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Amazing New Knockout Rates from AIA at 4.99% Fixed!!!
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MLD



Joined: 10 Jul 2007
Posts: 61
Location: Klang Valley

PostPosted: Tue Jul 10, 2007 11:07 am    Post subject: Amazing New Knockout Rates from AIA at 4.99% Fixed!!! Reply with quote

Amazing New Knockout Rates from AIA !!!!

Feb 17th 2009 Update.

********************************************************************






********************************************************************


Also New AIA Shop Loans are also available at 5.75% p.a. Fixed NZMC or 5.99% Fixed with ZMC!!
Scroll down to post no 4 for more info.




Important Note : -


* Loan To Value is also referred as the margin of financing (ie. the percentage of loan over the current market value/purchase price)

Benefits

* Flexible prepayment - Able to clear off loan much earlier by utilizing prepayments at any one time without any charges.

* Guaranteed fixed interest rate for the entire loan period or up to 30 years. Absolutely no fluctuations in interest rate. The one opportunity to lock in at these fantastic low fixed rates for up to 30 years.

* Assured financial planning and peace of mind. Fixed monthly repayment helps to plan and chart a clearer financial planning for the family as housing loan instalment is one of the highest loan commitments in the family.

* $ Daily Interest - Loan calculation based on daily interest.

* Definition of zero moving costs - Zero moving cost are fees that will be borne by AIA which includes only valuation fees, professional legal fees, stamp duty, discharge and disbursements (such as registration fees, land office and bankruptcy searches.) Other fees such as administration charges by developers etc are excluded.


Click here for the Terms & Conditions
**************************************************************

Don't Miss out on these fantastic offers! Email me at tzeyean.aia@gmail.com for more info or call 012-3272615 to arrange for a free mortgage consultation session!


AIA Home Loan FAQ
Guide to choosing a Home Loan


Last edited by MLD on Tue Feb 17, 2009 11:30 am; edited 55 times in total
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MLD



Joined: 10 Jul 2007
Posts: 61
Location: Klang Valley

PostPosted: Fri Jul 13, 2007 3:55 pm    Post subject: Reply with quote

Lock in period?

Prepayment is waived if settlement or partial settlement is from own savings, EPF or sale of property...else there will be a prepayment fee levied should the loan be refinanced within the 1st 5 years


Last edited by MLD on Wed May 14, 2008 1:40 am; edited 3 times in total
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MLD



Joined: 10 Jul 2007
Posts: 61
Location: Klang Valley

PostPosted: Thu Jul 19, 2007 11:52 pm    Post subject: Reply with quote

Additonal Info:

Is the interest rate going up or down?
No one can actually predict what the interest rate will be in the next twenty (20) to thirty (30) years. Historically, interest rates for home loans have certainly seen their share of ups and downs over the past years.

Analysis of the lending rate over the past twenty seven (31) years can only give us a historical guide of the interest rate cycle. Based on figures provided by Bank Negara (for the period between 1976 to 2007), the average Base Lending Rate (BLR) for commercial banks is 8+% a year with an average lending rate of 9+%.

Graph showing the analysis of lending rate over the past twenty (31) years. Source BNM statistics.




Flexibility in pre-payment.
Pre-payment or putting additional payments to reduce the loan amount, is important to provide more interest savings.

For example, if your instalment is RM1,321 for a loan of RM200,000 for twenty five (25) years, by paying an additional RM250 every month, it will shorten the loan tenure by seven and a half (7 1/2) years or save you RM66,408 in interest payments.

In AIA HOME LOAN the flexibility of pre-payment includes allowing customers to start paying monthly instalments during the period of progressive release for properties under construction. Customers can start paying instalments instead of just servicing progressive interests for the period of two to three (2-3) years which actually lengthens the loan period by the same period.

Why not unlock the value of your property?

Most of the homeowners can actually unlock the enhanced value of their property for additional cashout.

For example if the property purchased five (5) years ago is RM200,000 and the current market value is RM400,000, homeowners can refinance or request for an additional loan to unlock this value by getting additional loan for purposes of children’s education, investment into unit trusts such as Amanah Saham Bumiputera, renovations or other personal commitments and investments.
_________________
To know more about AIA's Home Loan packages and Mortgage Savings/Protection policies, call 012-3272615 or email tzeyean.aia@gmail.com for more details.


