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Fees & Charges

There are always fees but how much are they?

Monthly Fee
RM10.60

Early Settlement Fee


2% x Original Loan Amount x Remaining Months of Lock-in Period/Total
Lock-in Period in Months
All fees & charges are inclusive of 6% GST if applicable

Requirements
Are you eligible for this HSBC home loan?

Minimum annual income


RM48000

Minimum age
21 years old
Maximum age
65 years old
Frequently Asked Questions about HSBC HomeSmart
Things you might want to know

What is HSBC HomeSmart?

HSBC HomeSmart is a fully flexible home loan that allows you to adjust your finances according to
what's most important at any period of your life. Starting a family can be a daunting task, and the
planning never stops.

You'd want a nice home to start, so perhaps paying off your home loan with extra repayments
during the early years would help tremendously. A few years down the road, you'll probably be
introducing a new member to the family, and you'd want to have a cozy home and allocate enough
funds for your child's future.

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HSBC will be able to finance your new purchase (for both under construction and completed
properties) up to 90% of the property value, for up to 35 years.

You can get a loan of up to RM500,000 and pay interest rates as low as 4.50% only. This loan also
comes with an even better deal for Premier Account holders! If you are a Premier Member, take up
a financing of more than RM500,000 on that new home and pay a special interest rate of only
4.45% p.a.

What promotions do I get with HSBC HomeSmart?

Borrow up to RM500,000 and pay interest rates as low as 4.50% p.a.. This HSBC housing loan also
comes with an even better deal for Premier Account holders. Take up financing of more
than RM500,000 on that new home and pay a special interest rate of only 4.45% p.a..

For a limited time until 31 January 2017 you'll also get guaranteed cash back from HSBC when you
sign off on your mortgage:

RM2,000 cash back for loans below RM500,000

RM3,000 cash back for loans below RM750,000

RM4,500 cash back for loans at RM750,000 and above


Can I make advance payments or withdrawals from HSBC HomeSmart?

Yes, you can! HomeSmart provides flexibility to make advance payments, and withdraw these
payments anytime you like. The total amount you're allowed to withdraw will depend on the tenure
and HomeSmart facility limit available. No notice is required, so you can make advance payments
and withdrawals without any additional charges.

You can request for a cheque book and ATM card to help manage your HomeSmart account. Enjoy
convenient banking via ATM, cheque, phone banking and internet banking.

How do I pay for my instalments?

There are a few easy ways that you can pay for your repayments. You can either pay via Interbank
GIRO transfer, HSBC credit deposit machine, or Standing Instruction among other ways.

Here's a useful tip - you can consolidate your money flow by depositing all your income, plus your
bonus and life savings into the HomeSmart current account, making your repayments and excess
payments that much more convenient.

Excess payments is a very useful feature, as you can pay extra on top of your standard installments
to reduce your total tenure and reduce interest payments, while also being able to withdraw those
payments easily for emergencies. Less burden on your wallet, more savings in the bank.

What documents are required?

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A photocopy of identity card or passport

Your latest 3 months' salary slip

Your latest income tax return form (Form B/BE) or EA form or latest EPF statement not
exceeding 12 months old

Sale and Purchase Agreement/deposit or booking receipt/letter of offer from the housing
developer

A photocopy of the land title (if any)

If you are a new salaried employee (at least 3 months in service):

Letter of Appointment or Confirmation letter from employer stating salary/allowances

The latest bank statements dating back six months (compulsory in the absence of salary slips
and/or EA Form) showing salary/payment credited to the account

If you are self-employed:

your business registration documents

latest 6 months bank statements

latest financial statements and other supporting documents to support your income

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Fees & Charges
There are always fees but how much are they?

Late Penalty Fee


1% p.a. on amount past due x (number of days past due/365 days) for term
loan/financing on a monthly basis
Withdrawal Fee
No Fee
Processing Fee
No Fee
Monthly Maintenance Fee
RM10.60

Early Settlement Fee


3% of total original loan/financing amount (the holding period is up to 3
years from date of full drawdown)
Redemption Letter Fee
RM53.00 per request
Letter for EPF Withdrawal Fee
RM10.60 per request
Insurance Types
Mortgage Level Term Assurance (MLTA)

Mortgage Reducing Term Assurance (MRTA)

Houseowner Insurance

All fees & charges are inclusive of 6% GST if applicable

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Requirements
Are you eligible for this Citibank home loan?

