Introduction about house loan

Start Rate: Is the starting rate of an adjustable loan. Often called a "teaser, it generally lasts between one and twelve months, at which time the loan rate increases based on prearranged criteria. Down Pmt: Or "down payment," is the percentage of the property's value required to be paid in cash prior to loan closing. Points: Are a one-time fee paid to the lender at the time the loans closes. Each point is equal to I percent of the loan balance. Lock: Refers to the number of days that the lender guarantees the loan's rates 1 terms. Maximum $ Amount: Is the maximum amount lender will loan under given terms. APR: (Annual percentage rate) is a measure of the total cost of the loan, expressed as a yearly percentage rate. All APR's are calculated by the lenders themselves. Margin: Is used to calculate the loan's monthly interest rate. Margin + Index = new rate when the loan adjusts. Index: Is the basis for setting an adjustable rate. IID=11'h Dist. Cost of funds; ITS=]-Year Treasury bill average CMT,- 6TB=6-month Treasury bill average; ITA=12-month Treasury bill average. (monthly, 12-month moving average); 6LB=6month LIBOR; PRI=prime rate (Wall Street Journal). Init. Adj.: Is the period that the start rate is in effect. IM=I-month; 3M=3-months; 6M=6- months; IY=I-year. Reg. Adj.: Is the period between re-aular adjustments. IM=I-Month; 3M=3-months; 6M=6- months; IY=I-year. CAPS: Controls the amount of change in the rate when it adjusts. The first number is the

maximum increase allowed for one adjustment period,- the second is the total increase allowed over the life of the loan.

Introduction about car loan

Car Loans are designed for those who wish to finance a car for personal use. Some General Features of Car Loans A car loan can give you immediate use of the car of your choice in exchange for regular payments over an agreed period of time. Some general features of car loans are detailed below. Not all car loans contain these features. Before making any decisions on the features you want, make sure your financier offers them. All the features and benefits detailed below are available through this site.

Payments can be structured to suit your requirements. Registration costs, On Road Costs, Loan Insurance & Comprehensive Vehicle insurance may be able to be financed on the loan contract. Terms normally range from 12 months to 5 years. You may be able to elect to make monthly or fortnightly repayments. A deposit may not be required, however should you wish to make one you will benefit from either lower repayments or a shorter term.

Benefits to you:

If you also use your car for business purposes you may be able to claim part of the interest and depreciation charges as expenses against your taxable income. Payments may be able to be made by direct debit from your nominated bank account. You may build up equity in the asset. Fixed payments for the term of the agreement allow for more accurate budgeting and protect you against interest rate fluctuations.

The differences between a car loan and house loan

House loan Lend until up to 60 years Interest will be charge according to the loans balance Included the life insurance 90 % from the original price

Aspect Maximum period

Car loan 9 years

Interest

Constant

Insurance The limit of the money that we can loan The ability of interest from the government (Base Lending Rate) BLR

Not included

85% from the original price

Depends to the Bank Negara

Types of bank loan

1. Maybank 2. HSBC 3. Bank Islam 4. Am Bank

Hong Leong Car Loan Features n benefit

Speedy Approval 24 hour approval upon submission of your application with all the necessary documents. Highly Competitive Rates Competitive rates quoted will help lighten your repayment burden. Worry-free Repayment Convenient payment options, conducted via: Online Banking Interbank GIRO (MEPS IBG) Automated Teller Machine (ATM) Cash Deposit Machine (CDM) Cheque Deposit Machine (CDM) Hong Leong Bank branch Standing Instruction facility Supportive Services for Customer Convenience Our insurance and road tax renewal services relief the hassle of customers having to go to Road Transport Dept (JPJ).