Last edited by MLD on Wed Nov 19, 2008 12:42 pm; edited 14 times in total
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MLD



Joined: 10 Jul 2007
Posts: 61
Location: Klang Valley

PostPosted: Fri Jul 20, 2007 2:31 pm    Post subject: Reply with quote

Shop Loan

Great news for owners of shop houses that wish to safeguard their investments against interest rate fluctuations. You can now do so by securing your shop house financing with AIA Fixed Rate Shop Loan. Hedge one of your biggest financial commitments to our fixed rate that no other Base Lending Rate (BLR) shop loan package can offer.



AIA Fixed Rate Shop Loan offers:

Protection to your investment against increasing interest rates.
Effective planning because your repayments are fixed.
Flexibility to pre-pay. The more you pay, the more you save.
Daily interest calculation for all packages.


AIA Shop Loan is available for:

Completed Shop Houses, New Purchase and Refinancing in selected areas located in Klang Valley and Selangor.

Current Interest Rates:
Fixed Rate 6.48% p.a. daily rest (Free processing fee)
(Guaranteed fixed for entire loan period)


Margin Of Financing (MOF)
New Purchase
(Up To) 70% of OMV or Purchase Price whichever is lower

Refinancing
- Cashout for legal fees & GMRTA premium (Up To) 70% - 80% of OMV
- Cashout for legal fees, GMRTA, investments and business commitments.(Up To) 60% - 70% of OMV

Minimum Loan : RM 300,000
Maximum Loan : RM2,500,000
_________________
To know more about AIA's Home Loan packages and Mortgage Savings/Protection policies, call 012-3272615 or email tzeyean.aia@gmail.com for more details.


Last edited by MLD on Tue Feb 17, 2009 11:37 am; edited 2 times in total
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jimc



Joined: 25 Jul 2007
Posts: 20

PostPosted: Fri Jul 27, 2007 8:12 pm    Post subject: Reply with quote

Hi, what about those 'under construction' property which under AIA approved list of panel developers? Will they eligible for the Merdeka offer - 5.99 % with zero moving cost?

Thanks.
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MLD



Joined: 10 Jul 2007
Posts: 61
Location: Klang Valley

PostPosted: Mon Jul 30, 2007 11:14 am    Post subject: Reply with quote

Hi Jimc,

The Merdeka Zero Moving Cost package is currently only available for Completed Residential Properties only.

For those projects under our approved panel of developers, you can still opt for our Low 5.99% Fixed Rate non zero moving cost package.

For more info, kindly reply me with your email at tzeyean82@yahoo.com or you can give me a call at 012-3272615.

Thanks. Best Regards.
_________________
To know more about AIA's Home Loan packages and Mortgage Savings/Protection policies, call 012-3272615 or email tzeyean.aia@gmail.com for more details.
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MLD



Joined: 10 Jul 2007
Posts: 61
Location: Klang Valley

PostPosted: Sat Aug 04, 2007 12:22 am    Post subject: Reply with quote

First post updated with AIA Home Loan's newest offer.

Here's the summary for the new Zero Moving Cost package:

Lowered minimum loan amount from RM250,000 to RM200,000.
Available to a few more major cities and towns.
Still the low 5.99% Fixed non-BLR rate for entire loan duration.


Contact me for more info. Thanks.
_________________
To know more about AIA's Home Loan packages and Mortgage Savings/Protection policies, call 012-3272615 or email tzeyean.aia@gmail.com for more details.
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jimc



Joined: 25 Jul 2007
Posts: 20

PostPosted: Sun Aug 05, 2007 7:45 pm    Post subject: Reply with quote

MLD wrote:
First post updated with AIA Home Loan's newest offer.

Here's the summary for the new Zero Moving Cost package:

Lowered minimum loan amount from RM250,000 to RM200,000.
Available to a few more major cities and towns.
Still the low 5.99% Fixed non-BLR rate for entire loan duration.


Contact me for more info. Thanks.



Hi,

Must I buy MRTA/MLTA from AIA if i get home loan from AIA? Can I get it from different vendor?

Thanks.
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MLD



Joined: 10 Jul 2007
Posts: 61
Location: Klang Valley

PostPosted: Mon Aug 06, 2007 1:13 pm    Post subject: Reply with quote

Hi jimc,

Since this is a unique Home Loan package from AIA, the policy must be from AIA only. Other than that, if you are an existing AIA policy holder, you are also allowed to assign any existing policy to the loan. This is provided that the sum assured is enough to cover the mortgage loan amount.

