Article ini ditulis dalam Bahasa Inggeris. Orang ramai pada zaman kini tidak mampu membeli rumah. Apabila anda mula memperoleh pendapatan yang baik, suatu hari anda ingin membeli sebuah rumah. Kami ingin membantu anda mencari cara untuk mendapatkan pinjaman dari bank.
It is true that there are many properties for rent up to this day. But is always nice to have a property of your own. Those who still don’t have their own home, usually just settle for properties for rent, But if you have the ability to own one, why don’t you go and look for a property to buy. No matter if the property is small, it is always nice to have something you can call your own. No need to worry about getting kicked out since it is yours.
Owning a house might be stressful, expensive, etc. but it sure is comforting to know that there are agencies out there who can help you out. It would make the process more comfortable and achievable. One of the many options on how to make the process easier is through a bank loan. But, you must know that things could go wrong, the money you’ve spent could be forfeited, and the property you’ve been paying could be taken away from you. This is why, before applying for a bank loan, make sure to think things through.
Is this also one of your concerns? Are you also scared that you might not be able to comply with the monthly amortization? Before you totally reject this idea, you can continue reading below why a bank home loan is not totally a bad deal. In fact, you might not realize it yet, but this can be your best option. Yes, and below are some of the most notable reasons:
Why you should apply for bank loan:
1. Low interest rate
As this is a loan, of course, there will be interest rates. You can hardly find a lender that will not charge you with interest rates, right? But when it comes to bank financing, the interest rates are lower. You see, even without the interest fee, buying a house can already cost you a lot like even if you buy it in cold cash. But the good thing with bank financing is it charges lower interest rates compared to in-house financing. This means you will have less stressful time paying for the monthly amortization. There are even banks that will give fixed interest rates. This is a better option as when the interest rates in the market will go up, you need not be wary about your loan as it will not be affected.
2. Flexible repayments
With in-house repayment terms, it might not be flexible. Their terms might be fixed, so it will be hard for you to adjust if you will be put in a tough situation. That is not the case with bank financing as they offer flexibility in your repayment terms. In fact, they can offer up 15 years and even more for that matter. Some financing agencies only offer 10 years or less which can be really burdensome.
3. No restrictions
When it comes to bank financing, you are not restricted what type of property to buy or whether you will just use the money to renovate your property or even construct a new one. You will have a free will for this as long as it coincides with their terms. If you are in Kuala Lumpur, you can check the Marc Residence or even Verve Suites as they have properties for rent and for sale. Their properties are located in a strategic spot, thus it will be convenient for every member of the family. Aside from that, there is also property for rent verve suites mont kiara. The verve apartments are actually one of the recommended places to invest in.
4. Stringent process
Yes, without a doubt, applying for a bank home loan is way better than in-house financing in so many ways. There is just one thing you need to know though, their application process is more stringent. But of course, if you have a commendable credit record, if you have the money for the down payment and other fees, there should be no problem. You just have to go through this. Don’t be afraid to ask as they will surely accommodate you. After all, this is one of their offers and they will be glad that they have clients. Note that most of the banks offer the same terms. So, you can say that they are also dealing with tough competition.
The marc residence studio for rent is equipped with things a tenant will need so that he does not have to go out every time to eat or to do his laundry. It means that you can easily save money which is just perfect since you are planning to buy a house. However, if buying a house isn’t in your plan, you should consider to buy property verve suites mont kiara or even buy property marc residence klcc.
Do not waste the chance of acquiring your own home. Rest assured you will be happy.
For more information on how you can get approved by the bank for the loan, watch this video: