t reply my messages or answer my calls….
With our services, we will guide you through and have always be at your service.



If you are having one of them above, you can leave us a Message OR for more information.



Thank you for reading!




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