Terms
We offer Car Loans for the following segments: Passenger Cars, MPVs & 4x4 vehicles Vans 4 x 4 Commercial Pick-ups Other Commericial vehicles Passenger Cars, MPVs & 4x4 vehicles Age of vehicle New Vehicles Up to 5 years old Used Vehicles 6 to 10 years old 11 to 12 years old Loan Margin Up to 90% Up to 90% Up to 85% Up to 75% Maximum Loan Duration Up to 108 months Up to 108 months Up to 84 months Up to 84 months

Vans Goods carrying vans with GVW / BDM up to 2540kg Passenger carrying & Private registered vans Maximum Loan Duration Up to 108 months Up to 84 months Up to 72

Age of vehicle New Vans Up to 5 years old 6 to 8 years

Loan Margin Up to 90% Up to 80% Up to

Used Vans

old 4x4 Commercial Pick-ups Age of vehicle New Vans Up to 5 years old Used Vans 6 to 8 years old

75%

months

Loan Margin Up to 90% Up to 80% Up to 75%

Maximum Loan Duration Up to 108 months Up to 84 months Up to 72 months

Other Commercial Vehicles Goods carrying vans above 2540kg and up to 5000kg Pick-ups and lorries of up to 5000kg. Maximum Loan Duration Up to 60 months Up to 36 months

Age of vehicle New Vehicles Used Vehicles Up to 3 years old

Loan Margin Up to 80% Up to 70%

For Loan terms of other vehicles, kindly refer to our nearest branch, or contact Hong Leong Call Centre at 1-800-38-8888

Note: 1. Conditions apply 2. Terms subject to change without notice

Hong Leong Housing Loan Features n benefits

Attractive Loan Package Our loan package is designed to help you realise your dream without the hassles. Talk to us and find out how much more you can get with Hong Leong Housing Loan.

Extra Margin for MDTA Financing Mortgage Decreasing Term Assurance is a term life insurance that covers death and total permanent disability. It is an added financial protection for your family and you. With MDTA financing, you will only need to pay a slight increase on your monthly loan installment to enjoy this benefit.

Hassle-Free Application You can submit your application through any branch, or our friendly sales personnel can visit you at your home or office to assist you.

Flexible Repayment Options of a term loan or a combination of term loan and overdraft facility to suit your financial needs. Payment can now be conducted via:Online Banking Interbank GIRO (MEPS IBG) Automated Teller Machine (ATM) Cash Deposit Machine (CDM) Cheque Deposit Machine (CQM) Hong Leong Bank Brannce Standing Instruction Facility

Free Credit Card Receive a Hong Leong Credit Card with annual fee waived for the 1st two years!

Terms

Property

Loan Package 1 - For under construction properties - For Stage of Completion Lower than 30% Up to 90% + 5% (MDTA Financing) 30 years / upon reaching age 65 Term Loan (RM100,000 to <RM400,000) Year 1: 0% p.a. (with MDTA) or 1.00% p.a. (without MDTA) Year 2: BLR - 1.00% p.a. Thereafter: BLR - 0.50% p.a. Overdraft: BLR + 0.38% p.a.

Margin Duration Interest Rate

** Terms & Conditions apply

Property

Loan Package 2 - For under construction properties - For Stage of Completion Lower than 30% Up to 90% + 5% (MDTA Financing) 30 years / upon reaching age 65 Term Loan (RM400,000 and above) Year 1: 0% p.a. (with MDTA) or 1.00% p.a. (without MDTA)

Margin Duration Interest Rate

Year 2: BLR - 1.25% p.a. Thereafter: BLR - 0.75% p.a. Overdraft: BLR + 0.38% p.a. ** Terms & Conditions apply

Property Margin Duration Interest Rate

Loan Package 3 (Zero Cost) - For completed/under construction properties Up to 90% + 5% (MDTA Financing) 30 years / upon reaching age 65 For Term Loan RM100,000 to <RM500,000 BLR - 1.38% p.a. (with MDTA) or BLR - 1.28% p.a. (without MDTA) Whole loan tenure For Term Loan RM500,000 and above BLR - 1.45% p.a. (with MDTA) or BLR - 1.35% p.a. (without MDTA) Whole loan tenure Overdraft: BLR + 0.38% p.a.

