KEPADA SESIAPA YANG INGIN MEMBELI RUMAH KEDIAMAN... BANK YANG SESUAI UNTUK MEMBUAT LOAN IALAH HSBC DAN EON BANK...
BERIKUT MERUPAKAN ANTARA KEISTIMEWAAN YANG DITAWARKAN
SEMASA MEMBELI RUMAH KEDIAMAN TERDAPAT BEBERAPA CIRI YANG PERLU KITA AMBIL TAHU IAITU:-
1) LOKASI
2) HARGA RUMAH HARUS 20%-30% DI BAWAH HARGA PASARAN
3) KADAR FAEDAH YANG DIKENAKAN (MESTI PILIH DAILY REST)
1. Home Loans (HSBC SMART HOME)
Introduction to HomeSmart
Whatever your life’s priorities are, here’s a home loan that's made flexible for your changing needs.
HomeSmartAs you move through life your priorities change. HomeSmart is a flexible home loan that lets you rearrange your priorities anytime. When buying your first home, perhaps you would want to pay it off as soon as you can by depositing excess payments. A few years down the road, you may have a child on the way. HomeSmart then lets you withdraw the excess payments to help you create a cozy home for your baby. That's the power of flexibility in HomeSmart.
Just starting out?
Finally, your dream is coming true. At this stage in life, you may not have a high level of disposable income yet HomeSmart can make every cent count. By just depositing your entire salary and leaving a little extra excess payment in your HomeSmart account every month makes a big difference in how soon you can pay off your home loan. You may also opt for the HSBC HomeSmart with Step-Up** that starts with lower initial monthly instalments and gradually rise to match your projected income as you become more successful.
Enjoy the power of flexibility and more
Flexible features to let you rearrange life's priorities anytime
Use the 3 Simple Ways to own your home in ½ the time*
Daily interest calculation
Easy withdrawal of excess payments
Protection for you & your loved ones
Own Your Dream Home Sooner
HomeSmart with Step-up **
HomeSmart
Now you can own a home that matches your potential, not your salary. HomeSmart Step-up lets you pay less now and more when you prosper.
Lower initial payments lets you move into a grander, better home sooner. Instalments start up to 20% lower than usual for the first year and gradually rise to match your projected income as you become more successful.
For example, your current salary may not qualify you to take up a RM300,000 financing, with a monthly instalment of RM1,988. But with Step-Up your instalments starts at only RM1,591 (20% reduction) and works its way up in subsequent years.
HomeSmart Reserve
With HomeSmart Reserve, you are able to get additional loan secured against your existing property. You can use this additional loan for anything you need, be it your child's education, home renovations, a relaxing family vacation or even venture into a long awaited business or investment opportunity.
HomeSmart Advantage
If you have already finished servicing the home loan/home financing of a property and the property is now unencumbered, you are able to secure a loan against the unencumbered property with HomeSmart Advantage. You can use this home loan to turn the unencumbered worth of your home into cash and in turn, it can be used for making home improvements or any other expenses.
*This is dependent on fulfilment of certain conditions namely the loan amount granted and its tenure, monthly income and savings and/or idle funds that can be maintained by the individual(s) in the HomeSmart account.
**HomeSmart Step-up is an optional feature for HomeSmart. It is only available for salaried individuals aged 40 and below. Applicable only for new purchases of properties that are under construction or completed.
2. EON BANK (Super Easi 123 Flexi Home Loan)
Features
Mobility For Your Money
We give you the flexibility to utilize your excess funds. With these funds, you can make additonal payments to save on interest and shorten your load period. Should the need arise, you may withdraw your funds any time (amount subject to availability of funds in your current account.) So go ahead and furnish your new home, finance your children's education or even go for a well-deserved holiday!
Higher Margin of Financing (MOF)
Up to 95% Margin of Financing (MOF) and MRTA financing.
Tenure
Maximum financing tenure is set at 30 years or when you reach 70 years of age, whichever is earlier.
Competitive Interest Rates
Interest is calculated daily and our rates are among the most competitive in the industry. So, you pay lower interest if your housing loan is paid in advance!
Additional Exclusive Privileges
No notice is required and no penalties will be imposed for any additional payment or partial settlement made during the tenure of the loan including during the fixed-rate period.
No processing fees! Only a minimal montly service fee will be imposed.
Pre-approved "Free For Life" EON Bank Group Credit Card (Visa or MasterCard) with a lifetime annual fee waiver
No commission or service charge on Standing Instructions for EON Bank Savings or Current Account
Who is eligible for Super Easi 123 Flexi Home Loan?
Applicable for all purchases of properties (completed or under construction), landed properties, apartments and condominiums. We also offer an attractive refinancing package.
