SlideShare ist ein Scribd-Unternehmen logo
1 von 27
My Achievements
35 Years
with
Fixed Rate Housing Loan
3 IN 1 coffee
AIA FIXED RATE 3 IN 1
Which is better…
Fixed Rate
BLR-based Loan?
Or
Azizi Ali
Millionaire Coach
Q Should I take
a fixed or BLR loan?
Azizi Ali
Millionaire Coach
‘Take a fixed interest rate
mortgage as no one knows what
the interest rate will be
in 5 years
let alone 35 years!’
fluctuating interest rates
BLR LOAN
No financial
Control
WorriesStress
HISTORICAL BLR
& AVERAGE LENDING RATES IN MALAYSIA
AVERAGE LENDING RATES
Over last 5 years = 5.82%
Over last 10 years = 6.11%
Over last 15 years = 7.34%
Over last 20 years = 7.85%
Over last 30 years = 8.69%
Source : BNM Website
ANALYSIS OF LENDING RATE
(source: Bank Negara Website)
12
Average BLR for 32 years : 7.88%
Average Lending Rate for 32 years : 8.83%
AIA HOMELOAN AT 4.85%
4
5
6
7
8
9
10
11
12
13
14
1980
1982
1984
1986
1988
1990
1992
1994
1996
1998
2000
2002
2004
2006
2008
2010
YEAR
AIA FIXED AT 4.85%
11.51
6.72
10.33
8.24
6.83
11.51
10.33
6.6
6.99
8.70
12.80
12.25
6.41
5.06
ANALYSIS OF LENDING RATE
(source: Bank Negara Website)
13
0
2
4
6
8
10
12
14
1984 1992 1998 2006 2013
BLR 12.8 10.51 11.51 6.72 6.6
AIA HOMELOAN 4.85 4.85 4.85 4.85 4.25
AIA FIXED
AT 4.85%
No Such Thing As
A “Fixed” BLR Package
Important Note:
1)Banks can change and
increase at its SOLE
DISCRETION…BLR, interest
margin/spread.
2)Borrowers can do NOTHING to
control this situation.
3)BLR can affect borrowers
financially as home loans are the
biggest liability
The Bank has the right to vary the
loan pricing i.e. the interest spread
and/or BLR..
IN THE NEWS
15
Article – Star Biz 24th March 2011
“..borrowers would also be
stressed-tested in the event
interest rates were to rise by 100
to 200 basis points from the time
the loan is applied..”
Meaning:
BORROWERS SHOULD BE
PREPARED IF THEY ARE ABLE
TO AFFORD A FURTHER RATE
HIKE OF 1% TO 2%.
Since 2010, the BLR has increased
4 times and gone up by a total
of 1.05%p.a
BLR has increased
From 5.55% to 6.6%
Interest Rate Instalment Interest Principal
BLR: 5.55%
BLR: 6.6%
IMPACT ON
RISING INTEREST BLR
17
RM500,000 loan
BLR 5.55% p.a. 30 years.
5.55%
6.6%
RM2,855
RM2,313
RM2,750
(+ RM 437)
RM 542
RM105
( - RM 437)
A 1% increase in BLR could increase
your loan instalment by 11%?
Your loan tenure could be extended by a
further 10 years if your
instalment remains the same ~ for a loan of
M500k & 30 years tenure.
IMPACT ON
RISING INTEREST BLR
AIA HOME LOAN SOLUTION
• Loan extension of 10 years
• Amount paid : 10 years x 12 x Rm2855
= RM342,600
Article from the Star paper 18-7-2013
By INTAN FARHANA ZAINUL | intanzainul@thestar.com.my
Standard Chartered Bank is maintaining its
forecast that Bank Negara will increase the
overnight borrowing rate to 3.25% in
November.
.
It said inflation was a secondary concern because
it is “rising slowly”.
IMPACT ON
RISING INTEREST BLR
AIA HOME LOAN SOLUTION
21
Real Capital Gains
Security
Fixed ratePeace of mind
Flexibility
Special “Zero
Moving Cost”
Affordability
Latest Packages
Package 1:
4.85%p.a. FIXED
The Lowest Long Term Fixed Rate In The
Market
Package 2:
5.25%p.a. FIXED
With Zero Moving Cost Features
Package 3:
4.25%p.a (2 years), 4.99% (Thereafter)
Lower Rates + Peace of Mind
Latest Packages
No early termination fee if settlement the loan
is via sale of property and own savings
for all 3 packages
RECOMMENDATION
24
HOW TO COME OUT A WINNER?
1) NEVER BE EXPOSED TO THAT CAN
HURT YOU FINANCIALLY
2) ALWAYS BE IN CONTROL – HEDGE
YOUR INVESTMENT COSTS
3) PEACE OF MIND HELPS YOU TO
SLEEP SOUNDLY AT NIGHT!
Why Me? My Credentials
• I am a certified and registered financial
planner
• I am a premier life planner
• I am an MDRT qualifier
• I pride myself as an award winning agency
• I have a 35 years experience in customer
support service and agency management
• My son had already come on board as my
business partner
Referrals
• Executives and Managers
• S & P Lawyers
• Real estate agents
• Developers
Fixed Rate Housing Loan Malaysia

