Download - Fixed Rate Housing Loan Malaysia
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My Achievements
35 Yearswith
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Fixed Rate Housing Loan
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3 IN 1 coffee
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AIA FIXED RATE 3 IN 1
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Which is better…
Fixed Rate
BLR-based Loan?
Or
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Azizi Ali Millionaire Coach
Q Should I takea fixed or BLR loan?
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Azizi Ali Millionaire Coach
‘Take a fixed interest rate mortgage as no one knows what the interest rate will be
in 5 years
let alone 35 years!’
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fluctuating interest ratesBLR LOAN
No financial Control
WorriesStress
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HISTORICAL BLR& AVERAGE LENDING RATES IN MALAYSIA
AVERAGE LENDING RATESOver last 5 years = 5.82%Over last 10 years = 6.11%Over last 15 years = 7.34%Over last 20 years = 7.85%Over last 30 years = 8.69%
Source : BNM Website
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ANALYSIS OF LENDING RATE(source: Bank Negara Website)
12
Average BLR for 32 years : 7.88% Average Lending Rate for 32 years : 8.83%AIA HOMELOAN AT 4.85%
4
5
6
7
8
9
10
11
12
13
14
AIA FIXED AT 4.85%
11.51
6.72
10.33
8.24
6.83
11.51
10.33
6.66.99
8.70
12.80
12.25
6.415.06
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ANALYSIS OF LENDING RATE(source: Bank Negara Website)
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1984 1992 1998 2006 2013
BLR 12.8 10.51 11.51 6.72 6.6
AIA HOMELOAN 4.85 4.85 4.85 4.85 4.25
1
3
5
7
9
11
13
AIA FIXED AT 4.85%
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No Such Thing As
A “Fixed” BLR Package
Important Note: 1)Banks can change and
increase at its SOLE DISCRETION…BLR, interest
margin/spread. 2)Borrowers can do NOTHING to
control this situation. 3)BLR can affect borrowers
financially as home loans are the biggest liability
The Bank has the right to vary the loan pricing i.e. the interest spread and/or BLR..
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IN THE NEWS
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Article – Star Biz 24th March 2011
“..borrowers would also be stressed-tested in the event interest rates were to rise by 100 to 200 basis points from the time the loan is applied..”
Meaning: BORROWERS SHOULD BE PREPARED IF THEY ARE ABLE TO AFFORD A FURTHER RATE HIKE OF 1% TO 2%.
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Since 2010, the BLR has increased
4 times and gone up by a total
of 1.05%p.a
BLR has increased
From 5.55% to 6.6%
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Interest Rate Instalment Interest Principal
BLR: 5.55%BLR: 6.6%
IMPACT ON
RISING INTEREST BLR
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RM500,000 loan BLR 5.55% p.a. 30 years.
5.55%6.6%
RM2,855
RM2,313
RM2,750
(+ RM 437)
RM 542
RM105( - RM 437)
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A 1% increase in BLR could increase your
loan instalment by 11%?
Your loan tenure could be extended by a further 10 years if your instalment remains the same ~ for a loan of M500k & 30 years tenure.
IMPACT ON
RISING INTEREST BLR
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AIA HOME LOAN SOLUTION
• Loan extension of 10 years • Amount paid : 10 years x 12 x Rm2855
= RM342,600
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Article from the Star paper 18-7-2013By INTAN FARHANA ZAINUL | [email protected]
Standard Chartered Bank is maintaining its forecast that Bank Negara will increase the
overnight borrowing rate to 3.25% in November..It said inflation was a secondary concern because it is “rising slowly”.
IMPACT ON
RISING INTEREST BLR
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AIA HOME LOAN SOLUTION
21
Real Capital Gains
Security
Fixed rate Peace of mind
Flexibility
Special “Zero Moving Cost”
Affordability
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Latest Packages
Package 1: 4.85%p.a. FIXEDThe Lowest Long Term Fixed Rate In TheMarket
Package 2:5.25%p.a. FIXEDWith Zero Moving Cost Features
Package 3:4.25%p.a (2 years), 4.99% (Thereafter)Lower Rates + Peace of Mind
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Latest Packages
No early termination fee if settlement the loan is via sale of property and own savings for
all 3 packages
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RECOMMENDATION
24
HOW TO COME OUT A WINNER?
1) NEVER BE EXPOSED TO THAT CANHURT YOU FINANCIALLY 2) ALWAYS BE IN CONTROL – HEDGE YOUR INVESTMENT COSTS
3) PEACE OF MIND HELPS YOU TOSLEEP SOUNDLY AT NIGHT!
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Why Me? My Credentials
• I am a certified and registered financial planner
• I am a premier life planner• I am an MDRT qualifier• I pride myself as an award winning agency• I have a 35 years experience in customer
support service and agency management• My son had already come on board as my
business partner
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Referrals
• Executives and Managers• S & P Lawyers • Real estate agents• Developers
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