ZADC
Could interest rate hikes lead to price adjustments?
PRICES HAVE TO COME DOWN IN ORDER TO AVOID SOURING INTEREST IN THE PROPERTY MARKET   While Bank Negara Malaysia’s move to raise interest rates is largely seen as unavoidable and necessary by most economists, there is also serious concern about how this may impact the property sector. Currently,... Read more
Does Budget 2018 reflect our 2020 goals?
 PEPS WEIGHS IN ON THE GOOD, THE BAD AND THE UGLY… For those who are not in the know, “PEPS” is the very succinct abbreviation of the elaborately-named Association of Valuers, Property Managers, Estate Agents and Property Consultants in the Private Sector, Malaysia (or, in Bahasa Malaysia, Persatuan Penilai,... Read more
Take advantage of PR1MA homes special end-financing
(BUT… WARNING: NOTE THE FINE PRINT AT THE END) Despite being officially announced early in the year, there are many who are still unaware of the special end-financing schemes for PR1MA homeowners being offered by four major banks: Malayan Banking Bhd, CIMB Bank Bhd, RHB Bank Bhd and AMMB... Read more
SP Setia offers to SEAL the deal with new loan scheme
Property big-gun SP Setia Bhd has launched a new differential sum loan scheme it says will help buyers secure sufficient financing while enjoying low interest rates and a flexi repayment tenure. Unveiled today, the company said its Setia Express Advance Loan (SEAL) scheme addresses the needs of many prospective... Read more
Understanding the principles of Islamic financing
It is a widely known fact that Malaysia has one of the most advanced Islamic Finance industries in the world. Since its initial introduction more than a decade ago, Islamic financing products have evolved and matured to be comparable and just as competitive as other conventional loan packages. However,... Read more
HD: PR1MA expands reach to more buyers
Two key policy changes have been announced by Prime Minister Datuk Seri Najib Razak that will enable greater participation of the 1Malaysia People’s Housing (PR1MA) programme. The two changes to the PR1MA policy were raising the eligibility level for households from an income level of RM10,000 to RM15,000, and... Read more
Can Malaysians living overseas apply for a local loan?
The answer to that question is a resounding “Yes”, and the good news is that it’s not as complicated as it seems. Just run through this series of questions and answers with us and you’ll be an expert on the topic in no time. How do overseas Malaysians differ... Read more
Applying for a loan if you are self employed
A self-employed person, be it a freelancer, a consultant or artist, faces challenges in obtaining a home loan due to the fluctuating nature of their income sources. This article highlights some useful tips, which a self employed person can implement to successfully secure a bank loans. While you may... Read more
BNM: Responsible guidelines ensure affordability
BY Chris Prasad Heated debate about developers being licensed to offer money lending facilities over the past weeks has resurrected fresh criticism about banking institutions and the current environment of tough lending guidelines. Arguments on both sides of the fence regarding developer loans have brought up Bank Negara Malaysia’s (BNM)... Read more
Industry pleads with banks to ‘ease up’
BY Chris Prasad The plea for financial institutions to ease up on their current stringent housing loan application process and low approval rate is getting louder and louder, especially among industry professionals who say the prolonged tough loan climate is becoming detrimental to the property sector and the economy... Read more