Online Applications Available!
1 Hours Pre-Assessment & 3 Working Days to get Letter Of Offer*
ING Home Loan (ING Malaysia Mortgage Agents)
Malaysia 4.85% Fixed Rate For Life! No BLR, No worries!
Call or sms Contact and Loan Amount to
+6012 233 8369 & +6012 207 5570 or
apply@inghomeloan.info
chat SKYPE hong0122338369 or MSN hong0122338369@hotmail.com
Take advantage of ING Home Loan (ING Malaysia Mortgage Agents) rates now that guarantees one interest fixed rate throughout the entire duration of the loan. You'll have the assurance of owning your home at the end of the tenure.
ING Home Loan - (ING Malaysia Mortgage Agents) refinance package is the process of paying off a portion or the entire amount of the existing loan with the intention of obtaining another loan from the same or another financial institution secured by the same property.
The Benefits of Fixed Rate ING Home Loan RefinancING Malaysia :
- Lower Your Repayment (Cut your monthly loan repayment)
- Shortern Your Loan Term (Enables you to build equity in your homes faster)
- Consolidate Your Debt (Pay off your high-interest debt with the right loan)
Frequently Asked Questions
Q : Is ING Home Loan (ING Malaysia Mortgage Agents) a special "package" for agents / policyholders?
ING Malaysia : No. It is available to all who are eligible. The applicant need not be a policyholder/agent to qualify.
Q : What is the ING Home Loan (ING Malaysia Mortgage Agents) all about?
ING Malaysia : It is a fixed Rate Housing Loan provided by ING Insurance Berhad. The interest rate is truly fixed for the whole duration of the loan.
Q : How can I benefit from ING Home Loan (ING Malaysia Mortgage Agents)?
ING Malaysia : ING Home Loan (ING Malaysia Mortgage Agents) can be used to part finance purchase of a completed or under construction residential property. You can also use ING Home Loan (ING Malaysia Mortgage Agents) to refinance your existing housing loan from any financial institution.
Clients : What Fixed Rate ING Home Loan margin of finance is available?
ING Malaysia :
| Completed | Under construction | |
| Landed properties ie.terrace house, bungalows, etc. | 90% | 90% |
| Non landed properties ie. Condominiums, apartments, etc. | 90% | 80% |
Clients : How does refinancing work?
ING Malaysia : You have an existing housing loan with another financial institution. We are able to extend a loan of up to 90% of the property's open market value to firstly, settle all outstanding amount with the said financial institution, and thereafter, the balance (if any will be given to you for renovation, children's education, etc).
Clients : What type of property must I have? Is it applicable for uncompleted properties?
ING Malaysia : We are able to finance all types of residential properties. The property may be completed or even under construction (as per ING’s list). Please call +6012.207.5570 for details of the under construction list.
Clients : I am interested in a property that is outside the Klang Valley/Selangor. Is it eligible under ING Home Loan (ING Malaysia Mortgage Agents)?
ING Malaysia : ING Home Loan (ING Malaysia Mortgage Agents) is able to finance residential properties located anywhere in Malaysia. It is preferred that these properties by in Klang Valley, Ipoh, Penang, Seremban, Malacca, Johor Bahru and Kuching.
Clients : What interest rate is applicable?
ING Malaysia : The interest rate can be as low as 4.85% per annum, depending on the type of property, location, construction risk and whether fees are borne by the customer. Please call +6012.207.5570 tan for the latest interest rate.
Clients : How do I qualify to ING Home Loan (ING Malaysia Mortgage Agents)?
ING Malaysia : The general guideline is the installment must be within 50% of your monthly income.
Clients : What is the installment like for ING Home Loan (ING Malaysia Mortgage Agents)?
ING Malaysia : It is dependent upon the loan amount, loan tenure and interest rates.
Clients : What do you mean by fixed rate ING Home Loan (ING Malaysia Mortgage Agents)?
ING Malaysia : It means that the interest rate charged on your loan will not change over the duration of the loan.
Clients : How many years can I borrow Fixed Rate ING Home Loan?