Weitere ähnliche Inhalte

Ähnlich wie Fixed Rate Housing Loan Malaysia

Best fd interest rates jan 2020-highest fd rates
Best fd interest rates jan 2020-highest fd ratesBest fd interest rates jan 2020-highest fd rates
Best fd interest rates jan 2020-highest fd ratesMyinvestmentideas.com
 
Protecting Your Future And Capital
Protecting Your Future And CapitalProtecting Your Future And Capital
Protecting Your Future And CapitalTierOneCredit.com
 
Credit Score Information
Credit Score InformationCredit Score Information
Credit Score Informationgregorav
 
Investors Choice Mortgage - Webinar presentation
Investors Choice Mortgage - Webinar presentationInvestors Choice Mortgage - Webinar presentation
Investors Choice Mortgage - Webinar presentationmespie
 
Various retail loans
Various retail loansVarious retail loans
Various retail loansMeera Karnik
 
Time Value of Money I.pdf
Time Value of Money I.pdfTime Value of Money I.pdf
Time Value of Money I.pdfswati23502
 
Bandhan Retirement Fund_NFO Presentation .pdf
Bandhan Retirement Fund_NFO Presentation .pdfBandhan Retirement Fund_NFO Presentation .pdf
Bandhan Retirement Fund_NFO Presentation .pdfdvg6363238970
 
Referral BZ Force Ver. 14 May 2022 - FC.pptx
Referral BZ Force Ver. 14 May 2022 - FC.pptxReferral BZ Force Ver. 14 May 2022 - FC.pptx
Referral BZ Force Ver. 14 May 2022 - FC.pptxJarvic Lau
 
A COMPARISON BETWEEN UJJIVAN AND SPANDANA- MICROFINANCE
A COMPARISON BETWEEN UJJIVAN AND SPANDANA- MICROFINANCEA COMPARISON BETWEEN UJJIVAN AND SPANDANA- MICROFINANCE
A COMPARISON BETWEEN UJJIVAN AND SPANDANA- MICROFINANCEGowri Balah
 
Debt market what to expect in November 2021?
Debt market   what to expect in November 2021?Debt market   what to expect in November 2021?
Debt market what to expect in November 2021?Vinod Prajapati
 
Investment Idea - ICICI Bank Ltd - HOLD
Investment Idea - ICICI Bank Ltd - HOLDInvestment Idea - ICICI Bank Ltd - HOLD
Investment Idea - ICICI Bank Ltd - HOLDFullerton Securities
 
Optimizing Your Housing Loans - 31 May 2008
Optimizing Your Housing Loans - 31 May 2008Optimizing Your Housing Loans - 31 May 2008
Optimizing Your Housing Loans - 31 May 2008Peter Lim
 
Functional defferences between bank and non bank
Functional defferences between bank and non bankFunctional defferences between bank and non bank
Functional defferences between bank and non bankkm. nahid
 
Impact of Repo Rate on Bank Lending-2014
 Impact of Repo Rate on Bank Lending-2014 Impact of Repo Rate on Bank Lending-2014
Impact of Repo Rate on Bank Lending-2014Sudheer Parashar
 
Financial planning Revised.pptx
Financial planning Revised.pptxFinancial planning Revised.pptx
Financial planning Revised.pptxNitin33349
 

Ähnlich wie Fixed Rate Housing Loan Malaysia (20)

Best fd interest rates jan 2020-highest fd rates
Best fd interest rates jan 2020-highest fd ratesBest fd interest rates jan 2020-highest fd rates
Best fd interest rates jan 2020-highest fd rates
 
Protecting Your Future And Capital
Protecting Your Future And CapitalProtecting Your Future And Capital
Protecting Your Future And Capital
 
