To own a house is one of the ultimate target in our life, to have a decent environment of living needs far more efforts than just purchase a house.
You walk into a show unit gallery, pick a house, done the purchase, put in all furniture and that’s called HOME. (Most of us gone thru this process)
You actually can put in little bit more effort and that’s make your HOME look more interesting and fun.
If you purchase a unit, and you let the ID professional specialist to helps you design the interior that suit best for you, YOUR HOME is something more interesting, and you’ll definitely have more fun living in it. Continue reading →
Everyone loves to have early retirement, even wish to retire before age 55 (Malaysia Standard retirement age). Some people might plan retirement before age 40. It is good to have such plan and thought, but have you really take action and plan for it. Continue reading →
Can you imagine to have a photography competition at a Premium Spanish Abodes, an Oasis of Palatial Splendour. An urban sanctuary abound with classic beauty and timeless elegance inspired by Mediterranean architecture.
Photo-shoot at a coveted life hallmarked by extravagant spaciousness, luxurious decor and utter serenity all within a 257-acre wide expanse filled with more than 300 different kinds of exotic flora and fauna, sound fun, isn’t it? Continue reading →
Maybe you’d read the “RICH Dad, POOR Dad” and many more motivational books in the market. You still wondering why RICH people always remain rich, while poor people remain in poverty. There are many reason behind this, let’s us read this story below, and discuss on this topic.
Long longtime ago (why must start like this?), there is a Landlord in a area visited a village. He found out that there only one family left in that village and he and his family very very poor, nothing growth from their farm. Landlord would like to offer help to this family. They actually ask for money from Landlord, but landlord give them a buffalo. Poor man (let’s name him as Adam), Adam don’t know why he ask for money and landlord gave them buffalo. Continue reading →
Personal loan is popular financial product in Malaysia. Major banks and financial institutions provide personal loan or personal financing product. Personal loan products are growing on yearly basis despite clampdown from Malaysian Central Bank. Typically, personal loan differs from other financial product such as credit card from calculation of interest basis. Interest of personal loan is usually calculated on flat rate basis where the published interest rates are much lower than the effective interest rates. The tenure of personal loan can be anywhere from 1 year to 10 years. As of 2013, Bank Negara has limit the maximum tenure of personal loan to be at 10 years. Personal loan is unsecured in Malaysia where no guarantor and collateral is needed. Despite this, applying for personal loan may not be an easy task. These days, personal loan approval process is very stringent with strict eligibility and credit score checking. To quality for personal loan, a borrower will need to be usually 21 years of age while not exceeding 60 years at the end of loan tenure. The minimum income is usually set at RM 2,000 while some banks may have much higher criteria. A stable employment and a good credit score , CCRIS and CTOS is a must. Applicant will also have to furnish supporting documentations such as latest salary statement and EPF statement. Having a long built trust relationship also helps with applying for personal loan. If you are keen to know how personal loan works in Malaysia, feel free to visit www.personalloan.com.my for the latest personal loan information and credit card promotion in Malaysia.