ING Malaysia : As long as 30 years or up to age 65 on ING Home Loan (ING Malaysia Mortgage Agents) loan maturity whichever is earlier. The average age of the applicants servicing the loan is taken for applications with more than one applicant.
Clients : Do I need to purchase any insurance for ING Home Loan (ING Malaysia Mortgage Agents)?
ING Malaysia : As part of the loan requirement, the applicant will have to purchase ING's Group Mortgage Decreasing Term Assurance (MDTA) or the ING Life policy that matches the loan. In addition, the property must be protected by ING's Houseowners Insurance.
Clients : How much is the ING Home Loan (ING Malaysia Mortgage Agents) processing fee?
ING Malaysia : This is waived for all ING Home Loan (ING Malaysia Mortgage Agents) applications.
Clients : What are these two insurances ING Home Loan (ING Malaysia Mortgage Agents)?
ING Malaysia : The ING Group Mortgage Decreasing Term Assurance (MDTA is a policy that pays off the outstanding principal loan in the unfortunate event of death or total permanent disability). This policy ensures your family will not be left to shoulder the burden of servicing the loan repayments. You only pay the premium once before the loan is released.
Our Houseowner Policy protects your home from fire and other perils. You may also choose to insure the household contents under our Householder's Insurance available at competitive rates.
Clients : What is the premium for the MRTA ING Home Loan (ING Malaysia Mortgage Agents)?
ING Malaysia : It is dependent upon the loan amount, loan tenure, construction period and interest rate, age and health condition of the applicant's.
Clients : Tell me more about the life policy ING Home Loan (ING Malaysia Mortgage Agents).
ING Malaysia : You may take up ING's life or term policy that covers death and total permanent disability. The policy must be absolutely assigned to us and at least match the loan amount, loan term and construction period.
Clients : What about prepayment for
ING Home Loan (ING Malaysia Mortgage Agents)?
ING Malaysia : Prepayment in part or in whole is permitted at any time during the duration of the loan. However prepayment in whole full settlement as a result of refinancing before the first five years from the first disbursement of the loan is subject to a penalty of 0.35% per annum on the amount prepaid and the remaining loan term. Thereafter, no penalty is charged. Refinancing is an act of transferring your loan out of ING to another institution.
Clients : Will I receive any rebate should I prepay for ING Home Loan (ING Malaysia Mortgage Agents)?
ING Malaysia : There is no physical refund as "rebate" is given to the borrower in the form of reduced interest costs. After the required notice given, interest on the loan will be recalculated on the following month based on the reduced loan balance, which translates to a shorter loan period since monthly loan installments remain the same after prepayment.
Clients : What about legal fees for ING Home Loan (ING Malaysia Mortgage Agents)?
ING Malaysia : The applicant has a choice of paying all legal fees and charges incurred for the loan documentation or allowing ING to pay. Should ING bear the legal fees and charges incurred for the loan documentation as well as the valuation report fee, an additional 0.4% per annum is added to the prevailing interest rate.
Clients : Can I appoint my own lawyers for ING Home Loan (ING Malaysia Mortgage Agents)?
ING Malaysia : The lawyers must be those within the Mortgage Division's panel of lawyers to handle the loan documentation. ING Home Loan (ING Malaysia Mortgage Agents) There is no restriction on the lawyers for the sale & purchase agreement.
Clients : What documents do I need to submit together with my application for ING Home Loan (ING Malaysia Mortgage Agents)?
ING Malaysia : A copy of following documents are required for fast approval of your loan.
Clients : Is there a minimum Fixed Rate ING Home Loan sum? Please clarify.ING Malaysia : Minimum loan sum is currently RM100,000. The minimum loan amount applies for any one property. You cannot combine two loans to total RM100,000.
(*) If Approved By ING Mortgage
ING Home Loan (ING Malaysia Mortgage Agents)
Malaysia 4.85% Fixed Rate For Life! No BLR, No worries!
Call or sms Contact & Loan Amount to
+6012 233 8369 & +6012 207 5570 or apply@inghomeloan.info
chat SKYPE hong0122338369 or MSN hong0122338369@hotmail.com