One Stop Financial Services

Have You Ever

• Made Extra Payment Using EPF

• Made Extra Payment Using Fixed Deposit

• Made Extra Payment Using Savings

• Made Extra Payment Using Annual Bonus

• REFINANCE Your Home Loan

In order to SAVE Your Home Loan INTEREST?

KNOW YOUR HOME LOAN ？

• If you say “YES”, you may have thrown away THOUSAND of Extra Dollars in interest to Your Corresponding Lender due to lack of knowledge in The Truth of Mortgage Reduction Packages in Malaysia.

• Do you know where your EXTRA PAYMENT is paid to?

• Where does your hard earn money goes to?

$-

$200.00

$400.00

$600.00

$800.00

$1,000.00

$1,200.00

$1,400.00

$1,600.00

$1,800.00

$2,000.00

1 10 19 28 37 46 55 64 73 82 91 100 109 118 127 136 145 154 163 172 181 190 199 208 217 226 235 244 253 262 271 280 289 298 307 316 325 334 343 352 361

Series1

Series2

Installment Amoount$1,297.20

BLR: 6.75% Yearly

Tenure: 30 Years (360 Months)

Loan Amount$ 200,000.00

YOUR MORTGAGE LOANYOUR MORTGAGE LOAN

$-

$200.00

$400.00

$600.00

$800.00

$1,000.00

$1,200.00

$1,400.00

$1,600.00

$1,800.00

$2,000.00

1 10 19 28 37 46 55 64 73 82 91 100 109 118 127 136 145 154 163 172 181 190 199 208 217 226 235 244 253 262 271 280 289 298 307 316 325 334 343 352 361

Series1

Series2

Installment Amount$1,297.20

BLR: 6.75% Yearly

Tenure: 30Years(360Months)

Loan Amount$ 200,000.00

Monthly Installment $ 1,297.20 x 360 Months = $ 466,990.63

Loan Amount$ 200,00.00$ 200,00.00

Total Repayment

$ 466,990.63

$466,990.63 - $ 200,000 = $ 266,990.63$ 266,990.63 Total Interest

Interest

Monthly Installment$1,297.20

$-

$200.00

$400.00

$600.00

$800.00

$1,000.00

$1,200.00

$1,400.00

$1,600.00

$1,800.00

$2,000.00

1 10 19 28 37 46 55 64 73 82 91 100 109 118 127 136 145 154 163 172 181 190 199 208 217 226 235 244 253 262 271 280 289 298 307 316 325 334 343 352 361

Series1

Series2

Tenure: 30 Years ( 360 Months)

After Paying $77,832.00 for 5 YearsAfter Paying $77,832.00 for 5 Years

PENALTY will imposed if you Pay PENALTY will imposed if you Pay Off your Home Loan Within 5 Years Off your Home Loan Within 5 Years !!!!

Pay to principal $12,248.58$12,248.58

Interest Paid

$65,583.42

$200,000 LOAN AMOUNT LOAN AMOUNT ，，PAYMENT for PAYMENT for 5Years Years ($77,832.00), Outstanding BALANCE Outstanding BALANCE $187,751.42 (94%)

Monthly Installment$1,297.20

$-

$200.00

$400.00

$600.00

$800.00

$1,000.00

$1,200.00

$1,400.00

$1,600.00

$1,800.00

$2,000.00

1 10 19 28 37 46 55 64 73 82 91 100 109 118 127 136 145 154 163 172 181 190 199 208 217 226 235 244 253 262 271 280 289 298 307 316 325 334 343 352 361

Series1

Series2

TENURE: 30 YEARS(360 MONTHS)

YOUR MORTGAGE LOANYOUR MORTGAGE LOAN

INTEREST PAID $1,125.00

PRINCIPAL PAID $172.20

Monthly Installment$1,297.20

$-

$200.00

$400.00

$600.00

$800.00

$1,000.00

$1,200.00

$1,400.00

$1,600.00

$1,800.00

$2,000.00

1 10 19 28 37 46 55 64 73 82 91 100 109 118 127 136 145 154 163 172 181 190 199 208 217 226 235 244 253 262 271 280 289 298 307 316 325 334 343 352 361

