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To be truly effective as a money lender adviser we here at HELOAN believe it is important to offer a wide range of services and solutions. We are here to help people with their financing needs, whether they are personal, business or commercial loan. We believe that every financing need that is solved helps someone get ahead and achieve their life goals. HELOAN LOAN SOLUTIONS
 MORTGAGE LOAN Mortgage Loan means the borrower to a certain degree of collateral materials to ensure the loan to the lenders. It is a kind of bank lending capitalist form of collateral usually consists of securities, a variety of stocks, real estate,transport, as well as the goods bill of lading, gold,watchess or other documentation to prove ownership of the items. Loan maturity, the borrower must be shown with the return, otherwise the lenders have the right processor collateral, as a kind of compensation. Many people plan to refinance such loans as a complementary way,because it's a lowest interest loan in the market. Using this mortgage loans to customers that the period of time the interest rate will not rise. HOW HELOAN WORKS
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Tuesday, November 16, 2010
heloan.com.my services
The RHB Personal Financing
The RHB Personal Financing
Effective relief for any financial headache
Overview
Get RHB Personal Financing for an ideal lifestyle! For as low as RM57.54* per month, get RM2,000 and more! Sign up now to enjoy these key benefits:
- Repayment period from 1 to 5 years
- Financing amount from RM2,000 to RM150,000
- Financing amount capping and Interest Rates as below
Affordable monthly instalment
*The rates stated above are based on a flat rate and vary according to the repayment period from 12 months onwards.The actual rate charged however will be calculated on a monthly reducing balance rate.
(effective interest rate or in short EIR).
Tier 1: from 13.45%p.a. flat that is equivalent to EIR 24% p.a;
Tier 2 from 11.66% p.a. flat that is equivalent to EIR 21% p.a.;
Tier 3: from 9.91% p.a. flat that is equivalent to EIR 18% p.a.;
Tier 4: from 8.18% p.a. flat that is equivalent to EIR 15% p.a.
The EIR rate may be higher if the monthly payment is not reqular.
Personal Loan - Citibank Installment Loan
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| Click here to see how. |
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| *Terms and conditions apply. Citibank Installment Loan is open only to existing Citibank customers with at least 1 existing credit facility (Credit Cards/Home Loan). Citibank reserves the right to request for additional documentation where deemed necessary. Loan approval and interest rate is subject to credit review. **Calculation is based on a RM5,000 loan amount. Effective Interest Rate is 14.95% p.a. (5-year tenure). Flat interest rate is 8.52% p.a. ***Promotion terms and conditions apply. | ||||||||||||||||||
| Fees & Charges | ||||||||||||||||||
| Citibank Surprising Windfall Campaign Terms & Conditions | ||||||||||||||||||
| Citibank Installment Loan Terms & Conditions |
Monday, November 15, 2010
hsbc Personal Financing-i
Anytime Money Personal Financing-i
Anytime Money - Anytime You Need It
There are times when you need funds immediately. To secure an opportunity, fulfil a need in your lifestyle or maybe to handle life's little twists and turns.
Anytime Money Personal Financing-i is hassle-free personal financing that allows you to leap into what you want, faster and easier.
This is right for you if you want...
- Financing up to RM120,000*
- Monthly payment as low as RM163**
- Flat rate from 10.5% pa
- Payment period up to five years
- Instant cash disbursement into your account with HSBC Amanah or HSBC upon approval
^ Based on Shariah principle of Bai Al-Inah
*Terms and conditions apply.
**Based on a financing tenure of 5 years for RM6,000
Fast and hassle-free application
- No guarantor
- No collateral
- Fast approval
Note: The above does not constitute an offer of credit. All applications are subject to credit evaluation.
Requirements
You’re eligible for an Anytime Money Personal Financing-i Account if...
- You’re aged between 21 and 55
- Your monthly salary is RM2,000 or above
- You are Malaysian or have Malaysian PR status
What documents do I require?
If you are salaried –
- Copy of your NRIC.
- Copy of a current or previous month’s pay slip / copy of a Bank Statement showing salary credit into your account;
or
Form BE (full submission to the income tax department with payment receipts attached) / EPF statement;
or
Copy of an Appointment letter (if employed less than three months).
