YEK Mortgage Solutions

🚗 Car loan. 💳 Credit cards. 💰 Personal loan.

Does having existing commitments mean you can’t buy a house? 🏠

Not necessarily.

Your home loan eligibility depends on more than just the number of commitments you have. Banks may consider your income, existing monthly repayments, credit profile and overall financial position.

Before assuming the answer is “No”, understand where you stand first.

📩 Planning to buy a home? Talk to YEK Mortgage Solutions for a loan eligibility review.
☎️ 04-305 6070
✅ wasap.my/+60104023288/
FREE face-to-face consultation
10AM–6PM Mon–Fri
📍 7-2, Vantage Point, Jalan Lenggong, Symphony Park 11600 Jelutong, Penang, Malaysia.

#买房投资 #买房 #买房那些事

🏡 Most people assume their spouse automatically owns the house if something happens to them.

The reality? It doesn't always work that way.

Without proper estate planning, your spouse may face unexpected legal complications when trying to:

• Sell the property
• Refinance the mortgage
• Transfer ownership

𝐂𝐨𝐧𝐭𝐚𝐜𝐭 𝐔𝐬 𝐟𝐨𝐫 𝐦𝐨𝐫𝐞 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐋𝐨𝐚𝐧 𝐢𝐧𝐟𝐨

☎️ 04-305 6070
✅ wasap.my/+60104023288/
FREE face-to-face consultation
10AM–6PM Mon–Fri
📍 7-2, Vantage Point, Jalan Lenggong, Symphony Park 11600 Jelutong, Penang, Malaysia.
#买房投资 #买房 #买房那些事
#槟城房地产

🏠 𝐑𝐞𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐧𝐠 𝐘𝐨𝐮𝐫 𝐇𝐨𝐦𝐞 𝐋𝐨𝐚𝐧 𝐢𝐧 𝐌𝐚𝐥𝐚𝐲𝐬𝐢𝐚
Want to review your current home loan package and see if there is a better option for you?

Refinancing may help you:
✅ Lower your monthly instalment
✅ Compare for a better rate / package
✅ Explore cash-out option for renovation or other approved needs

Before refinancing, it is important to review:
✅ Your current loan / financing package
✅ Lock-in period
✅ Legal and valuation fees
✅ Eligibility and property value

Thinking about refinancing your home loan in 2026? Let us help you review your options and understand what may suit your financial goals.

📩 𝐌𝐞𝐬𝐬𝐚𝐠𝐞 𝐮𝐬 𝐧𝐨𝐰 𝐟𝐨𝐫 𝐚 𝐩𝐫𝐞𝐥𝐢𝐦𝐢𝐧𝐚𝐫𝐲 𝐚𝐬𝐬𝐞𝐬𝐬𝐦𝐞𝐧𝐭.
General information only. Final loan approval is subject to the bank’s assessment, current policy, terms and conditions.

☎️ 04-305 6070
✅ wasap.my/+60104023288/
FREE face-to-face consultation
10AM–6PM Mon–Fri
📍 7-2, Vantage Point, Jalan Lenggong, Symphony Park, 11600 Jelutong, Penang, Malaysia.

#买房投资 #买房 #买房那些事
#槟城房地产

𝟓 𝐑𝐞𝐚𝐬𝐨𝐧𝐬 𝐭𝐨 𝐑𝐞𝐟𝐢𝐧𝐚𝐧𝐜𝐞 𝐓𝐨𝐮𝐫 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐋𝐨𝐚𝐧❓

𝐋𝐨𝐰𝐞𝐫 𝐈𝐧𝐭𝐞𝐫𝐞𝐬𝐭 𝐑𝐚𝐭𝐞𝐬: One of the primary motivations for refinancing is to take advantage of lower interest rates. If market interest rates have decreased since you initially obtained your loan, refinancing can allow you to secure a new loan with a lower interest rate. This can result in lower monthly repayments and potentially significant long-term savings on interest payments.

𝐑𝐞𝐝𝐮𝐜𝐞𝐝 𝐌𝐨𝐧𝐭𝐡𝐥𝐲 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬: Refinancing can be pursued to extend the loan tenure, leading to lower monthly repayments. While this may increase the overall interest paid over the life of the loan, it can provide immediate relief to your monthly budget, making it more manageable.

