Housing Loan : Long Term or Short Term

12 07 2009

Apabila ada nak apply housing loan, mana yang anda pilih?…short term atau long term? 15 tahun atau 30 tahun?…Agak ramai sekarang ni yang cenderung kepada short term. Bila ditanya “kenapa ambil short term”…jawabnya “takpelah, bayar tinggi sket monthly…asalkan cepat sket settle….bayar interest sikit”.

Biar saya tunjukkan sedikit kira2 untuk buat perbandingan.
Jumlah loan : RM150,000
Short term : 15 tahun
Long term : 30 tahun
Kalau kita ambil Long term loan sekalipun, tetapi kita buat bayaran extra yang mana jumlahnya sama seperti Short term loan, loan anda akan settle dalam 15 tahun…sama seperti Short term loan. Plus, interest paid to bank is almost the same.

Jadi kenapa patut ambil Long term?
*Kurang komitment dengan bank. Buat extra payment tiap2 bulan, tapi bila anda sesak atau perlukan duit, tak perlu buat extra payment, bayar ikut payment biasa….tak perlu pening kepala menanggung bayaran bulanan yang tinggi…enjoy la life sket.
*Kalau taknak buat extra payment, boleh invest ke tempat lain…cth ASB

Jadi, kalau nak pilih housing loan, pilih pakej yang anda boleh buat extra payment dari bulan pertama payment loan anda tu bermula. Sebab kebanyakan pakej mensyaratkan hanya selepas beberapa tahun baru anda boleh buat extra payment….kalau tak kena penalti.
Komen:from nobody
Salam Jika kita dpt membuat semaksimum mungkin long tenure/duration(new or refinance), ia akn menambah lg cashflow strength disebabkan mthly repayment semakin rendah. Jgn fikir dgn membuat loan tenure yg panjang kita akn menanggung pembayaran hutang yg cukup lama tetapi gunakan cashflow strenght yg kita perolehi utk memaksimumkan lg pelaburan/saving. Jangan risau dlm masa yg singkat dr tempoh loan, nilai pelaburan yg dibuat ini blh melangsaikan keseluruhan outstanding balance loan tersebut. Pakej housing loan yg ada dipasaran sekarang sgt menarik, BLR pun berada pd paras paling rendah dlm sejarah iaitu 5.55. Gunakan kesempatan ini utk mengurangkan mthly loan repayment. Byk bank menawarkan loan tenure yg pjg seperti Public bank sehingga 40thn atau umur maksimum sehingga 70thn. Kadar interest yg dikenakan oleh pihak bank sekarang adalah yg terendah dlm sejarah, ada yg menawarkan sehingga BLR-2.35 zero entry cost lg(note: depend on loan amount & property area). Bayangkan efektive interest yg dikenakan serendah 3.2% sthn (note: berubah-ubah mengikut BLR) kadang lbh rendah dr pinjaman kerajaan & staff bank punya loan. Jika property anda mungkin bermasalah utk refinance, write a letter to bank mintak revise interest rate to current pakage. Paling bagus kalau blhh apply loan & dptkan approval sahaja dr bank2 lain dahulu kemudian tunjukkan LO pd existing bank. Pd yg buat property investment, peluang begini jgn dilepaskan. Yg membeli property utk disewa inilah peluang utk mengurangkan loan instalment sekaligus menambahkan lg income margin dr sewaan tersebut. Utk yg focus on cash investment, extra money from house refinancing senang2 je buat untung atas angin kalau park kat ASB. Ingat, kunci utama perancangan kewangan(financial planning) adalah cashflow strength. Utilise & take advantage from all available facilities to increase ur cash flow strength.
July 11th, 2009




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