Tahukah anda???

Rumah adalah aset terbesar dlm hidup kita dan jika tidak diuruskan secara berhemah bakal menjadi liabiliti terbesar!!!

Ramai yang tidak tahu bahawa jumlah faedah yang dicaj oleh bank-bank komersial sangatlah tinggi sehingga melebihi 2-3 kali ganda dari nilai pinjaman asal/prinsipal. Bahkan nilai faedah sebegitu tinggi membolehkan anda membeli 1-2 rumah lagi!!

 

Kini anda tak perlu risau…

Kami ada teknik mengurangkan tempoh bayaran pinjaman dari 30 tahun ke 5-10 tahun shj, seterusnya  menjimatkan kadar faedah sehingga separuh !!

 

  Flexible to deposit more than your monthly installment in any amount, anytime, and as often as you wish. No notice required or fees charged for extra payment, thus more savings.

  Flexibility to withdraw excess payments whenever you need it in any amount, anytime you wish. No notice required or fees charged.

  Daily interest calculation for more interest savings.

 

 

 

 

 

 

Base Lending Rate (BLR)

 

BLR is a minimum interest rate calculated by banking institutions based on a formula which takes into account the institutions’ cost of funds and other administrative costs. This is defined by central bank of the countries.

 

From the record, it shows that the highest BLR Malaysia ever has is 12.27% in year 1998 and the lowest BLR is 5.55% in year 2009. The average is 8.1%. Probably you can use this to justify whether it is better to take the fixed rate loan or floating mortgage loan (BLR +/- x% ).

 

 

 

Year  BLR (%)   Remark  

 2011   6.60       Adjusted May 2011  

 2010   6.30       Adjusted July 2010  

 2010   6.05       Adjusted May 2010

 2010   5.80       Adjusted March 2010  

 2009   5.55  

 2008   6.75       Adjusted March 2009  

 2007   6.75

 2006   6.00  

 2005   6.00  

 2004   6.00  

 2003   6.50

 2002   6.50  

 2001   6.75

 2000   6.75