𝐃𝐞𝐛𝐭 𝐂𝐨𝐧𝐬𝐨𝐥𝐢𝐝𝐚𝐭𝐢𝐨𝐧: Refinancing can be used as a strategy to consolidate multiple debts into a single loan. By combining various high-interest debts into one loan with a potentially lower overall interest rate, individuals can simplify their financial obligations and reduce the financial strain associated with multiple payments.

𝐇𝐨𝐦𝐞 𝐄𝐪𝐮𝐢𝐭𝐲 𝐀𝐜𝐜𝐞𝐬𝐬: For homeowners with substantial equity in their properties, refinancing can be a means to access that equity. Through cash-out refinancing, individuals can borrow more than the existing mortgage balance and receive the excess amount in cash. This cash can be used for home improvements, debt consolidation, or other financial needs.

𝐅𝐨𝐫 𝐌𝐨𝐫𝐞 𝐈𝐧𝐟𝐨𝐫𝐦𝐚𝐭𝐢𝐨𝐧
☎️ 04-305 6070
✅ wasap.my/+60104023288/mortgageloanconsultation
FREE face-to-face consultation (10AM-6PM Mon-Fri)
📍 7-2, Vantage Point, Jalan Lenggong, Symphony Park 11600 Jelutong, Penang, Malaysia.

Penang Job Vacancies
📢 𝐖𝐞’𝐫𝐞 𝐇𝐢𝐫𝐢𝐧𝐠 – 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐁𝐚𝐧𝐤𝐞𝐫 & 𝐒𝐚𝐥𝐞𝐬 𝐀𝐝𝐦𝐢𝐧 📢
💵𝐏𝐞𝐫𝐬𝐨𝐧𝐚𝐥 𝐁𝐚𝐧𝐤𝐞𝐫 (RM3K ~ 6K)
💵𝐒𝐚𝐥𝐞𝐬 𝐀𝐝𝐦𝐢𝐧 (RM2.5K)

✨ 𝐑𝐞𝐪𝐮𝐢𝐫𝐞𝐦𝐞𝐧𝐭𝐬:
✔️ Minimum Diploma qualification
✔️ Age between 21 – 35 years old
✔️ Passion for finance, sales, and helping clients achieve their goals
✔️ Good communication & interpersonal skills

💼 𝐖𝐡𝐚𝐭 𝐖𝐞 𝐎𝐟𝐟𝐞𝐫:
✅ Professional training and career development
✅ Attractive incentives & performance-based rewards
✅ A dynamic and supportive team environment

📍 Location: 7-2, Vantage Point, Jalan Lenggong, Symphony Park 11600 Jelutong, Penang, Malaysia.
📩 To apply, please send your CV to wasap.my/+60104023288?text=facebook%vacancy%job

#槟城找工 #槟城工作

📢 𝐖𝐞’𝐫𝐞 𝐇𝐢𝐫𝐢𝐧𝐠 – 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐁𝐚𝐧𝐤𝐞𝐫 & 𝐒𝐚𝐥𝐞𝐬 𝐀𝐝𝐦𝐢𝐧 📢
💵𝐏𝐞𝐫𝐬𝐨𝐧𝐚𝐥 𝐁𝐚𝐧𝐤𝐞𝐫 (RM3K ~ 6K)
💵𝐒𝐚𝐥𝐞𝐬 𝐀𝐝𝐦𝐢𝐧 (RM2.5K)

✨ 𝐑𝐞𝐪𝐮𝐢𝐫𝐞𝐦𝐞𝐧𝐭𝐬:
✔️ Minimum Diploma qualification
✔️ Age between 21 – 35 years old
✔️ Passion for finance, sales, and helping clients achieve their goals
✔️ Good communication & interpersonal skills

💼 𝐖𝐡𝐚𝐭 𝐖𝐞 𝐎𝐟𝐟𝐞𝐫:
✅ Professional training and career development
✅ Attractive incentives & performance-based rewards
✅ A dynamic and supportive team environment

📍 Location: 7-2, Vantage Point, Jalan Lenggong, Symphony Park 11600 Jelutong, Penang, Malaysia.
📩 To apply, please send your CV to wasap.my/+60104023288?text=facebook%vacancy%job

#槟城找工 #槟城工作

🏠 𝐇𝐨𝐰 𝐌𝐮𝐜𝐡 𝐇𝐨𝐮𝐬𝐢𝐧𝐠 𝐋𝐨𝐚𝐧 𝐂𝐚𝐧 𝐘𝐨𝐮 𝐐𝐮𝐚𝐥𝐢𝐟𝐲 𝐅𝐨𝐫?

