{"id":4850,"date":"2021-09-04T15:23:22","date_gmt":"2021-09-04T07:23:22","guid":{"rendered":"https:\/\/mvm.mortgage\/?post_type=pylon_service&#038;p=4850"},"modified":"2021-11-01T19:42:49","modified_gmt":"2021-11-01T11:42:49","slug":"property-loan","status":"publish","type":"pylon_service","link":"https:\/\/mvm.mortgage\/zh\/pylon_service\/property-loan\/","title":{"rendered":"\u623f\u5c4b\u8d37\u6b3e"},"content":{"rendered":"<h2><strong>\u623f\u5c4b\u8d37\u6b3e<\/strong><\/h2>\n<p>A property\/mortgage loan is a debt instrument. A mortgage is a loan that used land or immovable assets as a security for the loan. These loans are tied explicitly to a real-estate property, such as land or a house. The borrower signs an agreement with the lender (usually a bank or financial institution) in which the borrower collects cash in advance and then makes payments over a specified period of time until the lender is paid back in full.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Property Loan Types in Malaysia<\/strong><\/p>\n<p>Choosing a mortgage\/ housing loan package is not just about the interest rate and fees you are going to pay. In fact, you will also need to consider the type of mortgage\/ housing loan that suits you. Typically, there are four types of loans, which are flexi loans, semi-flexi loans, non-flexi loans, and fixed-rate loans:<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Flexi Loan:<\/strong><\/p>\n<ul>\n<li>Full Flexi is run on a mortgage current account, you can withdraw and deposit money to the mortgage current account without any additional charges and procedures.<\/li>\n<li>The installment amount will be deducted from the mortgage current account as scheduled every month.<\/li>\n<li>Extra money can dump into mortgage current account anytime to save interest and withdraw anytime at no fee (just online transfer from current account).<\/li>\n<li>You will need to pay a monthly maintenance fee and one time setup fee.<\/li>\n<li>Suitable for self-employed or businessman, due to always have extra cash flow from business or investment prior paying to supplier\/creditor.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>Semi-Flexi Loan:<\/strong><\/p>\n<ul>\n<li>You can make advance payments on the loan, without sticking to an unchanged loan schedule.<\/li>\n<li>Semi flexi don\u2019t have current account (like full flexi), just loan account, money can put in to save interest.<\/li>\n<li>Can dump in money to loan account to save interest. For Withdrawal need to pay one time service charges RM25 or RM50, withdrawal at bank counter.<\/li>\n<li>You will have to give 2 to 5 days of buffer time to the bank prior to withdrawal.<\/li>\n<li>You need to inform the bank to make the capital prepayment.<\/li>\n<li>Suitable for fixed income earner \/ employment income.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>Non-Flexi Loan\/ Basic Term Loan:<\/strong><\/p>\n<ul>\n<li>A loan with a fixed repayment schedule and the same monthly instalment throughout the entire repayment period of the loan.<\/li>\n<li>Borrower need to walk into physical bank counter to request the additional payment arrangement.<\/li>\n<li>Banks restrict the borrowers from withdrawing extra funds which may have paid more than the scheduled amount.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>Fixed-rate Loan:<\/strong><\/p>\n<ul>\n<li>The same interest rate for years, no matter what happens to the interest rates in the period.<\/li>\n<li>Less stress as you will be paying the same loan amount every month.<\/li>\n<\/ul>\n<h2><\/h2>\n<h2><strong>STEP BY STEP TO APPLY FOR A PROPERTY\/MORTGAGE LOAN<\/strong><\/h2>\n<style>#sp-ea-4879 .spcollapsing { height: 0; overflow: hidden; transition-property: height;transition-duration: 500ms;}#sp-ea-4879.sp-easy-accordion>.sp-ea-single {margin-bottom: 10px; border: 1px solid #e2e2e2; }#sp-ea-4879.sp-easy-accordion>.sp-ea-single>.ea-header a {color: #444;}#sp-ea-4879.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body {background: #fff; color: #444;}#sp-ea-4879.sp-easy-accordion>.sp-ea-single {background: #eee;}#sp-ea-4879.