Hope that answers your question.

Thanks. Best Regards.
_________________
To know more about AIA's Home Loan packages and Mortgage Savings/Protection policies, call 012-3272615 or email tzeyean.aia@gmail.com for more details.
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jimc



Joined: 25 Jul 2007
Posts: 20

PostPosted: Tue Aug 07, 2007 2:04 am    Post subject: Reply with quote

MLD wrote:
Hi jimc,

Since this is a unique Home Loan package from AIA, the policy must be from AIA only. Other than that, if you are an existing AIA policy holder, you are also allowed to assign any existing policy to the loan. This is provided that the sum assured is enough to cover the mortgage loan amount.

Hope that answers your question.

Thanks. Best Regards.


Hi MLD,

An ING agent told me that AIA and ING has abolished this condition recently and they allowed their borrowers to purchase policy from other as long as the policy is assigned to their mortgage loan and sum assured is enough to cover their mortgage loan.

You may want to check with AIA loan department. My friend had just called and confirmed this.


Thanks.
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MLD



Joined: 10 Jul 2007
Posts: 61
Location: Klang Valley

PostPosted: Tue Aug 14, 2007 5:44 pm    Post subject: Reply with quote

jimc wrote:
MLD wrote:
Hi jimc,

Since this is a unique Home Loan package from AIA, the policy must be from AIA only. Other than that, if you are an existing AIA policy holder, you are also allowed to assign any existing policy to the loan. This is provided that the sum assured is enough to cover the mortgage loan amount.

Hope that answers your question.

Thanks. Best Regards.


Hi MLD,

An ING agent told me that AIA and ING has abolished this condition recently and they allowed their borrowers to purchase policy from other as long as the policy is assigned to their mortgage loan and sum assured is enough to cover their mortgage loan.

You may want to check with AIA loan department. My friend had just called and confirmed this.


Thanks.


Dear jimc,

I'm not sure how reliable is the info that the ING agent provided to you as I am unclear of ING's specific terms and conditions, as well as whom did your friend called and talked to.

But as far as AIA is concerned there was no such recent change, hence you are required to get a new policy from AIA only or assign an existing one if you're a AIA policy holder.

Hope that answers your question.

Thanks. Best Regards.
_________________
To know more about AIA's Home Loan packages and Mortgage Savings/Protection policies, call 012-3272615 or email tzeyean.aia@gmail.com for more details.


Last edited by MLD on Thu Oct 04, 2007 12:49 am; edited 1 time in total
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MLD



Joined: 10 Jul 2007
Posts: 61
Location: Klang Valley

PostPosted: Thu Aug 23, 2007 12:59 am    Post subject: Reply with quote

First post updated.

Summary:

Great news for home buyers!
Due to overwhelming response, AIA will be extending its free moving cost package after the 30th August deadline until further notice.

Contact me for more info. Thanks.
_________________
To know more about AIA's Home Loan packages and Mortgage Savings/Protection policies, call 012-3272615 or email tzeyean.aia@gmail.com for more details.
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MLD



Joined: 10 Jul 2007
Posts: 61
Location: Klang Valley

PostPosted: Sat Sep 01, 2007 2:30 pm    Post subject: Happy 50th Merdeka Malaysia! Reply with quote

AIA wishes to all a very Happy 50th Merdeka Malaysia!

For those whom are looking to refinance and want know how to save more money by lowering your instalment with AIA Fixed Rate Home Loan just provide the following details:

1. Current Monthly Instalment you're servicing.
2. How long have you been servicing the loan and How many more years to go.
3. Initial Loan amount and Current Outstanding Loan amount
4. House purchase price and estimated current house value.

Just that simple, provide me the details above and send it to tzeyean82@yahoo.com and I will come back to you asap with the best method to help you save more money!

Thanks. Best Regards.
_________________
To know more about AIA's Home Loan packages and Mortgage Savings/Protection policies, call 012-3272615 or email tzeyean.aia@gmail.com for more details.
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MLD



Joined: 10 Jul 2007
Posts: 61
Location: Klang Valley

PostPosted: Thu Sep 20, 2007 3:04 pm    Post subject: Reply with quote

Greetings,

Here's a few additional links for those interested to know more about AIA's Pure Fixed Rate Home Loan.

