Howard Hooi ｜ Mortgage & Financial Advisor

01/02/2026

12/10/2025

了解自己的收入区间，
其实是理财规划中最基础的一步。

根据财政部与统计局2025年预算报告：
马来西亚薪资结构可分为 B40、M40 与 T20 三个主要群体。

搭配房贷利率 4%、贷款90%、供期35年，
这张表显示了不同薪水大约能承担的房价范围。

这不是“建议”，
而是一份观察社会经济现实的数据参考。
无论你在计划买房、理财，或只是想了解生活成本，
这些数字都能帮你看清——
自己所处的位置，以及努力的方向。

Understanding your income bracket
is actually one of the most fundamental steps in financial planning.

According to the Ministry of Finance and the Department of Statistics Malaysia (DOSM) 2025 Budget Report,
Malaysia’s income structure is categorized into three main groups: B40, M40, and T20.

Based on an assumed 4% interest rate, 90% loan margin, and 35-year tenure,
this chart illustrates the approximate property price range that different income levels can afford.

This is not a “recommendation,”
but rather a data-based reflection of Malaysia’s socioeconomic reality.
Whether you’re planning to buy a home, manage your finances,
or simply understand the cost of living,
these figures can help you see—
where you currently stand, and where you want to go next.

24/08/2025

感谢信任 · 感恩托付
Thank you for your trust.

— Howard Hooi

24/08/2025

从 Million 到 Multi-Million，这只是一个开始。

感谢所有客户与伙伴的支持，你们的选择是我前进的动力。
未来的路，我会继续坚持，把 专业、效率与责任 放在第一位，帮助更多家庭找到属于自己的家。

From millions to multiple millions, this is just the beginning.

Thank you to all our customers and partners for your support. Your choice is my driving force.
Moving forward, I will continue to prioritize professionalism, efficiency, and responsibility, helping more families find their homes.

24/08/2025

- 31/8/2024
从零开始，到今天的第一个 Million Dollar Acceptance，这一路走来经历了无数挑战和拒绝。
但我始终相信，专业、坚持和真诚，能赢得客户与伙伴的信任。
这份成就属于每一位信任我的客户，也属于每一位和我并肩的合作伙伴。
我会继续前进，帮助更多人实现他们的房贷梦想，让更多家庭拥有属于自己的家。

From scratch to today's first million-dollar acceptance, I've faced countless challenges and rejections along the way.
But I've always believed that professionalism, persistence, and sincerity can earn the trust of my clients and partners.
This achievement belongs to every client who trusts me and every partner who works alongside me.
I will continue to move forward, helping more people realize their mortgage dreams and enabling more families to own their own homes.

09/08/2025

大家好，我是Howard Hooi , 一名Mortgage Financial Advisor 🏡💼
专注为每一位顾客 并找到最合适的贷款以及财务方案.

[业务范围]
📌 房屋贷款（Mortgage Loan） — 新房、二手房、再融资
📌 商业贷款（Business Loan） — 资金周转、扩展业务
📌 再融资（Refinancing） — 降低利息
📌 债务重组（Debt Consolidate） — 优化现金流
📌 财务规划 - 投资技巧、理财规划

🌟专注于你们的长远规划

毕业后，我选择进入银行贷款与财务规划行业，
这几年跑遍了16家银行，和无数贷款案例打过交道，
发现很多人因为不了解贷款规则，白白多还了好几万利息。

于是，我决定把这些经验，变成你们的优势——
帮你找到最合适的贷款和财务方案，
让你不只是买到房，还能安心、划算地持有它。

这个页面, 我将会宣传一些关于📊银行利率最新动态、📜贷款政策解析、💡节省利息技巧、📖真实案例分享等等.
希望通过这些内容，帮助每一位信任并支持我的朋友，更轻松地实现自己的财务与购房目标。

Hi everyone, I’m Howard Hooi 🏡💼
A Mortgage Financial Advisor dedicated to finding the most suitable loan and financial solutions for every client I serve.

[Services Offered]
📌 Mortgage Housing Loans – New properties, sub-sale, refinancing
📌 Business Loans – Working capital, business expansion
📌 Refinancing – Reduce interest rates
📌 Debt Consolidation – Optimize cash flow
📌 Financial Planning – Investment strategies, wealth management

🌟 Focused on your long-term financial goals

After graduating, I chose to enter the mortgage and financial planning industry.
Over the years, I have worked with 16 banks and countless loan cases,
and I discovered that many people, due to not fully understanding loan regulations,
end up paying tens of thousands more in interest unnecessarily.

That’s why I decided to turn my knowledge and experience into your advantage —
✅ Helping you secure the best loan package
✅ Saving you money on interest payments
✅ Ensuring you not only buy your dream home, but also keep it affordably and with peace of mind

On this page, I’ll be sharing:
📊 The latest bank interest rate updates
📜 Loan policy insights
💡 Proven tips to save interest
📖 Real-life success stories

My goal is to help every client who trusts and supports me achieve their homeownership and financial goals more easily and wisely.