Credit Score Information
Credit Score InformationCredit Score Information
Credit Score Information
 
Investors Choice Mortgage - Webinar presentation
Investors Choice Mortgage - Webinar presentationInvestors Choice Mortgage - Webinar presentation
Investors Choice Mortgage - Webinar presentation
 
Pnc bank
Pnc bankPnc bank
Pnc bank
 
Various retail loans
Various retail loansVarious retail loans
Various retail loans
 
Time Value of Money I.pdf
Time Value of Money I.pdfTime Value of Money I.pdf
Time Value of Money I.pdf
 
Bandhan Retirement Fund_NFO Presentation .pdf
Bandhan Retirement Fund_NFO Presentation .pdfBandhan Retirement Fund_NFO Presentation .pdf
Bandhan Retirement Fund_NFO Presentation .pdf
 
Referral BZ Force Ver. 14 May 2022 - FC.pptx
Referral BZ Force Ver. 14 May 2022 - FC.pptxReferral BZ Force Ver. 14 May 2022 - FC.pptx
Referral BZ Force Ver. 14 May 2022 - FC.pptx
 
A COMPARISON BETWEEN UJJIVAN AND SPANDANA- MICROFINANCE
A COMPARISON BETWEEN UJJIVAN AND SPANDANA- MICROFINANCEA COMPARISON BETWEEN UJJIVAN AND SPANDANA- MICROFINANCE
A COMPARISON BETWEEN UJJIVAN AND SPANDANA- MICROFINANCE
 
Debt market what to expect in November 2021?
Debt market   what to expect in November 2021?Debt market   what to expect in November 2021?
Debt market what to expect in November 2021?
 
Investment Idea - ICICI Bank Ltd - HOLD
Investment Idea - ICICI Bank Ltd - HOLDInvestment Idea - ICICI Bank Ltd - HOLD
Investment Idea - ICICI Bank Ltd - HOLD
 
Optimizing Your Housing Loans - 31 May 2008
Optimizing Your Housing Loans - 31 May 2008Optimizing Your Housing Loans - 31 May 2008
Optimizing Your Housing Loans - 31 May 2008
 
Functional defferences between bank and non bank
Functional defferences between bank and non bankFunctional defferences between bank and non bank
Functional defferences between bank and non bank
 
PRESENTATION Final
PRESENTATION FinalPRESENTATION Final
PRESENTATION Final
 
Economic Capsule August 2010
Economic Capsule August 2010Economic Capsule August 2010
Economic Capsule August 2010
 
Economic Capsule - November 2022
Economic Capsule - November 2022Economic Capsule - November 2022
Economic Capsule - November 2022
 
Six golden rules to follow when taking a loan
Six golden rules to follow when taking a loanSix golden rules to follow when taking a loan
Six golden rules to follow when taking a loan
 
Impact of Repo Rate on Bank Lending-2014
 Impact of Repo Rate on Bank Lending-2014 Impact of Repo Rate on Bank Lending-2014
Impact of Repo Rate on Bank Lending-2014
 
Financial planning Revised.pptx
Financial planning Revised.pptxFinancial planning Revised.pptx
Financial planning Revised.pptx
 

Kürzlich hochgeladen

Call Girls in Bangalore Prachi 💋9136956627 Bangalore Call Girls
Call Girls in  Bangalore Prachi 💋9136956627 Bangalore Call GirlsCall Girls in  Bangalore Prachi 💋9136956627 Bangalore Call Girls
Call Girls in Bangalore Prachi 💋9136956627 Bangalore Call GirlsPinki Misra
 
💞Call Girls In Sonipat 08168329307 Sonipat Kundli GTK Bypass EsCoRt Service
💞Call Girls In Sonipat 08168329307 Sonipat Kundli GTK Bypass EsCoRt Service💞Call Girls In Sonipat 08168329307 Sonipat Kundli GTK Bypass EsCoRt Service
💞Call Girls In Sonipat 08168329307 Sonipat Kundli GTK Bypass EsCoRt ServiceApsara Of India
 
❤️Call Girls In Chandigarh 08168329307 Dera Bassi Zirakpur Panchkula Escort S...
❤️Call Girls In Chandigarh 08168329307 Dera Bassi Zirakpur Panchkula Escort S...❤️Call Girls In Chandigarh 08168329307 Dera Bassi Zirakpur Panchkula Escort S...
❤️Call Girls In Chandigarh 08168329307 Dera Bassi Zirakpur Panchkula Escort S...Apsara Of India
 
