Mortgages Loan Guide
IMPORTANT GUIDE
Fiscal WISE is here not only to provide Comprehensive Information on all loans available in the country but also assist you in choosing the right home loan that SUITS YOUR NEEDS.
It's not just about Interest Rates...
Here are some of important considerations when selecting your home loans. It is NOT just about interest rates:-
| - | How will you be affected if interest rates were to increase? Consider NOT only your ability to repay the higher repayment BUT also how your FUTURE NEEDS may be compromised; Choose a fixed rate loan |
| - | If you were to use all or most of your cash in reducing the home loan, are you likely to end up totally/somewhat "asset rich cash poor"? Ask yourself whether you want a home loan that allows you to redraw (re-use) the Additional Repayments or even re-use ALL that you have paid towards the loan? |
| - | You may be a property investor that may wish to sell-off the property quickly. Alternatively, you may be in the process of selling one or some properties to repay the current loan. Then a Low Lock-In Period is what you need. |
| - | Perhaps you are a High Net-Worth individual who prefers not to draw high monthly income. You should be applying to banks that understand your specific needs. |
| - | Cash-flow Friendly loans are for those who understand how to use credit properly, who have your own business and require "stand-by" credit facilities. The last thing you need is to have your money locked up as bricks in your properties. |
| - | You may be a foreigner/expatriate visiting Malaysia, or working in Malaysia. Some loans are more foreigner-friendly than others. |
| - | Perhaps you are looking to buy/refinance properties you have overseas in Australia, NZ, UK, etc. Ask us about loans that you may take to buy properties overseas... and wish to take a loan in a specific currency |
| - | Need a specific loan tailored to your specific needs? It is surprising how many wealthy people do not get the banks to compete for your business. A bank that you have yet to do business with may want your account badly enough to give you a knock-out deal. |
| - | What about Interest Only Repayments? You decide when and how much to pay towards the principal. |
Let WISE get you a home loan that BEST SUITS YOU.
And best of all?
YOU PAY US NOTHING!
Choice Of Loan Packages (Comparisons At Your Finger-Tips)
With so many loan packages being offered by Banks and Financial Institutions, how do you know which one suits you best? Comparing loans is complex, the interest rate offered is only part of the story... What about the length of any lock in period? Any penalties for early repayment? Can you elect to pay intest only from the start? Fees? Fixed rate?
The user-friendly WISE Loan Wizard lets you have the top loan packages of various categories from most of the loan packages available in the country, that best meet your requirements saving you precious time and money. Just click on the loan package category and submit a request for loan application online. We don't just compare interest rates when recommending loans; we look at all aspects of each loan, then compare these with your personal circumstances, to make sure you get the right loan, for you.
You already got a Home Loan
Whether you are looking for a first home loan, new home loan, or you are looking to refinance your mortgage, we can help you. Use the Refinance Calculator to see how much you can save immediately. Select from a wide range of loan packages , some even with zero moving costs, save thousands of dollars without effort.
Refinancing is a simple method of not only lowering your monthly repayments but also a great way of unlocking cash trapped within your home equity (value of your house less the loan amount still owing) for investments, renovations or even to pay off a high interest debt.
Other Requirements
For all other requirements, you may use the full range of Financial Tools that are provided or call our Consultants for quotes on moving costs, insurance packages, bank deals and other financial products and services.
Our Consultants are ready to help you. ""
| "WISE service is good & fast... It's convenient especially for those who are from overseas..." |
| Claire Seah, Hong Kong |