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Finance

A Mortgage Makes Home Ownership Affordable

The different mortgage options available to home owners A mortgage is a debt instrument offered by banks or financial institutions in Malaysia to assist home buyers seeking funds to purchase real estates. Upon the approval of the mortgage application, the bank becomes a Chargee (in the case of individual title property) or ...

Insights On Islamic Home Financing: Advantages To Consider

Another privilege for home owners to make a choice in future For home financing, conventional banks provide a loan to the homebuyer, and charge an interest on top of the principle as the cost of the funds. Beginning 2015, Bank Negara Malaysia (BNM) introduced the base rate (BR) to replace the ...

Views From First Time Homebuyers On Their First Purchases

A Positive outlook for home ownership among the young adults Buying a first home resembles a scenario of falling in love for the first time with your spouse. There must be some chemistry in the relationship which sparks the love and emotional senses to a couple. Well the same can be ...

Look Before You Leap

10 things to check before signing your housing loan documents The country’s property sector has taken a downturn, due to the current economic crisis faced by the Malaysian economy. The sales of property is greatly affected too. Currently, a huge number of property units lies unsold and the number is constantly on ...

The Property Get Rich Quick Scheme

These days there are so many get rich schemes in the market, and all of them have not really made anyone rich, in fact it has made a lot of people poorer. This is very sad, since the only reason people get into these things is to make their already ...

Can An Employee Become Financially Independent?

Recently, I met a couple of friends for a cup of coffee.  Bruce and Clark (fake names, of course) are middle managers who are doing well in the corporate world. According to them, most employees dream about getting out of the rat race and achieving financial independence. Let’s not debate too much ...

Property Valuation Methods

What are the things property valuers look at when valuing your property?  Real estate appraisal, property valuation or land valuation is the process of developing an opinion of value (usually market value) for real property. Real estate transactions often require appraisals because they occur infrequently and every property is unique — ...

Can One Achieve Financial Success As An Employee?

Most of us are employees our whole lives. However, there seems to be a stigma against employees. Some people call us losers while others label us as lazy sloths that are a drag on innovation and entrepreneurship. Some may even look down on us with condescension. For the record, I truly ...

Eoi & Roi Considerations: A Logical & Financial Comparison

When it comes to defining real estate investment success, there are various determining factors, from the aspects of location to financial returns. Since it is subject to each person’s personal experience, everyone can claim their own version of a success formula – as long as it consistently works for them. ...

Financial Planning Insights Into Property Investment

During a dinner session with friends recently, I kept hearing sighs about how they were unable to rent out their investment condominiums. At the time of purchase, those units were located in hot areas and were quickly snapped up for its rental yield. However, with the current economic situation, some of ...