Guide to choosing a Home Loan

AIA Home Loan FAQ

Thanks, Best Regards.
_________________
To know more about AIA's Home Loan packages and Mortgage Savings/Protection policies, call 012-3272615 or email tzeyean.aia@gmail.com for more details.
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MLD



Joined: 10 Jul 2007
Posts: 61
Location: Klang Valley

PostPosted: Thu Oct 04, 2007 12:40 am    Post subject: The AIA's Fantastic Five! Reply with quote

Dear Value Customers!

Introducing 5 NEW Exciting AIA Fixed Rate Home Loan packages to best suited to your specific needs.

Kindly Refer to the first post for the Latest Updated Info.

Thank you. Best Regards.
_________________
To know more about AIA's Home Loan packages and Mortgage Savings/Protection policies, call 012-3272615 or email tzeyean.aia@gmail.com for more details.
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ongyinhoe



Joined: 20 Jul 2007
Posts: 72

PostPosted: Thu Oct 11, 2007 10:51 pm    Post subject: Reply with quote

AIA,

Email me ur package to oyh48@hotmail.com showing monthly repayment.

Property value = 145k
Loan-80%
25years
non-zero entry cost
flexi-loan
daily rest interest
look for fixed rate
pls state any hidden cost

Thanks.
ong
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MLD



Joined: 10 Jul 2007
Posts: 61
Location: Klang Valley

PostPosted: Wed Oct 31, 2007 11:31 pm    Post subject: Reply with quote

Info emailed to you Mr.Ong.

Kindly revert back to if you need any further help.

Thanks. Best Regards.
_________________
To know more about AIA's Home Loan packages and Mortgage Savings/Protection policies, call 012-3272615 or email tzeyean.aia@gmail.com for more details.
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MLD



Joined: 10 Jul 2007
Posts: 61
Location: Klang Valley

PostPosted: Wed Nov 14, 2007 5:17 pm    Post subject: Fixed versus Adjustable Rate conundrum Reply with quote

Dear Homeowners,

Here's an excerpt of an good article entitled "Choosing the best mortgage now. Fixed? Adjustable? Terms? Here how to make the decision"
By Jeanne Sahadi, CNNMoney.com senior writer.

NEW YORK (CNNMoney.com) -- Mortgage rates have stayed relatively low, but they are still considerably above rock-bottom levels reached two years ago, and many worry that they will ultimately head higher.

Fixed versus adjustable-rate conundrum

The question you should ask is, "How long will you be in the house?" You probably can't answer with absolute certainty, but you can play the odds.

Say, for example, you're single and buying a small condo but you can easily envision yourself married; or you've just started a family and plan to expand it at some point. Chances are good you'll want to trade up to a new home in five to seven years. On the other hand, maybe you've had your family and want to settle into a place with a good school system, which your kids will be using for the next 12 years.

Whatever the answer, it will help you decide whether it makes sense to get a fixed-rate or an adjustable-rate mortgage (ARM).

A fixed-rate mortgage locks in a rate for the length of your loan.

ARMs, meanwhile, are short-term fixed-rate loans: After the fixed rate term is up, the rate adjusts at regular intervals in accordance with current interest rate conditions at that time. A 5/1 ARM, for example, has a fixed rate for five years and then adjusts every year for the next 25 years. (ARMs typically run on a 30-year schedule.)

The length of the fixed-rate term on an ARM typically can range anywhere from one month to 10 years. The longer the rate is fixed, the higher the interest rate you'll get. But generally speaking -- and there have been exceptions in the past -- ARMs will cost you less in the short-term. With the ARM, both your monthly payments and interest rates should be lower than either a fixed rate 15-year or 30-year mortgage.

The risk with an ARM is that when interest rates rise, you could end up paying much more than you bargained for. "You're subject to the vagaries of the market," Gumbinger said. That's why in today's low-rate environment, he noted, "You want to maximize the fixed-rate picture to match your time frame."

If you know you'll be in a home for 12 years or more, a 30-year fixed rate mortgage might work better for you than, say, a 5/1 ARM, where you fix a rate for five years and then it adjusts every year after that. But if you think you won't be in the home longer than five or six years, a 5/1 ARM might make more sense.