Pooja : 9892124323, Dharavi Call Girls. 7000 Cash Payment Free Home Delivery
Pooja : 9892124323, Dharavi Call Girls. 7000 Cash Payment Free Home DeliveryPooja : 9892124323, Dharavi Call Girls. 7000 Cash Payment Free Home Delivery
Pooja : 9892124323, Dharavi Call Girls. 7000 Cash Payment Free Home DeliveryPooja Nehwal
 
Rudraprayag call girls 📞 8617697112 At Low Cost Cash Payment Booking
Rudraprayag call girls 📞 8617697112 At Low Cost Cash Payment BookingRudraprayag call girls 📞 8617697112 At Low Cost Cash Payment Booking
Rudraprayag call girls 📞 8617697112 At Low Cost Cash Payment BookingNitya salvi
 
Call Girls Service In Udaipur 9602870969 Sajjangarh Udaipur EsCoRtS
Call Girls Service In Udaipur 9602870969 Sajjangarh Udaipur EsCoRtSCall Girls Service In Udaipur 9602870969 Sajjangarh Udaipur EsCoRtS
Call Girls Service In Udaipur 9602870969 Sajjangarh Udaipur EsCoRtSApsara Of India
 
💞Sexy Call Girls In Ambala 08168329307 Shahabad Call Girls Escort Service
💞Sexy Call Girls In Ambala 08168329307 Shahabad Call Girls Escort Service💞Sexy Call Girls In Ambala 08168329307 Shahabad Call Girls Escort Service
💞Sexy Call Girls In Ambala 08168329307 Shahabad Call Girls Escort ServiceApsara Of India
 
Bangalore Escorts 📞9955608600📞 Just📲 Call Rajveer Call Girls Service In Benga...
Bangalore Escorts 📞9955608600📞 Just📲 Call Rajveer Call Girls Service In Benga...Bangalore Escorts 📞9955608600📞 Just📲 Call Rajveer Call Girls Service In Benga...
Bangalore Escorts 📞9955608600📞 Just📲 Call Rajveer Call Girls Service In Benga...Sheetaleventcompany
 
👉Chandigarh Call Girls 👉9878799926👉Just Call👉Chandigarh Call Girl In Chandiga...
👉Chandigarh Call Girls 👉9878799926👉Just Call👉Chandigarh Call Girl In Chandiga...👉Chandigarh Call Girls 👉9878799926👉Just Call👉Chandigarh Call Girl In Chandiga...
👉Chandigarh Call Girls 👉9878799926👉Just Call👉Chandigarh Call Girl In Chandiga...rajveerescorts2022
 
WhatsApp 📞 8448380779 ✅Call Girls In Bhangel Sector 102 ( Noida)
WhatsApp 📞 8448380779 ✅Call Girls In Bhangel Sector 102 ( Noida)WhatsApp 📞 8448380779 ✅Call Girls In Bhangel Sector 102 ( Noida)
WhatsApp 📞 8448380779 ✅Call Girls In Bhangel Sector 102 ( Noida)Delhi Call girls
 
👉Chandigarh Call Girls 📞Book Now📞👉 9878799926 👉Zirakpur Call Girl Service No ...
👉Chandigarh Call Girls 📞Book Now📞👉 9878799926 👉Zirakpur Call Girl Service No ...👉Chandigarh Call Girls 📞Book Now📞👉 9878799926 👉Zirakpur Call Girl Service No ...
👉Chandigarh Call Girls 📞Book Now📞👉 9878799926 👉Zirakpur Call Girl Service No ...rajveerescorts2022
 
👉Amritsar Call Girl 👉📞 8725944379 👉📞 Just📲 Call Mack Call Girls Service In Am...
👉Amritsar Call Girl 👉📞 8725944379 👉📞 Just📲 Call Mack Call Girls Service In Am...👉Amritsar Call Girl 👉📞 8725944379 👉📞 Just📲 Call Mack Call Girls Service In Am...
👉Amritsar Call Girl 👉📞 8725944379 👉📞 Just📲 Call Mack Call Girls Service In Am...Sheetaleventcompany
 
