{"id":9946,"date":"2014-05-19T18:07:37","date_gmt":"2014-05-19T10:07:37","guid":{"rendered":"http:\/\/www.imoney.my\/articles\/?p=9946"},"modified":"2024-04-19T14:45:17","modified_gmt":"2024-04-19T06:45:17","slug":"10-home-buying-questions-answered","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/10-home-buying-questions-answered","title":{"rendered":"10 Of Your Home Buying Questions Answered"},"content":{"rendered":"<p><a href=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/questions-questions-300x164.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-9947 size-thumbnail\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/questions-questions-120x120.jpg\" alt=\"questions-questions\" width=\"120\" height=\"120\" \/><\/a><\/p>\n<p>Buying a home can be one of the most stressful events in one\u2019s life \u2013 especially if it is your first time. Where should you start? Can you really afford your dream home? What about all the legalities and the hidden costs everyone talks about?<\/p>\n<p>Yes, it is an extremely stressful time. We understand, and we are here to help with these 10 most asked questions by our readers and fans. These questions are most likely running through your mind as you scroll through hundreds of property listings anyway.<\/p>\n<p>Don\u2019t freak out, read on!<\/p>\n<h2><span class=\"ez-toc-section\" id=\"1-How-would-I-be-eligible-for-housing-loan\"><\/span><b>1. How would I be eligible for housing loan?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Housing loan eligibility depends a lot on your monthly income and your existing loan commitments. It can be a personal loan, the dreaded but inseparable credit cards, or various other bank loans including softer ones like ASB.<\/p>\n<p>The banks will run a check on your <a href=\"\/articles\/can-credit-report-affect-loan\/\" target=\"_blank\" rel=\"noopener noreferrer\">CCRIS<\/a> report to view all your active loans and your payment status. Thus, it is extremely important to ensure all your loans and credit cards are up-to-date. Then, the banks will decide how much you are eligible for and your risk as a borrower.<\/p>\n<p>To find out how much you need to pay based on the price of a home, use our <a href=\"\/home-loan\" target=\"_blank\" rel=\"noopener noreferrer\">home loan calculator<\/a>\u00a0Malaysia.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"2-Should-I-refinance-my-home\"><\/span><b>2. Should I refinance my home?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Many home owners do just that to get some extra cash &#8212; though it is very normal, you have friends, relatives and neighbours doing that, don\u2019t do it for the <a href=\"https:\/\/www.imoney.my\/articles\/3-wrong-reasons-refinance-home-loan\" target=\"_blank\" rel=\"noopener noreferrer\">wrong reason<\/a>!<\/p>\n<p>Here are three things you need to know about refinancing your property, according to HSBC Malaysia:<\/p>\n<ul>\n<li>You take advantage of your property\u2019s rising value to obtain a larger financing amount.<\/li>\n<li>Your refinanced loan pays off your current housing loan.<\/li>\n<li>You are free to use the balance as you wish.<\/li>\n<\/ul>\n<p>However, only do it if there is a valid reason why you need the money.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"3-How-do-I-save-up-for-the-down-payment\"><\/span><b>3. How do I save up for the down payment?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>This depends entirely on yourself. Down payments usually make up 10% of the asking price, depending on your margin of finance (the total loan amount you are eligible for).<\/p>\n<p>Don\u2019t forget, this 10% can be withdrawn from the Account 2 of your Employee Provident Fund (EPF)! You can also consider other options to save the money with these <a href=\"\/articles\/7-financial-planners-to-unlock-your-first-home\" target=\"_blank\" rel=\"noopener noreferrer\">practical tips from financial planners<\/a>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"4-How-can-I-get-100-housing-loan\"><\/span><b>4. How can I get 100% housing loan?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you are unable to save up 10% of the down payment, you can still consider buying a home through various government subsidised schemes, such as:<\/p>\n<p>My First Home Scheme or Skim Rumah Pertamaku (SRP) \u2013 If your monthly income is RM5,000 and below, you have the option of getting 100% financing for a residential property<\/p>\n<p>The government also strives to help the lower and middle income groups to afford their first home through the 1Malaysia People\u2019s Housing Programme (PR1MA), which constructs and maintains affordable houses in key urban areas.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"5-How-do-I-value-my-house\"><\/span><b>5. How do I value my house?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>For sub-sale (a pre-owned home), you need to do a house valuation to determine the market value of the property.<\/p>\n<p>Former owners may set a price according to the market, but it is always good to have second, third or as many opinions as possible (Careful though, too many will confuse you so stick to reliable sources, or just check the classified sections on online and offline media or talk to a few property agents to get an idea).<\/p>\n<p>Valuations are usually done by the banks to gauge the loan amount to offer but you can also do it on your own to determine if the selling price is according to the market value. However, only get the valuation done by an accredited agency for better accuracy. Keep in mind that sometimes your <a href=\"\/articles\/3-reasons-why-property-valuations-may-not-be-accurate\" target=\"_blank\" rel=\"noopener noreferrer\">valuation price may not be accurate<\/a> at all.