** Terms & Conditions apply

Property Margin Duration Interest Rate

Loan Package 4 - For completed/under construction properties Up to 90% + 5% (MDTA Financing) 30 years / upon reaching age 65 Term Loan (RM100,000 to <RM500,000) BLR - 1.50% p.a. (with MDTA) or BLR - 1.40% p.a. (without MDTA) Whole loan tenure Term Loan (RM500,000 and above) BLR - 1.55% p.a. (with MDTA) or BLR - 1.45% p.a. (without MDTA) Whole loan tenure Overdraft: BLR + 0.38% p.a.

** Terms & Conditions apply Other benefits No legal fee for loan No disbursement charge No stamp duty No discharge of charge No valuation fee No processing fee

Maybank car n house loan.

Loans Loans Maxi-Home Loan Auto Loan Salary Loan

Maxi-Home Loan It's the housing loan you'll feel right at home with! The Maybank Maxi Home offers competitive rates and flexible terms as high as 70% of the appraised value of the property you plan to purchase or on your current residence, for further home improvements. Plus: Refinance existing loan from other banks If you already have a housing loan with another bank, you can transfer it to Maybank and use any excess amount for your personal needs - anything from funding your child's education to financing a much-needed vacation. Re-avail paid portion of loan After 5 years, you have the option of redrawing the paid portion of the loan for any purpose. Receive high appraisal The amount of the loan is based on the prevailing market value of the property. Sample of Monthly Payment Schedule: Loan Amount Term (Years) Monthly Repayment P400, 000 5 P8,697 10 P5,510 15 P4,547 20 P4,129 P1.0 M 5 P21,743 10 P13,775 15 P11,366 20 P10,322 Required Income P39,989 P18,367 P15,155 P13,763 P72,475 P45,917 P37,887 P34,407

Auto Loan Get the prized car of your dreams through Maybank's Auto Loan. The loan is available for popular models of passenger cars, vans, pick-ups and sports utility vehicles at retail prices ranging from minimum Php500,000 upwards. And there is more: High loan margin Minimum of Php150,000 to as much as 70% of the net cash price of the vehicle of your choice One of the lowest and most affordable installment rates Affordable monthly repayments no more than 30% of your net disposable income Easy payment plan Choose from 12, 24, 36 and 48-month installments, payable by postdated check or through direct debit from your Maybank deposit account Comprehensive insurance available For added convenience, Maybank has linked up with a reputable insurance company. Therefore, instead of dealing with the bank and an insurance company, you only deal with Maybank.

Standard charted bank

Term home Loan

You seek a fuss free, hassle free home loan Looking for a home loan that suits your salary scale? Seek the convenience of paying an agreed upon amount every month? At Standard Chartered, you can expect to enjoy all these and more! We offer the control and convenience in our Term Loan With Standard Chartered, you enjoy a term loan that makes it easy for any salary earner to own their dream home. You enjoy the control of paying an agreed upon sum every month which gives you the control over your other financial and personal commitments. How our Term Loan works for you Your benefits Term loan is suitable for the salary earners.

 Convenience of paying an agreed upon amount every month until the loan is fully repaid. Term Loan Fixed Up to 30 years or 65 years old, whichever is earlier Up to 90%

LinkOne Monthly Instalment Mode

MOA

JustHome-i

Fixed

Flexible

Fixed

Up to 30 Up to 30 years or years or Maximum 65 years 65 years Tenure old, old, whichever whichever is earlier is earlier Margin of finance of loan amount Eligibility Up to 90% Up to 90%

Up to 30 years or 65 years old, whichever is earlier

Up to 90%

Repayment amount within 40% of monthly salary

The monthly payment is subject to the loan's terms and conditions. Other terms and conditions apply.