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon { float: left; color: #444;font-size: 16px;}<\/style><div id=\"sp_easy_accordion-1779989384\"><div id=\"sp-ea-4879\" class=\"sp-ea-one sp-easy-accordion\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\"><div class=\"ea-card ea-expand sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-48790\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse48790\" aria-controls=\"collapse48790\" href=\"#\" aria-expanded=\"true\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-minus\"><\/i> Identify the loan amount and the targeted property<\/a><\/h3><div class=\"sp-collapse spcollapse collapsed show\" id=\"collapse48790\" data-parent=\"#sp-ea-4879\" role=\"region\" aria-labelledby=\"ea-header-48790\"> <div class=\"ea-body\"><p>Before you contact us, you need to identify a loan amount that you wish to obtain and the targeted property you want to buy.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-48791\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse48791\" aria-controls=\"collapse48791\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Document collection<\/a><\/h3><div class=\"sp-collapse spcollapse\" id=\"collapse48791\" data-parent=\"#sp-ea-4879\" role=\"region\" aria-labelledby=\"ea-header-48791\"> <div class=\"ea-body\"><p>MVM collects documents from you to perform credibility check and\u00a0 DSR calculation according to your ideal loan amount.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-48792\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse48792\" aria-controls=\"collapse48792\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Property valuation<\/a><\/h3><div class=\"sp-collapse spcollapse\" id=\"collapse48792\" data-parent=\"#sp-ea-4879\" role=\"region\" aria-labelledby=\"ea-header-48792\"> <div class=\"ea-body\"><p>MVM helps you to do a complete bank valuation for the property you have chosen before we start the loan application.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-48793\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse48793\" aria-controls=\"collapse48793\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Compare and advise for the best property\/mortgage loan packages<\/a><\/h3><div class=\"sp-collapse spcollapse\" id=\"collapse48793\" data-parent=\"#sp-ea-4879\" role=\"region\" aria-labelledby=\"ea-header-48793\"> <div class=\"ea-body\"><p>MVM advises you on the updated information of each bank mortgage package and recommend you the best mortgage package which suits you the most.<\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-48794\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse48794\" aria-controls=\"collapse48794\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Bank approval<\/a><\/h3><div class=\"sp-collapse spcollapse\" id=\"collapse48794\" data-parent=\"#sp-ea-4879\" role=\"region\" aria-labelledby=\"ea-header-48794\"> <div class=\"ea-body\"><p>MVM helps you to submit all applications to the selected banks. We follow up with banks closely and the approval will be out within 7 days.<\/p><\/div><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>\u4ece\u94f6\u884c\u6216\u91d1\u878d\u673a\u6784\u83b7\u5f97\u7684\u7528\u4e8e\u8d2d\u4e70\u623f\u4ea7\u7684\u8d37\u6b3e\u3002<\/p>","protected":false},"author":3,"featured_media":5121,"template":"","class_list":["post-4850","pylon_service","type-pylon_service","status-publish","has-post-thumbnail","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/mvm.mortgage\/zh\/wp-json\/wp\/v2\/pylon_service\/4850","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mvm.mortgage\/zh\/wp-json\/wp\/v2\/pylon_service"}],"about":[{"href":"https:\/\/mvm.mortgage\/zh\/wp-json\/wp\/v2\/types\/pylon_service"}],"author":[{"embeddable":true,"href":"https:\/\/mvm.mortgage\/zh\/wp-json\/wp\/v2\/users\/3"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mvm.mortgage\/zh\/wp-json\/wp\/v2\/media\/5121"}],"wp:attachment":[{"href":"https:\/\/mvm.mortgage\/zh\/wp-json\/wp\/v2\/media?parent=4850"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}