If you are a variable income earner –
- Copy of your NRIC
- Copy of the latest three months’ pay slips / copy of your Bank Statement showing salary credits into the account.
- Form BE (full submission to the income tax department with payment receipts attached) / EPF statement / copy of your yearly commission statements from your employer.
If you are self-employed –
- Copy of your NRIC.
- Copy of latest Form B (full submission to the income tax department with payment receipts, or CPO2 attached) / EPF Statement / copy of your audited financial statement / Profit and Loss account.
- Copy of your Business Registration form.
What’s the monthly payment?
Monthly Payment Schedule excluding Takaful Contribution
| Financing Amount+ |
|
|
| Monthly Payment | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
|
|
| 2 years |
|
|
|
| 3 years |
|
|
| 4 years |
|
|
| 5 years | |
| RM 6,000 |
|
|
| RM 313 |
|
|
|
| RM 230 |
|
|
| RM 188 |
|
|
| RM 163 |
| RM 10,000 |
|
|
| RM 521 |
|
|
|
| RM 382 |
|
|
| RM 313 |
|
|
| RM 271 |
| RM 20,000 |
|
|
| RM 1,025 |
|
|
|
| RM 748 |
|
|
| RM 609 |
|
|
| RM 525 |
| RM 30,000 |
|
|
| RM 1,538 |
|
|
|
| RM 1,121 |
|
|
| RM 913 |
|
|
| RM 788 |
| RM 40,000 |
|
|
| RM 2,050 |
|
|
|
| RM 1,495 |
|
|
| RM 1,217 |
|
|
| RM 1,050 |
| RM 50,000 |
|
|
| RM 2,521 |
|
|
|
| RM 1,827 |
|
|
| RM 1,480 |
|
|
| RM 1,271 |
| RM 60,000 |
|
|
| RM 3,025 |
|
|
|
| RM 2,192 |
|
|
| RM 1,775 |
|
|
| RM 1,525 |
| RM 70,000 |
|
|
| RM 3,530 |
|
|
|
| RM 2,557 |
|
|
| RM 2,071 |
|
|
| RM 1,780 |
| RM 80,000 |
|
|
| RM 4,034 |
|
|
|
| RM 2,923 |
|
|
| RM 2,367 |
|
|
| RM 2,034 |
| RM 90,000 |
|
|
| RM 4,538 |
|
|
|
| RM 3,288 |
|
|
| RM 2,663 |
|
|
| RM 2,288 |
| RM 100,000 |
|
|
| RM 5,042 |
|
|
|
| RM 3,653 |
|
|
| RM 2,959 |
|
|
| RM 2,542 |
| RM 120,000 |
|
|
| RM 6,050 |
|
|
|
| RM 4,384 |
|
|
| RM 3,550 |
|
|
| RM 3,050 |
Monthly Payment Schedule including Takaful Contribution
| Financing Amount+ | Monthly Payment | |||
|---|---|---|---|---|
| 2 years | 3 years | 4 years | 5 years | |
|
+Figures are rounded up to closest RM. The monthly Payment Amount with Takaful is subject to the age of the Covered Participant and may differ from the above figures. The age used in the illustration above is for customers within the range of 20-35 years. | ||||
| RM 6,000 | RM 326 | RM 239 | RM 195 | RM 169 |
| RM 10,000 | RM 534 | RM 392 | RM 320 | RM 278 |
| RM 20,000 | RM 1,038 | RM 757 | RM 616 | RM 532 |
| RM 30,000 | RM 1,550 | RM 1,130 | RM 921 | RM 797 |
| RM 40,000 | RM 2,063 | RM 1,506 | RM 1,228 | RM 1,063 |
| RM 50,000 | RM 2,536 | RM 1,840 | RM 1,493 | RM 1,287 |
| RM 60,000 | RM 3,043 | RM 2,209 | RM 1,792 | RM 1,544 |
| RM 70,000 | RM 3,550 | RM 2,577 | RM 2,091 | RM 1,801 |
| RM 80,000 | RM 4,057 | RM 2,945 | RM 2,389 | RM 2,059 |
| RM 90,000 | RM 4,565 | RM 3,313 | RM 2,688 | RM 2,316 |
| RM 100,000 | RM 5,072 | RM 3,681 | RM 2,987 | RM 2,573 |
| RM 120,000 | RM 6,087 | RM 4,418 | RM 3,584 | RM 3,089 |
| Financing Amount** | Fixed Flat Rate Per Annum*** | |||
|---|---|---|---|---|
|
** For the purpose of determining the flat rate per annum applicable to the Financing Amount, the computation of the Financing Amount will exclude the Takaful Contribution. *** Rates offered are effective from 2 November 2009 and are subject to change from time to time and is granted at the absolute discretion of the Bank. | ||||
House Financing Facility With Maximum Loan to Value 70%”
Hi Everyone,
We are receiving tremendous request to explain in details for the new ruling “3rd House Financing Facility With Maximum Loan to Value 70%” .We would like to clear the air with the chaos in the housing loan sector. Here, we provide simple example for this new ruling.
