房贷交流 Yunis Goh

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Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from 房贷交流 Yunis Goh, Loan service, 17-2, Jalan SS 26/4 Taman Mayang Jaya, Petaling Jaya.

22/01/2026

Today's Topic cover Love and Affection Transfer Stamp Duty.

Stamp Duty is waived if the Transfering of property is between
✅Spouse
✅Parents to Children
✅Grandparents to Grandchildren

What if my property is still Charged to Bank?
✅Refinancing is needed

What if my property is still under Master Title?
✅Some cost need to pay

How to advoid RPGT?
✅Transfer the property with same SPA Price

Is there any Capping of SPA price?
✅Property price below 1M

More information
Can reach out to me
https://wa.me/message/LAPG5TRLJEGOE1

08/08/2025

It’s been a while since I last shared something!
Getting a loan approved isn’t always easy…

✅ Value mismatch?
✅ Profile issue?
✅ Processing hiccups?
✅ Minor errors causing delays?

Whatever the reason — I know the challenges behind every application.

With a full heart, I’m always here to support my agents and customers — as long as you’re willing to try, I’m ready to fight for your loan!

No matter the loan size — SME or individual —
If it comes to me, I’ll do my best to bring it back approved.

Thank you for the trust, always 🙏
Your support means everything to me.

09/07/2025

Nasional Bank has just announced to reduced OPR rate from 3% to 2.75% on Wednesday (9/7/2025) 330pm

This means that,
Our housing loan rate has REDUCED by 0.25%!
Only applicable to residential majority or commercial loan which is following SBR!

How does this 0.25% affected us?
Says, your interest rate used to be 4.3%
Meaning to say 3% + 1.3%
Now has become 2.75% + 1.3% =4.05%

It is such a good news for those who has housing loan or those who are going to apply loan!
This is the best part of Flexi loan.
Sorry to those who is taking term loan or LPPSA.
As OPR is not affecting their current interest rate!
And Sorry to FD rate as well
As normally when OPR rate reduced, FD rate will be reduce soon.

This means that, more monies will flow to the market!
If you realized, REIT shares has also being affected today!
As people is more willing to invest into property share or properties!

More information
Can reach out to me

https://wa.me/message/LAPG5TRLJEGOE1

04/06/2025

《📉Earning Well But Still Got Rejected | 5 Common Home Loan Mistakes Malaysians Make》
You think earning RM8k/month means sure can get a home loan?
A lot of Malaysians get rejected just because of small things they never noticed!

✅📌【Top 5 Mistakes Malaysians Make When Applying for a Home Loan】
🚨 1｜High income = confirm can get loan? Wrong!
What banks really care about is your net disposable income, not just your salary
👉🏻Too much commitment, late repayments, high debt ratio = big red flag!

🚨 2｜Messy bank transactions = low chance
📌A lot of freelancers or small business owners earn well, but their bank records are all over the place
👉🏻Bank can’t trace your income clearly = risky = rejected
✅Tip: Use 1 main account for receiving income & write proper references!

🚨 3｜Under-declaring taxes = self-sabotage
“I scared need to pay more tax lah…”
But when you under-declare, bank assumes your earning power is low
📌Reasonable tax filing + proper SSM = better approval chance

🚨 4｜Never checked CTOS/CCRIS? You’re risking it!
Many Malaysians don’t even know what’s inside their credit report
👉🏻Missed credit card payments, old postpaid bills = all recorded
✅Before applying, check both CTOS and CCRIS – better safe than sorry!

🚨 5｜Loan purpose unclear = risky borrower
Are you buying to stay? To invest? To rent out? Or flipping?
📌Make your purpose clear so banks can match you with the right financing package

✅📌【Documents You Should Prepare】
✅ SSM registration (for business owners/self-employed)
✅ Tax filings (preferably 2 years)
✅ Bank statements (last 6 months, consistent income in)
✅ Credit reports (CTOS + CCRIS)
✅ Property documents (SNP, loan offer letter etc.)

✅📌【Final Reminder】
💡 Even if you're earning RM10k/month, if your cash flow is messy or credit score is bad — banks can still reject your loan!
📌Start planning early, get your documents ready, and don’t just “try your luck” — it makes a big difference in getting approved!