💞SEXY💞 UDAIPUR ESCORTS 09602870969 CaLL GiRLS in UdAiPuR EsCoRt SeRvIcE💞
💞SEXY💞 UDAIPUR ESCORTS 09602870969 CaLL GiRLS in UdAiPuR EsCoRt SeRvIcE💞💞SEXY💞 UDAIPUR ESCORTS 09602870969 CaLL GiRLS in UdAiPuR EsCoRt SeRvIcE💞
💞SEXY💞 UDAIPUR ESCORTS 09602870969 CaLL GiRLS in UdAiPuR EsCoRt SeRvIcE💞Apsara Of India
 
New Call Girls In Panipat 08168329307 Shamli Israna Escorts Service
New Call Girls In Panipat 08168329307 Shamli Israna Escorts ServiceNew Call Girls In Panipat 08168329307 Shamli Israna Escorts Service
New Call Girls In Panipat 08168329307 Shamli Israna Escorts ServiceApsara Of India
 
💰Call Girl In Ludhiana 📞9815777685📞 💰Dilpreet📲 Best Ludhiana Call Girls Serv...
💰Call Girl  In Ludhiana 📞9815777685📞 💰Dilpreet📲 Best Ludhiana Call Girls Serv...💰Call Girl  In Ludhiana 📞9815777685📞 💰Dilpreet📲 Best Ludhiana Call Girls Serv...
💰Call Girl In Ludhiana 📞9815777685📞 💰Dilpreet📲 Best Ludhiana Call Girls Serv...dilpreetentertainmen
 
Dubai Call Girls Phone O525547819 Take+ Call Girls Dubai=
Dubai Call Girls Phone O525547819 Take+ Call Girls Dubai=Dubai Call Girls Phone O525547819 Take+ Call Girls Dubai=
Dubai Call Girls Phone O525547819 Take+ Call Girls Dubai=kojalkojal131
 
Hire 💕 8617697112 Pulwama Call Girls Service Call Girls Agency
Hire 💕 8617697112 Pulwama Call Girls Service Call Girls AgencyHire 💕 8617697112 Pulwama Call Girls Service Call Girls Agency
Hire 💕 8617697112 Pulwama Call Girls Service Call Girls AgencyNitya salvi
 
💞ROYAL💞 UDAIPUR ESCORTS Call 09602870969 CaLL GiRLS in UdAiPuR EsCoRt SeRvIcE💞
💞ROYAL💞 UDAIPUR ESCORTS Call 09602870969 CaLL GiRLS in UdAiPuR EsCoRt SeRvIcE💞💞ROYAL💞 UDAIPUR ESCORTS Call 09602870969 CaLL GiRLS in UdAiPuR EsCoRt SeRvIcE💞
💞ROYAL💞 UDAIPUR ESCORTS Call 09602870969 CaLL GiRLS in UdAiPuR EsCoRt SeRvIcE💞Apsara Of India
 
UDAIPUR CALL GIRLS 96O287O969 CALL GIRL IN UDAIPUR ESCORT SERVICE
UDAIPUR CALL GIRLS 96O287O969 CALL GIRL IN UDAIPUR ESCORT SERVICEUDAIPUR CALL GIRLS 96O287O969 CALL GIRL IN UDAIPUR ESCORT SERVICE
UDAIPUR CALL GIRLS 96O287O969 CALL GIRL IN UDAIPUR ESCORT SERVICEApsara Of India
 
👉Chandigarh Call Girls 📞Book Now📞👉 9878799926 👉Zirakpur Call Girl Service No ...
👉Chandigarh Call Girls 📞Book Now📞👉 9878799926 👉Zirakpur Call Girl Service No ...👉Chandigarh Call Girls 📞Book Now📞👉 9878799926 👉Zirakpur Call Girl Service No ...
👉Chandigarh Call Girls 📞Book Now📞👉 9878799926 👉Zirakpur Call Girl Service No ...rajveerescorts2022
 

Kürzlich hochgeladen (20)

Call Girls in Bangalore Prachi 💋9136956627 Bangalore Call Girls
Call Girls in  Bangalore Prachi 💋9136956627 Bangalore Call GirlsCall Girls in  Bangalore Prachi 💋9136956627 Bangalore Call Girls
Call Girls in Bangalore Prachi 💋9136956627 Bangalore Call Girls
 
💞Call Girls In Sonipat 08168329307 Sonipat Kundli GTK Bypass EsCoRt Service
💞Call Girls In Sonipat 08168329307 Sonipat Kundli GTK Bypass EsCoRt Service💞Call Girls In Sonipat 08168329307 Sonipat Kundli GTK Bypass EsCoRt Service
💞Call Girls In Sonipat 08168329307 Sonipat Kundli GTK Bypass EsCoRt Service
 
❤️Call Girls In Chandigarh 08168329307 Dera Bassi Zirakpur Panchkula Escort S...
❤️Call Girls In Chandigarh 08168329307 Dera Bassi Zirakpur Panchkula Escort S...❤️Call Girls In Chandigarh 08168329307 Dera Bassi Zirakpur Panchkula Escort S...
❤️Call Girls In Chandigarh 08168329307 Dera Bassi Zirakpur Panchkula Escort S...
 