Minimum annual income


RM84000

Minimum age
18 years old
Maximum age
70 years old
Who can Apply

Malaysians

Permanent Residents

Foreigners residing in Malaysia with valid working permit

*Other requirements may apply, subject to the Bank's review

Frequently Asked Questions about Citibank Housing Loan


Things you might want to know

Why should I choose Citibank Housing Loan?

Applying online for a home loan is made quick and easy with Citibank
Housing Loan. Starting with low competitive interest rates, up to 89 % margin
of financing for completed and under-construction properties and fast
approval within 10 minutes - you're well on your way from home buyer to
home owner.

Enjoy the flexibility to make larger repayments to bring your outstanding


balance lower and pay less interest, and the option to postpone monthly
instalments until construction is complete by paying just the interest
charges required.

How does Citibank calculate my interest payments?

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The rates on your mortgage with Citibank may change according to the
Base Rate ( BR). Citibank will then calculate on a daily basis the interest
payable, based on the outstanding loan amount.

What are my monthly commitments for this home loan?

Depending on your income, borrowing amount, spending and your


relationship with the bank - such as owning a Citibank credit card or Citigold
account, your Citibank Sales specialist may be able to arrange a better deal
on your interest rate than the published rates.

What insurance can I choose with Housing Loan?

It is highly recommended that you take Mortgage Level Term Assurance


( MLTA) or Group Mortgage Reducing Term Assurance ( MRTA) to reduce the
risk of losing your property due to unforseen circumstances.

Houseowner Insurance is compulsory for this mortgage.

Who can apply for this housing loan?

To apply for this mortgage you must be at least 18 years of age with an
income that is no less than 3 times the monthly instalments to ensure that
you can financially afford to repay this home loan.

Required Documents

Once youve made your decision to apply for the Citibank Housing Loan
you'll need the following documents on hand:

For Salaried Employees:

Copy of NRIC (front and back)

Latest 3 months of your Salary Slips

Latest EPF statement

Sales and Purchase Agreement or Title or Booking Receipt (where


applicable)

For Self-Employed:

Copy of NRIC (front and back)

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Income tax returns - latest BE, B or EA Form (where applicable)

Form 24 and 49 (business registration forms, if applicable)

Bank statements for the last 6 months

Sales and Purchase Agreement or Title or Booking Receipt (where


applicable)

Fees & Charges


There are always fees but how much are they?

Late Penalty Fee


1% p.a. of the outstanding amount
Withdrawal Fee
RM26.50 for each withdrawal
Processing Fee
No Fee
Early Settlement Fee
Subject to terms of agreement with bank
Redemption Letter Fee
RM53.00 per request
Letter for EPF Withdrawal Fee
RM10.60 per request
Insurance Types

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MRTA

All fees & charges are inclusive of 6% GST if applicable

Requirements
Are you eligible for this Maybank home loan?

Minimum annual income


RM24000

Minimum age
25 years old
Maximum age
70 years old
Who can Apply

Any nationality

Frequently Asked Questions about Maybank Maxi Home


Things you might want to know

What do I need to know about Maybank MaxiHome Plus?

MaxiHome Plus is a conventional housing loan with a variable interest rate pegged to the BR. This
home loan option is non-flexible in the sense that you're not able to deposit additional cash and you
can't withdraw any money from the loan.

The finance margin is usually up to 90%. Maybank offers an additional 5% loan for the
consolidation of related expenses, thats a grand way of saying that extra costs, such as term
assurance, legal fees, and evaluation fees, can be added to your total borrowing. Really important to
note that the interest rate is lower if you take up this capitalization option.

You can request for a 90% margin + 5% for MRTA if this is your first home loan. However, the
approval is subject to a bank credit check. Maybank may request for additional security such as
fixed deposits or a guarantor depending on outcome. Best to consult the Bank Loan Officer
personally if you are considering this option.

Why should I choose Maybank MaxiHome Plus?

