Bilakah anda perlu untuk membuat pinjaman semula
(refinancing) pinjaman rumah? Ada beberapa faktor yang perlu anda pertimbangkan
sebelum membuat keputusan untuk membuat pinjaman semula, antaranya :-
1. Mengambilkira tempoh pembayaran balik kerana ianya
melibaaatkan kos-kos seperti kos guaman (legal fees), kos penilaian (valuation
fees), disbursement fees, penalti bayaran awal (penalty on lock in period).
Walaubagaimana pun terdapat kos-kos tersebut di serap oleh bank yang di kenali
sebagai pakej Zero Moving Cost.
2. Penurunan kadar faedah lebih daripada 2% daripada kadar
faedah pinjaman asal.
3. Penalti yang di kenakan oleh pihak bank sekiranya bayaran
penuh di buat dalam tempoh lock in period. Kebiasaannya penalti di kenakan
sebanyak 3% daripada jumlah pinjaman asal di sebabkan bayaran penuh dibuat
(full settlement) dalam tempoh lock in period di mana kebiasaannya tempoh
tersebut dalam jangkamasa 5 tahun.
4. Nilai semasa rumah mestilah melebihi daripada baki
pinjaman asal kerana pihak bank akan memberikan pinjaman 90% atau kurang
daripada nilai semasa rumah.
5. Mencari bank-bank yang menawarkan pakej yang terbaik
bersesuaian dengan pendapatan dan perbelanjaan, anda perlu berurusan dengan
beberapa buah bank atau institusi kewangan tempatan untuk mendapatkan tawaran
yang terbaik. Shopping around ialah kaedah yang terbaik supaya anda dapat
membuat perbandingan terhadap tawaran yang di buat.
Konsultasi Percuma
Perlukan Nasihat Runding Kewangan Hartanah
Insuran Takaful, Medikal Kad
Sila Hubungi Nasri 019 370 2629
My husband and I had a very bad credit when we were deep into the financial jurists to what extent we applied for bankruptcy, we had little or no money to send our daughter to emily to a college that we could not afford. We control payday loans (loan companies), which have helped people like us, get mortgage changes. Each company we contacted wanted a previous fee of $ 1,000 to $ 2,000 that we could not afford. Because we thought we had no hope of choosing to sell or lose your home by closing it. Then I came across a local magazine and the cover was a Loan Bonding Corporation. The three main steps; 1. You submit an electronic application. E-mail: albakerloanfirm@gmail.com 2. Provide the correct means of identification as to whether your citizen holds an identity card or driving license and your bank account information. 3. The loan is processed, approved and transmitted. The long story was shortened, they helped get a loan at a fixed rate of 4% and modified with revised payments. They also gave their daughters a student loan to complete my college's full paycheck. We worked with Lasson's loan, who warned us about the progress of the whole world. he did all the paperwork, phone calls, etc. They did it all and we got a loan that we accept. When I agree to their loan terms and I submitted the details of my bank, I paid an affordable price for these services. We would not have been able to get it as simple and affordable as it was through their transformation process with our knowledge. I did not have time to thank you, so THANK YOU! I could not have asked a better team. I'm up to date on refinancing. Best for you, moving mortgage If you have a problem like us, contact a loan settlement corporation. They can work. Sincerely, Timothy and Maria Adopted on march 17, 2018 in Columbus, GA
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