What Is It?
A tailored financing solution to help you secure the best mortgage with low interest rates and flexible terms.
- How It Works:
Assess your eligibility and financing needs.
Compare the lowest interest rates and best packages for interest savings.
Secure fast and reliable loan approval with expert guidance.
Housing Loan Process
Getting to Know You
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Warm Welcome & Understanding Your Needs
We start with a friendly consultation to understand your homeownership goals. Discuss your financial situation, future plans, and property preferences. Explain the loan process in Malaysia, ensuring clarity and confidence
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Gaining Clarity on Your Finances
Eligibility Assessment & ConsultationÂ
- Evaluate Your Financial Profile
- Assess income, employment status, and credit history.
- Determine eligibility based on Malaysia’s home loan regulations.
- Identify the best financing solutions (e.g., 90% + 5% loan packages).
Building Your Financial Vision
Loan Strategy & Financing Options
- Compare home loan offers from major Malaysian banks.
- Discuss MRTA vs. MLTA options for insurance coverage.
- Explore low deposit and government-assisted schemes (e.g., PR1MA, MyDeposit, HOC).
 Loan Application & Documentation
Application Submission
- Complete the home loan application with expert guidance.
- Ensure compliance with Malaysian banking requirements.
Document Collection & Verification
- Submit required documents (e.g., EPF statements, salary slips, CCRIS report, SPA).
- Liaise with banks for credit assessment and verification.
Loan Processing & Approval
Approval & Offer Letter
- Work with Malaysian banks to secure the best interest rates.
- Obtain loan approval and review the Letter of Offer (LO).
Agreement & Legal Procedures
- Sign the loan agreement and complete the legal process.
- Engage with solicitors for SPA stamping and title transfer.
Property Purchase & Loan Disbursement
Finalizing the Property Purchase
- Ensure loan disbursement to the developer/seller.
- Handle Memorandum of Transfer (MOT) and legal fees.
Ownership Transition
- Complete registration with the Land Office in Malaysia.
- Receive confirmation of homeownership.
Property Purchase & Loan Disbursement
Loan Repayment & Management
- Set up auto-payment for easy monthly installment management.
- Provide support for PTPTN, CCRIS, or CTOS-related issues affecting credit scores.
Future Financial Planning
- Offer refinancing options when better rates are available.
- Provide guidance on reducing loan tenure and interest costs.
Housing Loan Case Study
Ms. Evon Lee
Property Value: RM500,000
Objective: To purchase her first home in Kuala Lumpur with minimal financial burden.
Solutions
Provided by Credit Secure & SunCapital
Challenges
Limited savings for a large down payment.
Concerned about high-interest rates affecting long-term affordability.
Unsure about loan approval chances as a fresh graduate with a short credit history.Home Loan Strategy
Provided step-by-step guidance on loan eligibility and financing options.
Secured a 90% + 5% loan package, reducing her upfront cash requirement.
Negotiated a 3.4% interest rate, lower than typical market offerings.
Helped her strengthen her loan application profile, improving approval chances.Outcome & Benefits
Successful loan approval, allowing her to own her first property.
Lower down payment requirements, making homeownership more accessible.
Optimized loan terms to save on interest costs in the long run.
Gained financial confidence with professional guidance throughout the process.
At CreditSecure, we are here to guide you every step of the way for a smooth, transparent, and stress-free home financing journey in Malaysia, we provide comprehensive Housing Loan Solutions.