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"6-Can-I-get-cash-from-my-home\"><\/span><b>6. Can I get cash from my home?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Your home is your asset as the value of the property will most like go up. However, how good is the home if you can\u2019t get cash out of it when you need it?<\/p>\n<p>Be it for your child\u2019s college education or to purchase your second property, you can consider these few ways to\u00a0<a href=\"\/articles\/home-equity-how-to-free-up-funds-from-the-properties-you-have-without-selling-them\/\" target=\"_blank\" rel=\"noopener noreferrer\">free up your home equity<\/a>, or refinance your home (refer to #2).<\/p>\n<h2><span class=\"ez-toc-section\" id=\"7-Why-would-the-bank-reject-my-housing-loan-application\"><\/span><b>7. Why would the bank reject my housing loan application?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>There are various factors banks look into when approving a housing loan application. The factors range from the property\u2019s location, borrower\u2019s income, lack of a credit facilities record (it pays to have a credit card that you pay punctually), bad CCRIS reports, or the debt service ratio (DSR) may be over the maximum limit. Therefore, it is important to keep a clear record by making your existing loan payments on time.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"8-How-do-I-safeguard-myself-if-the-BLR-increases\"><\/span><b>8. How do I safeguard myself if the BLR increases? <\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Most property loans available in Malaysia are based on the prevailing Base Lending Rate (BLR), which is set at 6.6%. This is one of the lowest rates we\u2019ve seen since 2009. However, with the new framework set to take effect in January 2, 2015, most are uncertain about the rates.<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #ff0000;\"><strong>Update:\u00a0<\/strong>On July 10, 2014, BNM announced an increase in the Overnight Policy Rate (OPR) by 0.25%, resulting an increase in the BLR to 6.85% by most major banks.<\/span><\/p>\n<p>To safeguard oneself from the volatility of BLR, one can consider a <a href=\"\/home-loan\/aia\" target=\"_blank\" rel=\"noopener noreferrer\">fixed rate home loan<\/a> such as the one offered by AIA.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"9-Should-I-get-a-mortgage-life-insurance\"><\/span><b>9. Should I get a mortgage life insurance?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>As the main breadwinner of a household, buying a home for your dependents is just half of the battle. You must ensure that your loved ones are protected as well, in the event you are no longer able to pay the mortgage of your house.<\/p>\n<p>This is where mortgage life insurance comes into picture. You can either get a Mortgage Reducing Term Assurance (MRTA) or a Mortgage Level Term Assurance (MLTA) to safeguard your home in the event of death or total permanent disability (TPD). Find out which one suits your needs in our <a href=\"\/articles\/mrta-vs-mlta-need\/\" target=\"_blank\" rel=\"noopener noreferrer\">MRTA versus MLTA comparison<\/a>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"10-Should-I-get-a-basic-term-home-loan-or-a-flexi-home-loan\"><\/span><b>10. Should I get a basic term home loan or a flexi home loan?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The difference between a conventional home loan and a flexi one lies in the amount you can pay every month. If you are a fixed salaried worker, it makes more sense to go for a basic term loan, as you pay a set amount every month for the full tenure. The drawback is, you won\u2019t be able to save on interest charges in the event you decide to pay a lump sum or more every month.<\/p>\n<p>Unlike flexi loan, you can make advance payment to lower your loan interest and withdraw the additional payments you\u2019ve made whenever you like, without the need for complicated procedures. However, usually flexi loans come with a fixed monthly fees (usually RM10 per month) to maintain the current account.<\/p>\n<p>Determine the type of loan that is suitable to your income by <a href=\"\/articles\/understanding-home-loan\/\" target=\"_blank\" rel=\"noopener noreferrer\">comparing the basic term, semi-flexi and full-flexi home loan<\/a>.<a href=\"\/articles\/understanding-home-loan\/\" target=\"_blank\" rel=\"noopener noreferrer\"><br \/>\n<\/a><\/p>\n<p>As a first time home buyer, you will have many questions about buying your first home but these 10 are likely to pop into your head first. With these answered you should have more confidence on getting your first home.<\/p>\n<p>If you have more questions on home buying, do leave a comment below!<\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Thinking-of-refinancing-your-home-Understand-how-to-refinance-your-home-now\"><\/span><b>Thinking of refinancing your home? Understand <a href=\"\/articles\/a-guide-to-home-loan-refinancing-infographic\/\" target=\"_blank\" rel=\"noopener noreferrer\">how to refinance your home <\/a><\/b><b>now.<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n","protected":false},"excerpt":{"rendered":"<p>Home buying doesn\u2019t have to be daunting. Here are 10 answers to your home buying questions!<\/p>\n","protected":false},"author":1,"featured_media":9948,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[21],"tags":[219],"class_list":["post-9946","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-properties","tag-bi"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>10 Of Your Home Buying Questions Answered! | iMoney<\/title>\n<meta name=\"description\" content=\"Home buying doesn\u2019t have to be daunting. 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