Mortgage Loan

Tired of spending a lot of time liaising with banks for a mortgage loan or housing loan? Chu Yao offers help with 100% trust to keep an eye on different bank loan packages such as CIMB mortgage/ housing loans, Maybank mortgage/ housing loans, Public Banks, RHB, HSBC, and so on.

To ease your application, we will help you to calculate the repayment, save your time in comparing the packages, and even the time on preparing the documents. Comparing to normal bank, we are able to pull CCRIS first and can mitigate the personal financial situation before loan approval. Also, we can check financial commitment, trade reference, conducting pre-filtering and to mitigate it before rejected by bank.

GET THE BEST MORTGAGE DEALS

Don't know which mortgage deals or housing loan packages suggested by bankers are the best? We have experienced agent to help you in the survey and comparison.

CONVENIENT AND TIME SAVING

We save your time liaising with banks, processing the documents and applying for mortgage loans. We handle the entire loan application from beginning to end.

EXPERIENCED FOR 14 YEARS

We are experienced enough in helping clients in applying for mortgage loan and housing loan, hence we can ensure fast application for those clients who are urgent.

HIGHLY RELIABLE

Don't need to worry if you are getting the best mortgage loans packages. We will always compare the mortgage loans and make sure you get the worthiest.

Let's Us Advise You in Choosing the Most Suitable Mortgage/ Housing Loan Package:

Choosing a mortgage/ housing loan package is not just about the interest rate and fees you are going to pay. In fact, you will also need to consider the type of mortgage/ housing loan that suits you. Typically, there are four types of loans, which are flexi loans, semi-flexi loans, non-flexi loans, and fixed-rate loans.

Flexi Loan

Full Flexi is run on a mortgage current account, you can withdraw and deposit money to the mortgage current account without any additional charges and procedures.
The installment amount will be deducted from the mortgage current account as scheduled every month.
Extra money can dump into mortgage current account anytime to save interest and withdraw anytime at no fee (just online transfer from current account).
You will need to pay a monthly maintenance fee and one time setup fee.
Suitable for self-employed or businessman, due to always have extra cash flow from business or investment prior paying to supplier/creditor.

Semi-Flexi Loan

You can make advance payments on the loan, without sticking to an unchanged loan schedule.
Semi flexi don’t have current account (like full flexi), just loan account, money can put in to save interest.
Can dump in money to loan account to save interest. For Withdrawal need to pay one time service charges RM25 or RM50, withdrawal at bank counter.
You will have to give 2 to 5 days of buffer time to the bank prior to withdrawal.
You need to inform the bank to make the capital prepayment.
Suitable for fixed income earner / employment income.

Non-Flexi Loan/ Basic Term Loan

A loan with a fixed repayment schedule and the same monthly instalment throughout the entire repayment period of the loan.
Borrower need to walk into physical bank counter to request the additional payment arrangement.
Banks restrict the borrowers from withdrawing extra funds which may have paid more than the scheduled amount.

Fixed-rate Loan

The same interest rate for years, no matter what happens to the interest rates in the period.
Less stress as you will be paying the same loan amount every month.