2/11/2023 0 Comments Bank Rakyat Home FinancingIf you’re looking for a home loan that suits your budget, check out Bank Rakyat. They offer a range of home financing options, including a refinancing package.
This package also offers a conventional payment method, where you can automatically deduct your monthly instalment through Biro Perkhidmatan if you’re a Government employee. Or if you work in the private sector, you can also make your payments through your savings account or your employer’s payroll system. Manzili Home-i Financing Manzili Home-i Financing is one of the most competitive Shariah compliant home financing schemes in the market. It offers finance up to 95% of the property's value - regardless of whether the home is complete, under construction or for refinancing purposes. Moreover, it comes with 5% for Mortgage Reduction Term Takaful (MRTT) insurance to safeguard your investment against unforeseen circumstances and to help you enjoy a smoother home ownership experience. The package also includes an advanced payment option, where the extra amount paid is carried forward and used as an advance payment to reduce your loan principal in the future. This is especially beneficial for those who plan to renovate their houses or need additional cash to support expenses such as the installation of a new television set or an air conditioning system. Another benefit is that the loan tenure can be extended to 35 years or 70 years, whichever is earlier. This helps ease your monthly obligation and is especially suited for those who have a higher income, such as those who are planning to start their own businesses or are expecting a family member. A great feature of this home financing scheme is that it is based on fixed rate finance, with the profit rate capped at 10.6% to prevent you from getting hit by interest hikes during your loan period. Additionally, it comes with a MRTT insurance cover to protect your investment against unforeseen circumstances and a mortgage loan guarantee to cover the bank's risk in case of a default. The loan instalment is automatically deducted from your salary through Biro Perkhidmatan if you are a Government employee or direct from your employer's payroll or savings account if you work in the private sector. commercial mortgage calculator Manzili Home-i Refinancing Manzili Home-i Refinancing is a clever way for homebuyers to refinance their existing home loan. It's a smart move as it can save them money on monthly instalments, and in the long run, they'll benefit from an increased credit score. It's also the smartest way to unlock your property's full value, if you have the means to do so. What's more, it comes with a host of extras that makes your life easier. For example, they've partnered with insurer AIG to offer Mortgage Reduction Term Takaful (MRTT) insurance that protects your home against unforeseen circumstances. You'll also be able to finance up to 90% of your new home's purchase price. The MRTT scheme is one of the most comprehensive available in the market, and it's easy to see why it's so popular. It also boasts the most generous financing package available in Malaysia. The most impressive aspect of this package is its high margin of finance, which allows borrowers to borrow more than they might think. It's a great deal for all home buyers, whether they're relocating to Malaysia or just upgrading their current home to a larger one. Manzili Home-i Shariah Manzili Home-i Shariah is one of the most comprehensive and shariah compliant home financing solutions available in the market. The programme enables expatriates to own their dream homes at 3.19% per annum, in accordance with Islamic finance principles. It also includes a range of other features that make it stand out from its competitors. The scheme offers a variety of products and services to suit the needs of different customers, including Manzili SmartHome, which focuses on financing ready-to-move-in properties. It also includes flexible instalment payments through Maybank and Maybank Islamic branches, ATMs, Kawanku Phone Banking and online via Maybank2u. The scheme also enables customers to redraw additional payment made in excess of the normal monthly instalment amount. Other offerings include Manzili HomeLease and Manzili HomeInvest. Manzili HomeLease is a clever concept which utilises the Syariah principle of Ijara to enable borrowers to rent out their home for a pre-determined period after which they can purchase it back at a later date. It is a clever way of unlocking the value of your property and is designed to appeal to those who prefer floating rate financing. Manzili Home-i Takaful Bank Rakyat Manzili Home-i Takaful offers a variety of home financing options for expatriates and non-nationals. These home finance solutions are based on the principles of Shariah and are designed to fit your financial capabilities and personal requirements. For example, if you are looking to purchase a complete property, the product called HomeLease is a good choice. Or, if you are interested in getting cash out of your property after it is completed, the HomeInvest option is an excellent choice. For those who are not eligible for conventional mortgages, Bank Rakyat Manzili offers a home financing scheme called Easy Home. This product is structured under the Diminishing Musharakah concept and conforms to Shariah laws pertaining to financing, ownership and trade. It works by creating joint ownership between the Bank and customer by way of a Musharakah Agreement and gradually transferring this to the consumer. This is an ideal solution for those who want to purchase a new home but are unsure about their financial ability. In addition, it includes a 5% Mortgage Reduction Term Takaful (MRTT) insurance safeguard that protects the borrower’s finances against unforeseen events that could impact their home.
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August 2023
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