Pooja : 9892124323, Dharavi Call Girls. 7000 Cash Payment Free Home Delivery
Pooja : 9892124323, Dharavi Call Girls. 7000 Cash Payment Free Home DeliveryPooja : 9892124323, Dharavi Call Girls. 7000 Cash Payment Free Home Delivery
Pooja : 9892124323, Dharavi Call Girls. 7000 Cash Payment Free Home Delivery
 
Rudraprayag call girls 📞 8617697112 At Low Cost Cash Payment Booking
Rudraprayag call girls 📞 8617697112 At Low Cost Cash Payment BookingRudraprayag call girls 📞 8617697112 At Low Cost Cash Payment Booking
Rudraprayag call girls 📞 8617697112 At Low Cost Cash Payment Booking
 
Call Girls Service In Udaipur 9602870969 Sajjangarh Udaipur EsCoRtS
Call Girls Service In Udaipur 9602870969 Sajjangarh Udaipur EsCoRtSCall Girls Service In Udaipur 9602870969 Sajjangarh Udaipur EsCoRtS
Call Girls Service In Udaipur 9602870969 Sajjangarh Udaipur EsCoRtS
 
💞Sexy Call Girls In Ambala 08168329307 Shahabad Call Girls Escort Service
💞Sexy Call Girls In Ambala 08168329307 Shahabad Call Girls Escort Service💞Sexy Call Girls In Ambala 08168329307 Shahabad Call Girls Escort Service
💞Sexy Call Girls In Ambala 08168329307 Shahabad Call Girls Escort Service
 
Bangalore Escorts 📞9955608600📞 Just📲 Call Rajveer Call Girls Service In Benga...
Bangalore Escorts 📞9955608600📞 Just📲 Call Rajveer Call Girls Service In Benga...Bangalore Escorts 📞9955608600📞 Just📲 Call Rajveer Call Girls Service In Benga...
Bangalore Escorts 📞9955608600📞 Just📲 Call Rajveer Call Girls Service In Benga...
 
👉Chandigarh Call Girls 👉9878799926👉Just Call👉Chandigarh Call Girl In Chandiga...
👉Chandigarh Call Girls 👉9878799926👉Just Call👉Chandigarh Call Girl In Chandiga...👉Chandigarh Call Girls 👉9878799926👉Just Call👉Chandigarh Call Girl In Chandiga...
👉Chandigarh Call Girls 👉9878799926👉Just Call👉Chandigarh Call Girl In Chandiga...
 
WhatsApp 📞 8448380779 ✅Call Girls In Bhangel Sector 102 ( Noida)
WhatsApp 📞 8448380779 ✅Call Girls In Bhangel Sector 102 ( Noida)WhatsApp 📞 8448380779 ✅Call Girls In Bhangel Sector 102 ( Noida)
WhatsApp 📞 8448380779 ✅Call Girls In Bhangel Sector 102 ( Noida)
 
👉Chandigarh Call Girls 📞Book Now📞👉 9878799926 👉Zirakpur Call Girl Service No ...
👉Chandigarh Call Girls 📞Book Now📞👉 9878799926 👉Zirakpur Call Girl Service No ...👉Chandigarh Call Girls 📞Book Now📞👉 9878799926 👉Zirakpur Call Girl Service No ...
👉Chandigarh Call Girls 📞Book Now📞👉 9878799926 👉Zirakpur Call Girl Service No ...
 
👉Amritsar Call Girl 👉📞 8725944379 👉📞 Just📲 Call Mack Call Girls Service In Am...
👉Amritsar Call Girl 👉📞 8725944379 👉📞 Just📲 Call Mack Call Girls Service In Am...👉Amritsar Call Girl 👉📞 8725944379 👉📞 Just📲 Call Mack Call Girls Service In Am...
👉Amritsar Call Girl 👉📞 8725944379 👉📞 Just📲 Call Mack Call Girls Service In Am...
 
