Fixed Rate for your Housing Loan

PRODUCT BRIEF “ Fixed Rate throughout the whole Loan Tenure for Better Financial Planning” 4.85% p.a. (Fixed Rate) Non Zero Moving Cost package (NZMC)

5.25% p.a. (Fixed Rate) Zero Moving Cost package (ZMC)

(AIA Mortgage Save / Mortgage Invest)

AIA Mortgage Save – A revolutionary home loan that generates guaranteed cash savings and protection*. AIA Mortgage Invest – A rewarding home loan that yields investment returns for retirement and protection*. * Other Terms and Conditions apply. Margin of Financing (MOF) • MOF is based on Open Market Value (OMV) or purchase price whichever is lower for new purchase. • OMV shall be based on the valuation report prepared by AIA panel of valuers. New Purchase (Up To) 90% Landed Properties 80% Non-Landed Properties Refinancing (Up to) 80% Landed Properties 80% Non-Landed Properties (Note: Exceptions can be considered on a case by case basis. MOF is subject to the discretion of AIA Bhd.)

Loan Tenure

Up to 30 years or age 65 whichever is earlier. Minimum Loan: RM 100,000

Who can apply? • Individual Malaysian Citizens or permanent residents. • For Self Employed - The business established for at least 3 years and operating profitability for the past 3 years. Documents Required

For Individual: • Copy of Identity Card • Last 3 months Payslips • Last 3 years Income Tax (Borang J with tax payment receipt) • Letter from Employer (if current employment is less than 6 months) • Sale & Purchase Agreement / Booking Receipt (S & P Date)

For Business: • Copy of Identity Card • Business Registration / Form 24 & 49 • Last 3 years Financial Statement • Last 6 months Current Account Statement • Last 3 years Income Tax (Borang B with tax payment receipt) • Sale & Purchase Agreement / Booking Receipt (S & P Date) Processing Fee • Waived for all package Mode of Payment • AIA Cashiers (AIA Branches) • Standing Instruction with Maybank • Online www.maybank2u.com • Maybank Cashiers

Late Payment Penality • 1% p.a. on the amount in arrears Lock-In Period • 5 years from date of 1st drawdown (for refinancing only) or a prepayment fee of 0.35% of outstanding loan (Min 2%, Max 4%). For ZMC – pay back MC & other incidental costs. • No prepayment fee imposed if prepayment is done via own savings, EPF withdrawal &/or sale of property except for refinancing.

AIA Mortgage Save / Invest • Enjoy the benefits of AIA Mortgage Save – a home loan that generates guaranteed cash and protection. • Enjoy the benefits of AIA Mortgage Invest – a home loan that yields investment returns and protection.

Major Risks None as interest rate is fixed and not subject to fluctuation of the prevailing market interest rate.

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Please contact me at e-mail: fungnt@gmail.com for more information

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