These simple conditions apply:
1) Banks will refer to CCRIS report.
What is CCRIS?
CCRIS is a Bank Negara Malaysia (BNM) sponsored system that supports the functions of the Credit Bureau (CB)
What is CREDIT BUREAU (CB)?
Credit Bureau is a unit established by BNM to collect credit information on borrowers from financial institutions and supplies the information back to financial institutions.
The Credit Bureau does not collect any information on deposits or the investment portfolio of any individual or corporation.
2) Bank will only refer to existing home loan or payslip (for government staff). Bank will not base on Sales and Purchase agreement or ownership of the property.
Example 1 :
Mr A has 3 existing home loan with few banks.
Ms B has only 1 existing home loan with bank.
Now, Mr A would like to purchase a new house with Ms B. Sales and Purchase agreement under Mr. A and Ms B.
Scenario 1:
With an assumption, the new home loan under Mr. A name. The home loan entitlement will be up to margin 70% only. Because, this is Mr A’s 4th home loan.
Scenario 2:
With an assumption, new home loan under Ms B name only. The home loan entitlement will be up to margin 90%. Because, this is Ms B’s 2nd home loan.
Scenario 3 :
With an assumption, new home loan under Mr A and Ms B name. The home loan entitlement will be up to margin 70%. Because, this is Mr A’s 4th home loan.
Example 2:
Mr A has 2 existing home loans with bank. Recently, he sold one of the houses, Sales and Purchase agreement signed. CCRIS still appear this home loan.
Today, Mr A purchased a new house.
If he applied a home loan for the new house, what is the entitlement?
Answer: Up to 70%. Because, it is consider 3rd home loan. His existing home loan still appears in CCRIS report.
If the home loan no longer appears in CCRIS, then his entitlement for home loan will be 90%.
Example 3:
Mr. A don’t have any property under his name. Basically, he didn’t own any house. But, he has 2 home loans co-joining with his sister and brother. He joined as a co-borrower because both of his brother and sister do not have sufficient income at that moment.
Now, he interested to purchase first house under his name and apply a home loan. What is his entitlement?
Answer : Up to 70%. Since, the new home loan will be 3rd home loan.
Example 4:
Mr A has 10 houses around Malaysia. All houses are fully paid or buying with cash. Now, he is purchasing a new house and would like to apply for a home loan. What is his entitlement?
Answer: Up to 90%.
*Checked with Ms Norhana from Bank Negara Malaysia ( 1-300-88-5465 )For more home loan information, please free to contact us
Thank you.
Tags: 3rd home loan, 3rd house, 3rd housing loan, 70% home loan, 70% housing loan, 70% loan, HOME LOAN, home loan calculator, housing loan, loan, loan up to 70%, LTV 70%, LTV ratio, LTV Ratio 70%, malaysia home loan, malaysia housing loan, Tags: 3rd home, third home, third home financing, third home loan, third house, third house financing, third housing loan
standard chartered islamic banking
Standard Chartered Saadiq Berhad
Our new Islamic Bank
Everyone has a vision of the future, one marked by progress and innovation. But every dream can only soar if it’s built upon the values you cherish the most. To help realise your dreams, Standard Chartered Group is proud to launch a new chapter in our bank’s history – Standard Chartered Saadiq Berhad, our new Islamic Bank, on 12 November 2008.
