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AIA Home Loan - The lowest Fixed Rate 6.25% - Get it now

 
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Fazrul Izwan



Joined: 05 Apr 2005
Posts: 1

PostPosted: Tue Apr 05, 2005 6:07 pm    Post subject: AIA Home Loan - The lowest Fixed Rate 6.25% - Get it now Reply with quote

Hello everyone, I'm Fazrul Izwan and my partner Suraya Hani, we are registered agents from AIA.

We offer you personalised consultations on AIA Home Loan at your convinience.


AIA Home Loan 6.25% p.a. (fixed rate)

- Peace of Mind ~ No BLR fluctuations ~ guaranteed fixed until the end of loan period

- Pay off, sell off anytime ~ no penalty

- Personalised consultation at your convinience

- Fast approval ~ within 2 weeks

- Free Processing Fee

- New loan & refinancing available



::: up to 90% loan amount :::

::: up to 30 years tenure :::




Please call us for personalised consultations:

Fazrul Izwan( 016-371 0282 )
Mortgage Advisor

Suraya Hani ( 013-394 3001 )
Mortgage Advisor



Also available at 6.55% with free processing, legal and valuation fee



---------------------------------

terms & conditions apply
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vijayesh



Joined: 26 Feb 2005
Posts: 1
Location: UK England

PostPosted: Sun May 15, 2005 10:10 pm    Post subject: Would I qualify Reply with quote

Dear Agent, Hope you are well. I have a loan with Std Chartered outstanding mortage about RM150K. Will I be able to apply for another house loan for about $400K ? My salary is abt RM420K per year. I work in the UK. Thank you. Vijay
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Banzai



Joined: 25 Oct 2004
Posts: 3367

PostPosted: Mon May 16, 2005 12:57 am    Post subject: Reply with quote

Holy crap, i thought mine is high. Is that gross or net?
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wing7



Joined: 27 Apr 2005
Posts: 12

PostPosted: Mon May 16, 2005 6:30 pm    Post subject: Reply with quote

Damn!..

Wondering what are your doing...RM 420K yearly salary.

Can share? how to earn more money, Banzai
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Banzai



Joined: 25 Oct 2004
Posts: 3367

PostPosted: Mon May 16, 2005 9:16 pm    Post subject: Reply with quote

dude, i'm not getting anywhere close to 420k which is why i asked Razz (if you're asking vijayesh, forgive me for 'perasan').

Anyway, it's not surprising when you convert foreign currency into RM. Ringgit is so puny.
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denise lee



Joined: 16 May 2005
Posts: 16
Location: kl

PostPosted: Wed May 18, 2005 5:54 am    Post subject: Reply with quote

tat's about 4k++ to 5K sterling pound per month.
i hv a friend earning around 4k per month and she's an audit senior.
i guess 4k to 5k may be in the managerial post.

however, tat depends what field/industries he's in lah.
i want to know too Wink
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denise lee



Joined: 16 May 2005
Posts: 16
Location: kl

PostPosted: Wed May 18, 2005 5:57 am    Post subject: Reply with quote

just so tat you can compare easily, an audit senior in KL fetches around RM3K++ (more or less).
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Banzai



Joined: 25 Oct 2004
Posts: 3367

PostPosted: Wed May 18, 2005 8:06 am    Post subject: Reply with quote

denise, wow you must be in the auditing field since you seem pretty updated with the market rates.

Typical lah that Malaysia's under-paying. I find it next to impossible to save money with that salary which is why i left. Is it easy to save money in UK? I can get away with saving a fair amount in Singapore. Well not these days anyway since i am on a shopping spree.
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mercuri



Joined: 03 May 2005
Posts: 4599
Location: KL

PostPosted: Wed May 18, 2005 10:36 am    Post subject: Reply with quote

I think if u are a medical professional, u could well earn more than 5k sterling pounds a month. (basic salary, on top of that u could opt to work as a locum and earn more!) Razz

Downunder, working in a rural setup earns u roughly 250k AUD per annum, but tax takes half the cut (sliding), but u end up with RM 362.5k Exclamation with today's exchange rates Very Happy
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Banzai



Joined: 25 Oct 2004
Posts: 3367

PostPosted: Wed May 18, 2005 11:17 am    Post subject: Reply with quote

Wonder what are plumbers fetching. There was an article in the papers that says plumbers in UK make more than PhDs.
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denise lee



Joined: 16 May 2005
Posts: 16
Location: kl

PostPosted: Sun May 22, 2005 2:21 am    Post subject: Reply with quote

Banzai wrote:
denise, wow you must be in the auditing field since you seem pretty updated with the market rates.

Typical lah that Malaysia's under-paying. I find it next to impossible to save money with that salary which is why i left. Is it easy to save money in UK? I can get away with saving a fair amount in Singapore. Well not these days anyway since i am on a shopping spree.


Hehe....yeah....i was.
But i quit about 4 years ago. Now, i am studying for Options Trading.....hoping to test out the market soon!

Saving money in UK?
For eg., Vijayesh has gross income of 60k pounds p.a.
Taxes will be about 16K.....or about 15K if he's married.
Left with abt 45K....tat's around 3,750 pounds per month.

There is still National Insurance contribution...which i am not sure how much.

With that salary, if you are an average-spending person, i guess you can save at least 1K to 2K !

Other factors such as whether you are renting a room or a house......has property and is paying loan and council tax and etc etc......

To make a comparison for clearer picture,
my aunt lives in london, has a family of 5 person...including 2 kids and a mother in law.
the whole family income....is just a mere 1,200 pounds !!!
with loan installment, council tax, food, etc etc....
and they still survive.....though no savings!

well....i am in the midst of comparing Spore income with UK income....will update you later!
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Banzai



Joined: 25 Oct 2004
Posts: 3367

PostPosted: Sun May 22, 2005 2:34 am    Post subject: Reply with quote

Singapore's income tax is low.

.://..iras.gov.sg/ESVPortal/resources/formb1workingsheet.doc
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wing7



Joined: 27 Apr 2005
Posts: 12

PostPosted: Tue May 24, 2005 1:00 pm    Post subject: Reply with quote

Your expression on the statement "Holy crap, i thought mine is high."make me feel you are higher earner ..

What do you do for living..? share share lah.. , jangan malu-malu.

Ya, i am agreed with Banzai for the cheaper tax in Singapore.why..? i am working in Singapore. but then not really sure about details Malaysia income tax.

Sad to hear that deneese lee... you quit your proffession for another, well.. doesn't really matter, as long as you can earn much more on the new job. Wish you good luck
I once thought of entering properties as well...
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Banzai



Joined: 25 Oct 2004
Posts: 3367

PostPosted: Thu May 26, 2005 7:57 am    Post subject: Reply with quote

I work in a financial institution.

There's a comparison done of tax levels for various countries for tax payable if the income is equivalent to SGD100k. This research, if not mistaken, is done by Deloitte Touche Tohmatsu. Income in RM and GBP are about the highest tax payable.
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