Series1

Series2

TENURE: 30 YEARS(360 MONTHS)

Payment For 15 Payment For 15 YEARSYEARS ，， Total Total $233,496.00$233,496.00

PRINCIPAL PAID $63,043.92$63,043.92

INTEREST PAID

$170,452.08

$200,000 LOAN AMOUNT LOAN AMOUNT ，，PAYMENT FOR PAYMENT FOR 15YEARSYEARS($233,496), Outstanding Balance Outstanding Balance $136,956.08 (73%)

• After Paying for 15 Years ， Total of $233,496.00, Outstanding Balance will be $136,956.08 (73%)

• After Paying for 21 Years, Total Of $326,894.40, Outstanding Balance will be $100,000.00 (50%)

• You Have to Spend 2.16 times of your hard earn money to PAY OFF your Home Loan

Your Mortgage Loan Of $200,000 for30 Years ，BLR 6.75% ， Monthly Rest ，

Monthly Installment Of $1,621.50 ；

Do You Know That 。。。

WHY LIKE THAT ？

FIRST ，Let me used the Amortization Schedule to

show you something that the Lender does not want you to know 。

• Amortization Schedule

Flexi Loans Flexi Loans Term LoansTerm Loans

Islamic LoansIslamic LoansGovernmentGovernment LoansLoansPrincipal ReductionPrincipal ReductionPartial PrepaymentPartial Prepayment

PROPERTY + LOANPROPERTY + LOAN == LIABILITY LIABILITY == DEBT DEBT

Want to CHANGE ， Released from DEBT

•Do you think property will give you profit if interest are added in ？

•The pricing for property increased, it is comparable to the interest that we paid ？

• Are we invest in property or invest in the interest that we paid ？

The only way to release from debt and to reduce to huge The only way to release from debt and to reduce to huge amount of interest that we pay isamount of interest that we pay is

PAY MOREPAY MORE

or

REDUCE THE LOAN AMOUNT

$-

$200.00

$400.00

$600.00

$800.00

$1,000.00

$1,200.00

$1,400.00

$1,600.00

$1,800.00

$2,000.00

1 10 19 28 37 46 55 64 73 82 91 100 109 118 127 136 145 154 163 172 181 190 199 208 217 226 235 244 253 262 271 280 289 298 307 316 325 334 343 352 361

Series1

Series2

Installment$1,621.50

BLR: Yearly6.75%

TENURE: 360 Months

Loan Amount$ 250,000.00

Monthly Installment $ 1,621.50 x ( 360 Months ) = $ 583,738.29

Total Interest

$ 333,783.29$ 333,783.29

Loan Amount $ 250,00.00$ 250,00.00

Total Repayment

$ 583,738.29

1. Excess Payment 2. Advance Payment 3. Principal Reduction 4. Partial Prepayment

1. Excess Payment

Current Account

Loan Account

Extra Payment$2,000.00(+378.50)

(+378.50)

$1,621.50

Flexi Loans

inverse order of maturity

$-

$200.00

$400.00

$600.00

$800.00

$1,000.00

$1,200.00

$1,400.00

$1,600.00

$1,800.00

$2,000.00

1 10 19 28 37 46 55 64 73 82 91 100 109 118 127 136 145 154 163 172 181 190 199 208 217 226 235 244 253 262 271 280 289 298 307 316 325 334 343 352 361

Series1

Series2

Installment$1,621.50

BLR: YEARLY6.75%

TENURE: 360 MONTHS

Loan Amount$ 250,000.00

Installment $ 1,621.50 x 360 Months = $ 583,738.29 Total Repayment

Total Interest

$ 333,783.29$ 333,783.29

Loan Amount$ 250,00.00$ 250,00.00Total Repayment

$ 583,738.29

1. Excess Payment 2. Advance Payment 3. Principal Reduction 4. Partial Prepayment

2. Advance Payment

Suspense Account

Loan Account

Extra Payment$2,000.00(+378.50)