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Some great things about this mortgage

You can include capitalisation-related expenses like legal fees, property valuation fees,
and MRTA premium into your loan so that you don't need to come up with extra cash to finance
buying a house. The bank even gives you a lower interest rate for this option.

This loan is ideal for properties under-construction as you can choose to: 1. pay nothing during the
construction period, or 2. service the interest portion only during construction, or 3. have the proper
monthly loan repayment start immediately.

Some not so good things about this mortgage

It is a nonflexible housing loan. You cannot pay additional cash to decrease your principal
throughout the loan period, however you can pay advance installments which might help you
manage your budget.

The loan does not offer withdrawal of surplus cash.

Do I need any insurance?

Fire Insurance and Mortgage Reducing Term Assurance ( MRTA) is compulsory. MRTA settles
your outstanding mortgage should anything happen to you. The one-off premium is calculated
based on your age, loan/financing amount, tenure of home loan and interest rate. It can be paid with
cash up front or included in your loan to minimise the initial cash outlay required.

Can a foreigner apply for this mortgage?

Yes, however you must be borrowing more than RM500000.

What documents do I need to apply for this home loan?


If you are an employee earning a salary:

Copy of MyKad (front and back) or latest valid passport & Visa / Work Permit / Employment pass
Last 3 months salary slips or vouchers
Last 6 months commission statement if under commission-base salary
Latest EPF statements with 3 consecutive months or more transaction history
Latest EA (Tax) Form
Last 6 months Bank Statement
Letter of Confirmation of Employment and Remuneration from your employer

If you are self-employed:

Copy of MyKad (front and back) or latest valid passport & Visa / Work Permit / Employment pass
Business Registration Certificate Form 24 and Form 49
Last 3 months bank statements
Latest BE form with income tax receipt

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Fees & Charges
There are always fees but how much are they?
Late Penalty Fee
1% p.a. of the outstanding amount
Processing Fee
Early Settlement Fee
Subject to terms of agreement with issuer
Redemption Letter Fee
RM53.00 per request
Letter for EPF Withdrawal Fee
RM21.20 per request
Insurance Types

MRTA

All fees & charges are inclusive of 6% GST if applicable

Requirements
Are you eligible for this AIA home loan?
Minimum annual income
RM24000
Minimum age
18 years old
Maximum age
70 years old
Who can Apply

Malaysians

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Permanent Residents, Foreigners residing in Malaysia with valid working
permit

Frequently Asked Questions about AIA Fixed Rate Home Loan Package
1
Things you might want to know
What is the AIA Fixed Rate Home Loan Package 1

AIAs offers a conventional term loan mortgage with a fixed interest rate. Because the
interest rate is not pegged to the Base Rate youll be protected against any movements in
the market. If thats the kind of worry which keeps you up at night then thats a good
thing.

Unlike the Package 2, AIA will not be handling for you the various transaction fees such as
legal fees, stamp duty and valuation fees. Looking on the bright side, you are paying less
interest on your monthly installments!

Subject to a credit check and approval AIA will finance up to 90 % of the total value of a
new or refinanced property.

What are my obligations with this home loan?

For a start, youre going to have a mortgage bill to pay every month.

Can I pay extra cash onto my mortgage and reduce my


principal?
Yes, you can. As AIA calculates interest at daily rest youll be saving interest instantly.

Who can apply for this AIA housing loan?


Malaysians & Permanent Residents (Age 18 & Above)
Singaporean & Bruneian Nationals
Foreigners with a valid work permit / registered business in Malaysia / who are married to a
Malaysian
Participants of Malaysia My Second Home Program (documentary evidence / approval from
Malaysia Government under the MM2H program is required prior to loan disbursement)

What documents do I need to present with my home loan


application?
If you are an employee earning a salary

NRIC photocopy
Latest 3 months salary slip
Letter of Employment
Sales & Purchase Agreement/ Booking receipt from developer
Valuation report

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If you are self-employed
NRIC photocopy
Latest 3 months salary slip
Latest 6 months bank statement
From 24 & 49
Sales & Purchase Agreement/ Booking receipt from developer
Valuation report
Copy of the Title Deed

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