Islamic banking is a rapidly growing phenomenon in the global financial markets as it answers the call of discerning Muslims who seek a banking system that conforms to their religious tenets. Because of this, a number of banks worldwide offer products and services that are Syariah (Islamic Law) compliant. At Standard Chartered Saadiq Berhad ("Saadiq" which means "truthful"), a team of qualified professionals design and structure our Standard Chartered Saadiq products and services to ensure that they are in line with Syariah principles governing Islamic banking and finance. In addition, to ensure conformity of all products with the tenets of Syariah the Bank has an independent Syariah Supervisory Committee comprising a team of professional managers who are guided by respected Syariah scholars both locally and abroad.
Standard Chartered was the first international bank in Malaysia to offer Islamic banking products in 1992. With a footprint in over 70 countries, we are committed to bringing you world-class Islamic solutions for all your financial needs.
Do visit our first state-of-the-art Standard Chartered Saadiq Financial Centre, equipped with revolutionary iTable and eKiosk facilities that provide easy access to your wealth, and an eco friendly interior design that promises a relaxing banking experience. Our financial centre is located at Taman Tun Dr. Ismail.
50, 52, 54 Jalan Burhanuddin Helmi,
Taman Tun Dr. Ismail
60000 Kuala Lumpur.
Standard Chartered Saadiq Berhad offers a wide range of tailor-made Syariah compliant products, available to all our individual customers regardless of their religion and race:
Personal Banking |
SME Banking |
Wholesale Banking |
For more information, call 03-7711 8888 and we will be happy to show you how it can work for you. Or you could click on the links below.
standardchartered.com.my
CashOne - Malaysia's first personal loan that works together with a Platinum Credit Card
Finally, a personal loan that offers you financial flexibility, whenever you need it. Every time you make your monthly loan repayment, the paid principal amount will automatically be converted into a credit card limit for you to spend.
What's more, you'll enjoy up to RM350* CashBack every year just for making timely loan repayments.
Share your loan amount with your credit card limit
With CashOne, your monthly loan repayment will automatically be converted into credit card limit. You also have the freedom to top-up your loan anytime by converting your available credit card limit back to your loan.
How does it work?
Let's say Mr. Chan takes up a personal loan of RM25,000 with CashOne and 6 months later, he has paid RM15,000 worth of loan repayments. The paid amount will automatically be converted into credit card limit, this means that Mr. Chan now has a credit limit of RM15,000 on his Standard Chartered Platinum Credit Card and RM10,000 outstanding loan amount.
In the following week, Mr. Chan decides to top-up his loan by RM10,000 to pay for his home renovation. His Credit Card limit will then be automatically set to RM5,000, leaving Mr. Chan with a new loan balance of RM20,000.
CashBack for timely loan repayments
Be rewarded with up to RM350* CashBack annually throughout your loan tenor just by making timely loan repayments.
*CashBack is payable on a yearly basis and the amount awarded is based on the loan amount.
Low interest rates
Enjoy attractive and affordable interest rates from as low as 0.63% p.m. depending on your loan amount and tenor. With a monthly loan repayment amount starting from RM304.20 per month#.
#Based on loan amount of RM10,000 for a 5-year tenor.
Annual Fee waiver on your Standard Chartered Platinum Credit Card
Get 5 years annual fee waiver on your Standard Chartered Platinum Credit Card. Now you can enjoy an abundance of shopping and dining rewards plus exclusive Platinum privileges.
Top-up your loan without the hassle of re-applying
Now you can get extra cash deposited into your account without the hassle of re-applying when you need it. All it takes is just a phone call. You'll also get your cash within 48 hours.
Terms and conditions apply. For full product terms and conditions, click here.
For more information about Standard Chartered's loan products:
 | Call us direct at 1300 880 388 |
 | Provide your details and we will get in touch with you |
 | Locate a branch near you |
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