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Planning to Buy Your Dream Home

23/09/2011 10:40
  Planning to Buy Your Dream Home   Are you looking to purchase your first home, but you don't know what to do first? The first step to owning your own home is to get a plan in place.     By planning ahead, you can be sure that you are ready to buy a home....

Some say CTOS is a blacklist yet there are those who say it is not. What is it really?

07/09/2011 04:49
Contrary to popular belief, the CTOS system is not a blacklist. The CTOS system is a “lead information system” and not a blacklisting system. The information presented in CTOS are only meant to be “information leads”.  Credit grantors examine and decide if these leads are of such material...

What Determines the Credit Score?

07/09/2011 04:35
Your credit score is a measure of factors that may affect your ability to repay credit. It’s a complex formula that takes into account how you’ve repaid previous loans, any outstanding debt, and your current salary. A credit score is dynamic and can change positively or negatively depending...

About the Credit Report

07/09/2011 03:54
The Credit Report incorporates the following credit information of a borrower: Outstanding Credit (s) All outstanding credit facility obtained by the borrower, either under -       (a) his own name;       (b) a joint name with another person;  ...

Real Property Gains Tax

06/09/2011 08:48
The Malaysia Government has proposed to reimpose 5% real property gains tax (RPGT) for gains arising from property disposal with effective Jan 1 2010, on property sold within five years of the date of purchase. The RPGT for the first year is 5% and is the same for the second, third, fourth and...

How to find a Good Mortgage

06/09/2011 01:36
There seem to literally be hundred of mortgage programs out there so how do I know which one is best for me? Finding the good mortgage program to fit your needs and your financial goals can be difficult to do unless you are working with the "right" mortgage professional and asking the "right"...

Four Steps to Slash Your Mortgage

06/09/2011 01:31
Here we have sets out surefire, stress-saving ways to reduce the financial impact of paying off a mortgage. In brief Here are the four simple steps that will see you home-loan-free years sooner: 1. Understand how your mortgages work The important element to understand about home loans...

Managing Your Mortgage

06/09/2011 01:22
Once your mortgage is in place, there are steps you can take to make sure it is always working for you as well as it can. In this section, you'll find information about: * Reviewing your mortgage * Consolidating other debts into your mortgage * Restructuring or switching Banks * Taking a...

When is it Right to Refinance?

06/09/2011 01:11
When is it Right to Refinance?     With everyone talking about the historically low BLR you are ready to decide if it 'pays' to refinance home...
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