Full Article at
..money.cnn.com/2006/11/03/real_estate/choosing_mortgage/index.htm?postversion=2007042715

Comments: Although the writer is speaking on a US's based economy perspective, it can also apply to our local economy as the rise in cost of living and inflation would indirectly result in the revision of the interests in the near future. Hopefully it will help you decide better on what type of loans to go for.
_________________
To know more about AIA's Home Loan packages and Mortgage Savings/Protection policies, call 012-3272615 or email tzeyean.aia@gmail.com for more details.
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on2920



Joined: 18 Jun 2007
Posts: 11

PostPosted: Mon Nov 19, 2007 12:16 am    Post subject: Questions Reply with quote

Hi,

1. Does ZMC of fully completed property and 100% disbursed loan, does it mean the penalty/switching costs is borne by AIA?

2. If my loan was 183k, can I refi it at 180k as an example?

3. If I already hv MRTA with AIA for this loan (but loan not with AIA), I dun hv to get another MRTA right?

4. If I already hv a policy with AIA (via the Cap Guaranteed product), do I still need to get another policy then?


Thanks,
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MLD



Joined: 10 Jul 2007
Posts: 61
Location: Klang Valley

PostPosted: Mon Nov 19, 2007 10:00 am    Post subject: Reply with quote

Dear on2920,

1. Definition of zero moving cost (ZMC) are fees that will be borne by AIA which includes only valuation fees, professional legal fees, stamp duty, discharge and disbursements (such as registration fees, land office and and bankruptcy searches). Other fees such as administration charges by developers or early exit penalties etc are excluded.

2. Most definitely, you'll just need to settle the difference with the financial institution.

3. Yes, you'll only have to reassign it back to AIA.

4. Provided the policy you have is enough to cover the loan amount. If yes, then you'll only have to reassign it should you not wish to obtain a new policy.

Hope that answers your queries. Feel free to ask should you have any further enquiries.

Thanks. Best Regards.
_________________
To know more about AIA's Home Loan packages and Mortgage Savings/Protection policies, call 012-3272615 or email tzeyean.aia@gmail.com for more details.
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MLD



Joined: 10 Jul 2007
Posts: 61
Location: Klang Valley

PostPosted: Sun Dec 09, 2007 6:42 pm    Post subject: Happy Holidays from AIA! Reply with quote

Dear homeowners,

Why not refinance your current home loans from other banks over to AIA at ZERO MOVING COSTS (ZMC) and instantly enjoy more savings via no legal fees, stamp duty, disbursement and valuation fees payable; and a lower & fixed monthly instalment to boot as well!

The perfect gift to yourself and loved ones this coming new year!

Call 012-3272615 for more info.

Best Regards.
_________________
To know more about AIA's Home Loan packages and Mortgage Savings/Protection policies, call 012-3272615 or email tzeyean.aia@gmail.com for more details.
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World IR



Joined: 17 Dec 2007
Posts: 430

PostPosted: Tue Dec 18, 2007 5:30 pm    Post subject: Reply with quote

can consider re-financing if rates is good

..worldofintegratedresorts.blogspot.com/
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MLD



Joined: 10 Jul 2007
Posts: 61
Location: Klang Valley

PostPosted: Tue Jan 08, 2008 4:28 pm    Post subject: Happy New Year Reply with quote

Dear Homeowners,

Happy New Year 2008!

If you're looking to refinance your properties and unlock the value of your house for the 2008, now is the time!

Refer to the first post for a range of loan packages for your selection or call me at 012 3272615 for a free consultation session.

Thanks. Best Regards.
_________________
To know more about AIA's Home Loan packages and Mortgage Savings/Protection policies, call 012-3272615 or email tzeyean.aia@gmail.com for more details.
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Yourdadisangry



Joined: 15 Aug 2005
Posts: 118
Location: Subang Indah

PostPosted: Wed Jan 09, 2008 10:48 am    Post subject: Reply with quote

MLD,

One of my property at TTDI Jaya is below $100k and am thinking of refinance it. AIA can accept this and give better offer? Am thinking of getting 120k loan so that I can use the extra for others.
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MLD



Joined: 10 Jul 2007
Posts: 61
Location: Klang Valley

PostPosted: Sun Jan 13, 2008 4:02 pm    Post subject: Reply with quote

Dear Yourdadisangry,

The min loan amount for AIA's Home Loan is RM100,000. Hence your property's market value needs to be worth at least more than that amount in order to qualify to the loan.

I'll need additional info from you before I can advise and offer you a quotation. Kindly contact me through email or call me at 012 3272615.

Thanks. Best Regards.
_________________
To know more about AIA's Home Loan packages and Mortgage Savings/Protection policies, call 012-3272615 or email tzeyean.aia@gmail.com for more details.
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