(+378.50)

$1,621.50

Term Loansinverse order of maturity

$-

$200.00

$400.00

$600.00

$800.00

$1,000.00

$1,200.00

$1,400.00

$1,600.00

$1,800.00

$2,000.00

1 10 19 28 37 46 55 64 73 82 91 100 109 118 127 136 145 154 163 172 181 190 199 208 217 226 235 244 253 262 271 280 289 298 307 316 325 334 343 352 361

Series1

Series2

Installment Amount$1,621.50 BLR: 6.75% Monthly Rest

TENURE: 360 MONTHS

Loan Amount$ 250,000.00

- 10,000.00$ 240,000.00

TOTAL REPAYMENT$ 250,000 ( 333,783.29) VS $ 240,000 ( 320,388.76)

Total Interest

$ 333,783.29$ 333,783.29$ 320,388.76$ 320,388.76

$ 250,00.00$ 250,00.00Principal $ 240,00.00$ 240,00.00

1. Excess Payment 2. Advance Payment 3. Principal Reduction 4. Partial Prepayment

3. Principal Deduction

Request for Pricipal Deduction $10,000

Difference $ 13,394.53

Term LoansFlexi Loans

$-

$200.00

$400.00

$600.00

$800.00

$1,000.00

$1,200.00

$1,400.00

$1,600.00

$1,800.00

$2,000.00

1 10 19 28 37 46 55 64 73 82 91 100 109 118 127 136 145 154 163 172 181 190 199 208 217 226 235 244 253 262 271 280 289 298 307 316 325 334 343 352 361

Series1

Series2Monthly Installment$1,621.50

TENURE: 360 MONTHS

LOAN AMOUNT$ 250,000.00

Total Interest

$ 333,783.29$ 333,783.29

Loan Amount$ 250,00.00$ 250,00.00

1. Excess Payment 2. Advance Payment 3. Principal Reduction

2. Advance Payment

Suspense Account

EXTRA PAYMENT$10,000.00(+8378.50)

Request Principal Deduction$10,000

1. Excess PaymentCurrent Account

(+8378.50)

(+8378.50)

3. Principal Reduction

$-

$200.00

$400.00

$600.00

$800.00

$1,000.00

$1,200.00

$1,400.00

$1,600.00

$1,800.00

$2,000.00

1 10 19 28 37 46 55 64 73 82 91 100 109 118 127 136 145 154 163 172 181 190 199 208 217 226 235 244 253 262 271 280 289 298 307 316 325 334 343 352 361

Series1

Series2

Installment amount$1,297.20

BLR: Yearly6.75% Monthly Rest

TENURE: 360 MONTHS

Loan Amount$ 200,000.00

Shorten the Tenure ，Save Interest ！

Shorten the period of pay off 。

Loan Amount$ 200,00.00$ 200,00.00

4. Partial Prepayment

Extra Payment$10,000.00

Shorten of 50 Months

Total Interest

$ 266,990.63$ 266,990.63$ 211,619.06$ 211,619.06$$ -55,371.57 -55,371.57

8,378.50

Balance ofBalance of310 310 monthsmonths

The Power of Partial Prepayment

Save$56,777.86

Partial Prepayment

www.bnm.gov.my

Banking info. Housing Loans Page 11.

PARTIAL PREPAYMENT OF THEOUTSTANDING LOANMany borrowers find it useful to shorten the

loan tenure by making partial prepayment with surplus savings or annual bonus. However, some financial institutions may impose restrictions on the amount to be pre-paid while others may impose a penalty. It is extremely effective in reducing the interest charges you would have to pay if prepayments are made during the early years.

One Stop Financial Services

NOW YOU CAN SAVE UP TO 90% OF YOUR HOME LOAN

INTEREST?