Your income is not the only factor banks will assess.

They will also review your:

✅ Monthly commitments
✅ CCRIS and credit profile
✅ Age and loan tenure
✅ Employment and income stability

Planning to buy your first home or upgrade to a new property? Let us help you get a quick estimate of your housing loan eligibility.

📩 𝐌𝐞𝐬𝐬𝐚𝐠𝐞 𝐮𝐬 𝐧𝐨𝐰 𝐟𝐨𝐫 𝐚 𝐩𝐫𝐞𝐥𝐢𝐦𝐢𝐧𝐚𝐫𝐲 𝐚𝐬𝐬𝐞𝐬𝐬𝐦𝐞𝐧𝐭.
Estimate only. Final loan approval is subject to the bank’s assessment, terms and conditions.
☎️ 04-305 6070
✅ wasap.my/+60104023288/

FREE face-to-face consultation
10AM–6PM Mon–Fri

📍 7-2, Vantage Point, Jalan Lenggong, Symphony Park, 11600 Jelutong, Penang, Malaysia.

#买房投资 #买房 #买房那些事
#槟城房地产

Thinking of buying a house in 2026? Before choosing your dream home, it is important to understand what your salary can realistically afford.

𝐊𝐞𝐲 𝐏𝐨𝐢𝐧𝐭𝐬 𝐇𝐨𝐦𝐞𝐛𝐮𝐲𝐞𝐫𝐬 𝐒𝐡𝐨𝐮𝐥𝐝 𝐊𝐧𝐨𝐰

𝐄𝐬𝐭𝐢𝐦𝐚𝐭𝐞𝐝 𝐇𝐨𝐮𝐬𝐞 𝐏𝐫𝐢𝐜𝐞 𝐛𝐲 𝐒𝐚𝐥𝐚𝐫𝐲
Your income gives you a rough guide on the property price range you may afford. However, the final loan approval still depends on your DSR, income profile, credit record, and existing commitments.

𝐌𝐨𝐧𝐭𝐡𝐥𝐲 𝐋𝐨𝐚𝐧 𝐁𝐞𝐧𝐜𝐡𝐦𝐚𝐫𝐤
A common guide is to keep your monthly housing loan around 30% of your net income. This helps you stay financially comfortable and avoid overcommitting.

𝐔𝐩𝐟𝐫𝐨𝐧𝐭 𝐂𝐨𝐬𝐭𝐬 𝐓𝐨 𝐏𝐫𝐞𝐩𝐚𝐫𝐞
The house price is only part of the budget. Homebuyers should also prepare for down payment, legal fees, stamp duty, renovation, moving costs, and emergency funds.

𝐖𝐡𝐚𝐭 𝐁𝐚𝐧𝐤𝐬 𝐂𝐡𝐞𝐜𝐤
Banks usually look at your DSR, net income, existing commitments, CCRIS record, repayment behaviour, and job stability before approving your home loan.

𝐌𝐚𝐢𝐧 𝐆𝐨𝐚𝐥
To help homebuyers understand their real affordability, plan their cash flow properly, and make smarter financing decisions before buying a property.

Buying a home is a big commitment. Always check your loan eligibility, monthly instalment, and cash-on-hand before making a decision.

𝐂𝐨𝐧𝐭𝐚𝐜𝐭 𝐔𝐬 𝐟𝐨𝐫 𝐦𝐨𝐫𝐞 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐋𝐨𝐚𝐧 𝐢𝐧𝐟𝐨
☎️ 04-305 6070
✅ wasap.my/+60104023288/

FREE face-to-face consultation
10AM–6PM Mon–Fri

📍 7-2, Vantage Point, Jalan Lenggong, Symphony Park 11600 Jelutong, Penang, Malaysia.

#买房投资 #买房 #买房那些事
#槟城房地产

Wishing everyone a peaceful and blessed Wesak Day. ☘️

🌙 Selamat Hari Raya Haji 🌙
Wishing you and your loved ones a blessed Hari Raya Haji filled with peace, happiness, and meaningful moments together.