💞SEXY💞 UDAIPUR ESCORTS 09602870969 CaLL GiRLS in UdAiPuR EsCoRt SeRvIcE💞
💞SEXY💞 UDAIPUR ESCORTS 09602870969 CaLL GiRLS in UdAiPuR EsCoRt SeRvIcE💞💞SEXY💞 UDAIPUR ESCORTS 09602870969 CaLL GiRLS in UdAiPuR EsCoRt SeRvIcE💞
💞SEXY💞 UDAIPUR ESCORTS 09602870969 CaLL GiRLS in UdAiPuR EsCoRt SeRvIcE💞
 
New Call Girls In Panipat 08168329307 Shamli Israna Escorts Service
New Call Girls In Panipat 08168329307 Shamli Israna Escorts ServiceNew Call Girls In Panipat 08168329307 Shamli Israna Escorts Service
New Call Girls In Panipat 08168329307 Shamli Israna Escorts Service
 
💰Call Girl In Ludhiana 📞9815777685📞 💰Dilpreet📲 Best Ludhiana Call Girls Serv...
💰Call Girl  In Ludhiana 📞9815777685📞 💰Dilpreet📲 Best Ludhiana Call Girls Serv...💰Call Girl  In Ludhiana 📞9815777685📞 💰Dilpreet📲 Best Ludhiana Call Girls Serv...
💰Call Girl In Ludhiana 📞9815777685📞 💰Dilpreet📲 Best Ludhiana Call Girls Serv...
 
Dubai Call Girls Phone O525547819 Take+ Call Girls Dubai=
Dubai Call Girls Phone O525547819 Take+ Call Girls Dubai=Dubai Call Girls Phone O525547819 Take+ Call Girls Dubai=
Dubai Call Girls Phone O525547819 Take+ Call Girls Dubai=
 
Hire 💕 8617697112 Pulwama Call Girls Service Call Girls Agency
Hire 💕 8617697112 Pulwama Call Girls Service Call Girls AgencyHire 💕 8617697112 Pulwama Call Girls Service Call Girls Agency
Hire 💕 8617697112 Pulwama Call Girls Service Call Girls Agency
 
💞ROYAL💞 UDAIPUR ESCORTS Call 09602870969 CaLL GiRLS in UdAiPuR EsCoRt SeRvIcE💞
💞ROYAL💞 UDAIPUR ESCORTS Call 09602870969 CaLL GiRLS in UdAiPuR EsCoRt SeRvIcE💞💞ROYAL💞 UDAIPUR ESCORTS Call 09602870969 CaLL GiRLS in UdAiPuR EsCoRt SeRvIcE💞
💞ROYAL💞 UDAIPUR ESCORTS Call 09602870969 CaLL GiRLS in UdAiPuR EsCoRt SeRvIcE💞
 
UDAIPUR CALL GIRLS 96O287O969 CALL GIRL IN UDAIPUR ESCORT SERVICE
UDAIPUR CALL GIRLS 96O287O969 CALL GIRL IN UDAIPUR ESCORT SERVICEUDAIPUR CALL GIRLS 96O287O969 CALL GIRL IN UDAIPUR ESCORT SERVICE
UDAIPUR CALL GIRLS 96O287O969 CALL GIRL IN UDAIPUR ESCORT SERVICE
 
👉Chandigarh Call Girls 📞Book Now📞👉 9878799926 👉Zirakpur Call Girl Service No ...
👉Chandigarh Call Girls 📞Book Now📞👉 9878799926 👉Zirakpur Call Girl Service No ...👉Chandigarh Call Girls 📞Book Now📞👉 9878799926 👉Zirakpur Call Girl Service No ...
👉Chandigarh Call Girls 📞Book Now📞👉 9878799926 👉Zirakpur Call Girl Service No ...
 