26/05/2025

Joint Borrower Passed Away 😢 | Will Monthly Loan Reduce? 🏠

You bought a house and took a loan together with someone 🏠
But one day… one of the borrower passes away 🕊️
You might think:
"Now I just pay half of the installment, right?" 🤔

Reality: Nope. Not even close. ❌❌❌

📌 The loan remains the same no matter what.
Banks don’t reduce your monthly installment just because of this incident.
Answer is:
👉 Can someone still pay the full amount based on Letter Offer Signed?

So guess what?
😩 The surviving borrower has to bear the entire loan alone…
Even in grief, you’re stuck with the bills.

🔑 It depends on whether you got 👉 "Mortgage Insurance" (MRTA / MLTA) 🧾

Let’s break it down:

☑ If you DO have it:
The insurance can help pay off all or part of the loan 💸

☒ If you DON’T:
The monthly payment? Still there. Still full. Still yours. 💔

If you’re still repaying a home loan…
Go check now if you’re covered by insurance 💼
It’s not being negative — it’s being prepared. 🧠☂️

24/05/2025

Within one week got loan approved and signed back!�Client background
Daughter is borned in 1997, already has 2 housing loan and now wanted to get a commercial property for investment purposes.
Mother is a business person.

�Challenges!
Value! As this is newly completed property where majority of the bank unable to provide value.
Other than that, daughter is under employment but getting commercial property (normally will slash margin).
Mother income tax file low.

Solution:
Write better recommendation & get ready with full documents and proof of savings on top of dsr and NDI are within.

�Thanks property agent refer the cases to me!

08/05/2025

Overnight Policy Rate (OPR)
Is an overnight interest rate set by National Bank.
It is target rate for the day-to-day liquidity operations of BNM.

As of 8th May 2025.
OPR remain 3%

If you are planning to get a house or already signed letter offer for banks.
Do spend some times to go through this post.

For Residential, best rate now is 3.8%
OPR is 3%, and bank adds a spread of 0.8%
Thus, the overall rate is 3.8%

If OPR has reduced by 0.25%
Then,
OPR 2.75% and bank spread rate 0.8%
Thus, the overall rate is 3.55%

For Commercial, best rate now is 4.05%

OPR is 3%, and bank adds a spread of 1.05%
Thus, the overall rate is 4.05%

If OPR has reduced by 0.25%
Then,
OPR 2.75% and bank spread rate 1.05%
Thus, the overall rate is 3.8%

Meanwhile SME is based on BLR.

I’m a licensed mortgage broker
https://wa.me/message/LAPG5TRLJEGOE1

07/05/2025

Today let’s share some info about RPGT.
For those who has properties ready to be disposed!
Things that you should take into consideration.

Gain tax will be imposed if sell the at value higher than original purchase price.

A property can be purchased under individual (Malaysian and Foreigner) name, or under company name or inherited from deceased.

RPGT involved 2 prices:
1. Acquisition Price: Property Original Price
2. Disposal Price: newly SPA signed by both parties

Percentage of RPGT refer to images?
Refer to the image 2 (Individual - Malaysian)
Refer to image 3 (Company holding)
*foreginer and Malaysian converted to other country also consider as foreigner.

Basically, the RPGT formula goes like this:
Chargeable Gain = Disposal Price – Acquisition Price/Market Value and Miscellaneous Expenses

Net Chargeable Gain = Taxable Amount – Exemption Waiver

For Inherited from Deceased, date is the key!
1. Date of Acquisition = The date when the property being transferred to the Beneficiary
2. Acquisition Price = The date when the property being transferred to the Beneficiary

RPGT rates is depending from inheritance date.

I’m a licensed Mortgage Broker
More information, feel free to PM
https://wa.me/message/LAPG5TRLJEGOE1

Images attached are source from iProperty.

05/05/2025

MRTA - Mortgage Reducing Term Assurance

Most of the times bank mortgage loan will bundle with MRTA.
Either the premium will finance into loan or pay lump sum.
The coverage will be reducing throughout the years.
Beneficiary will be the bank.

Must check your coverage:
1. Whether cover full loan and full term (usually premium is high)
2. Cover partially with certain loan amount and tenure to reduce the premium
3. Cover minimum, 1%-3% of loan amount to reduce the premium

Will the coverage auto offset the outstanding loan if something happen (death / Tpd, normally CI is not covered)
The answer is NO. There must be someone to fill up with forms with necessary documents like Death cert to that particular insurance company to proceed with the claim.

Whether it is fully covered?
1. Depending on the coverage
2. Depending on the interest rate as banks are offering flexi loan nowadays, OPR rate will fluctuate, and total interest will be fluctuate.
3. Depending on your payment habit. Pay on time? Pay extra or late payment will affect the total outstanding at that time, whereby the coverage has already “prefixed” upon sign up.

Thus, it would be safer if you have your own life insurance or some called it MLTA.
The coverage is level or increasing throughout the years.

If you have mortgage loan questions
Feel free to PM
I’m a licensed mortgage broker
https://wa.me/message/LAPG5TRLJEGOE1

02/05/2025

How to determine your property value?
Project & Subsale

Project case / under construction project property:
1. Need not get value
2. Place booking fee and submit according to SPA price in booking form
3. Direct from developer

Subsale case
1. Vendor needs to check the market value and decide how much to sell.
To check value, either thru property refer cases to bank or valuer firm.

Example:
Mr A bought a unit at RM 600k with loan.
After 6 years, Mr A would like to sell away the house with outstanding of RM 540k.

Things to consider before he could sell the house:
1. Whether the market value can cover his outstanding?
2. If cannot get market value, will buyer keen to absorb the difference of the cost?
3. If no buyer willing to pay the extra, is he willing to let go the unit with lost?

How valuer firm determine the value of the property?
1. Surrounding transaction
2. Property location & zoning
3. Future development
4. Property facing (cemetery/Indah water)
5. Renovation (fix items)
Etc

I’m a licensed mortgage broker
Feel free to engage
https://wa.me/message/LAPG5TRLJEGOE1

29/04/2025

Certificate of Completion and Compliance (CCC)
Is a document that confirms a building has been constructed according to approved plans and meets all safety and regulatory standard.

This CCC is a mandatory requirement before a building can be occupied, ensuring it’s safe and fit for its intended purposes.

How bank evaluate the property without CCC?
Property is not limited to only residential houses, but also factories.

If you have an own build house or factory.
Do take note on this CCC, as this will affect the market value after all either upon resell or refinance.

Best scenario, the bank will only evaluate the market value based on LAND only.
Meaning to that, the value of the building will be totally excluded.
Margin wise will be reduced to 50%-60% instead of 85%-90%.

I’m a licensed mortgage broker
https://wa.me/message/LAPG5TRLJEGOE1

28/04/2025

Common questions asked by Applicants & Agents.

Property Loan (Individual):
Assuming the profile is perfect & full documents submission.
Fastest approval can be get within 1-2 days.

For secondary profile (scoring medium) without query.
To shorten the process time, normally we will find out more about customer background, purpose of buying the property, any other supporting documents to give more confident to the credit to get approval.
Normally this kind of profile, if not further query, it would take 3-7 days of working days (avoid public holiday & high volume submission period).

For profile has some issue (high cc usage, late payment, too many credit applications & etc)
We will need to advise customer what to do before submit to the bank.
To get approval is depending on profile timing.
For this kind of profile, probably need 1 month to do it depending on when we got the case for screening.

Property Loan (SME):
Banks will need to evaluate company’s past years audited reports, 6 months of company bank statement & also latest management accounts including debtors & aging, profit & lost & etc.
Different banks will have different appetite to the company nature of business, thus, selecting the right bank will shorten the processing time.

More aspects to be looking into while submitting a SME loan.
Thus, this may required 2-3 weeks or more if the loan amount is getting bigger.

I’m a licensed mortgage broker
Feel free to PM me
https://wa.me/message/LAPG5TRLJEGOE1

Address

17-2, Jalan SS 26/4 Taman Mayang Jaya
Petaling Jaya
47301

Website

https://mywealthmgmt.net/

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