Fixed Rate Housing Loan Malaysia

  • 1.
  • 3.
  • 5. 3 IN 1 coffee
  • 6. AIA FIXED RATE 3 IN 1
  • 7. Which is better… Fixed Rate BLR-based Loan? Or
  • 8. Azizi Ali Millionaire Coach Q Should I take a fixed or BLR loan?
  • 9. Azizi Ali Millionaire Coach ‘Take a fixed interest rate mortgage as no one knows what the interest rate will be in 5 years let alone 35 years!’
  • 10. fluctuating interest rates BLR LOAN No financial Control WorriesStress
  • 11. HISTORICAL BLR & AVERAGE LENDING RATES IN MALAYSIA AVERAGE LENDING RATES Over last 5 years = 5.82% Over last 10 years = 6.11% Over last 15 years = 7.34% Over last 20 years = 7.85% Over last 30 years = 8.69% Source : BNM Website
  • 12. ANALYSIS OF LENDING RATE (source: Bank Negara Website) 12 Average BLR for 32 years : 7.88% Average Lending Rate for 32 years : 8.83% AIA HOMELOAN AT 4.85% 4 5 6 7 8 9 10 11 12 13 14 1980 1982 1984 1986 1988 1990 1992 1994 1996 1998 2000 2002 2004 2006 2008 2010 YEAR AIA FIXED AT 4.85% 11.51 6.72 10.33 8.24 6.83 11.51 10.33 6.6 6.99 8.70 12.80 12.25 6.41 5.06
  • 13. ANALYSIS OF LENDING RATE (source: Bank Negara Website) 13 0 2 4 6 8 10 12 14 1984 1992 1998 2006 2013 BLR 12.8 10.51 11.51 6.72 6.6 AIA HOMELOAN 4.85 4.85 4.85 4.85 4.25 AIA FIXED AT 4.85%
  • 14. No Such Thing As A “Fixed” BLR Package Important Note: 1)Banks can change and increase at its SOLE DISCRETION…BLR, interest margin/spread. 2)Borrowers can do NOTHING to control this situation. 3)BLR can affect borrowers financially as home loans are the biggest liability The Bank has the right to vary the loan pricing i.e. the interest spread and/or BLR..
  • 15. IN THE NEWS 15 Article – Star Biz 24th March 2011 “..borrowers would also be stressed-tested in the event interest rates were to rise by 100 to 200 basis points from the time the loan is applied..” Meaning: BORROWERS SHOULD BE PREPARED IF THEY ARE ABLE TO AFFORD A FURTHER RATE HIKE OF 1% TO 2%.
  • 16. Since 2010, the BLR has increased 4 times and gone up by a total of 1.05%p.a BLR has increased From 5.55% to 6.6%
  • 17. Interest Rate Instalment Interest Principal BLR: 5.55% BLR: 6.6% IMPACT ON RISING INTEREST BLR 17 RM500,000 loan BLR 5.55% p.a. 30 years. 5.55% 6.6% RM2,855 RM2,313 RM2,750 (+ RM 437) RM 542 RM105 ( - RM 437)
  • 18. A 1% increase in BLR could increase your loan instalment by 11%? Your loan tenure could be extended by a further 10 years if your instalment remains the same ~ for a loan of M500k & 30 years tenure. IMPACT ON RISING INTEREST BLR
  • 19. AIA HOME LOAN SOLUTION • Loan extension of 10 years • Amount paid : 10 years x 12 x Rm2855 = RM342,600
  • 20. Article from the Star paper 18-7-2013 By INTAN FARHANA ZAINUL | intanzainul@thestar.com.my Standard Chartered Bank is maintaining its forecast that Bank Negara will increase the overnight borrowing rate to 3.25% in November. . It said inflation was a secondary concern because it is “rising slowly”. IMPACT ON RISING INTEREST BLR
  • 21. AIA HOME LOAN SOLUTION 21 Real Capital Gains Security Fixed ratePeace of mind Flexibility Special “Zero Moving Cost” Affordability
  • 22. Latest Packages Package 1: 4.85%p.a. FIXED The Lowest Long Term Fixed Rate In The Market Package 2: 5.25%p.a. FIXED With Zero Moving Cost Features Package 3: 4.25%p.a (2 years), 4.99% (Thereafter) Lower Rates + Peace of Mind
  • 23. Latest Packages No early termination fee if settlement the loan is via sale of property and own savings for all 3 packages
  • 24. RECOMMENDATION 24 HOW TO COME OUT A WINNER? 1) NEVER BE EXPOSED TO THAT CAN HURT YOU FINANCIALLY 2) ALWAYS BE IN CONTROL – HEDGE YOUR INVESTMENT COSTS 3) PEACE OF MIND HELPS YOU TO SLEEP SOUNDLY AT NIGHT!
  • 25. Why Me? My Credentials • I am a certified and registered financial planner • I am a premier life planner • I am an MDRT qualifier • I pride myself as an award winning agency • I have a 35 years experience in customer support service and agency management • My son had already come on board as my business partner
  • 26. Referrals • Executives and Managers • S & P Lawyers • Real estate agents • Developers