![](\"https:\/\/huayang.com.my\/main\/wp-content\/uploads\/2019\/10\/banner-buyer-02.jpg\")
<\/div>\r\n\t<\/div>\t\r\n\tBuyer's Guide<\/p>\r\n\t\t\t\t\t\t
Private Sector Loan Application<\/h3>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t\t\r\n\t\t\t\t\t\r\n\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t- Steps to Own a Home<\/a><\/li>\n
- Private Sector Loan Application<\/a><\/li>\n
- Goverment Loan Application<\/a><\/li>\n
- EPF Withdrawal Procedure<\/a><\/li>\n
- FIC Guidelines<\/a><\/li>\n
- Malaysia, My Second Home<\/a><\/li>\n
- Loan Calculator<\/a><\/li>\n\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t<\/div>\r\n<\/div>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=”stretch_row” css=”.vc_custom_1571884551544{background-color: #f7f7f7 !important;}”][vc_column][vc_empty_space height=”35px”][vc_row_inner][vc_column_inner width=”1\/2″][vc_column_text css_animation=”fadeIn” el_class=”private-sector-top”]<\/p>\n
A panel of bankers have been appointed to provide loans to those who qualify, but the final decision lies with you as you are free to choose any bank\/finance company of your choice.<\/h4>\n
[\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/2″][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=”35px”][vc_column_text css_animation=”fadeIn” el_class=”custom-ol-style”]<\/p>\n
The documents required to apply a loan are:<\/span><\/h4>\n\n- Original copy of the Sale and Purchase Agreement<\/strong><\/li>\n
- Copy of the title deed<\/strong>, if available<\/li>\n
- Photocopy of your IC<\/li>\n
- A copy of your last 3 month\u2019s pay or your last 6 month\u2019s bank statement<\/strong> (if self-employed)<\/li>\n
- Letter of confirmation on income and years of service<\/strong> from your employer<\/li>\n
- A copy of Income tax return\/EA form<\/strong> for the past 3 years<\/li>\n<\/ol>\n
[\/vc_column_text][vc_empty_space height=”35px”][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=”Sequence of Loan Processing” font_container=”tag:h3|text_align:left|color:%23b4181d” google_fonts=”font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal” css_animation=”fadeInUp” css=”.vc_custom_1571930702387{padding-top: 20px !important;padding-bottom: 35px !important;}”][vc_row_inner el_class=”loan-processing”][vc_column_inner width=”1\/2″][vc_column_text css_animation=”fadeInUp”]<\/p>\n
01<\/h1>\n
Submission of loan application form with the necessary documents.<\/p>\n
[\/vc_column_text][vc_column_text css_animation=”fadeInUp”]<\/p>\n
02<\/h1>\n
Interview by bank\/finance company.<\/p>\n
[\/vc_column_text][vc_column_text css_animation=”fadeInUp”]<\/p>\n
03<\/h1>\n
Letter of Offer upon approval from bank\/finance company.<\/p>\n
[\/vc_column_text][vc_column_text css_animation=”fadeInUp”]<\/p>\n
04<\/h1>\n
The Letter of Offer fully signed by you as acceptance of the offer and returned to the bank\/finance company with a copy to the developer.<\/p>\n
[\/vc_column_text][vc_column_text css_animation=”fadeInUp”]<\/p>\n
05<\/h1>\n
Bank\/finance company\u2019s letter of instruction to their solicitor to prepare the loan document which may be either:<\/p>\n
a) Deed of Assignment and Loan Arrangement (for Strata Units); or<\/p>\n
b) Memorandum of Transfer Form 14A and Charge Form (Landed units with individual titles).<\/p>\n
[\/vc_column_text][vc_column_text css_animation=”fadeInUp”]<\/p>\n
06<\/h1>\n
Letter from bank\/finance company advising you to execute loan documents at solicitor\u2019s office.<\/p>\n
[\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/2″][vc_column_text css_animation=”fadeInUp”]<\/p>\n
07<\/h1>\n
Loan documents forwarded to bank\/finance company for execution.<\/p>\n
[\/vc_column_text][vc_column_text css_animation=”fadeInUp”]<\/p>\n
08<\/h1>\n
Loan documents returned to solicitors who will forward to developer for execution of Memorandum of Transfer.<\/p>\n
[\/vc_column_text][vc_column_text css_animation=”fadeInUp”]<\/p>\n
09<\/h1>\n
Executed loan documents returned to solicitor for stamping and registration.<\/p>\n
[\/vc_column_text][vc_column_text css_animation=”fadeInUp”]<\/p>\n
10<\/h1>\n
Stamped loan documents forwarded to bank\/finance company for safe keeping.<\/p>\n
[\/vc_column_text][vc_column_text css_animation=”fadeInUp”]<\/p>\n
11<\/h1>\n
A copy each is given to purchaser and developer.<\/p>\n
[\/vc_column_text][vc_column_text css_animation=”fadeInUp”]<\/p>\n
12<\/h1>\n
Bank\/finance company will release payments to developer progressively in accordance to the Third Schedule of the Sale and Purchase Agreement upon receipt of our invoice.<\/p>\n
[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"
[vc_row full_width=”stretch_row_content_no_spaces” el_class=”buyer-guide-banner-row”][vc_column][vc_column_text][\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=”stretch_row” css=”.vc_custom_1571884551544{background-color: #f7f7f7 !important;}”][vc_column][vc_empty_space height=”35px”][vc_row_inner][vc_column_inner width=”1\/2″][vc_column_text css_animation=”fadeIn” el_class=”private-sector-top”] A panel of bankers have been appointed to provide loans to those who qualify, but the final decision lies with you as you are free to choose any bank\/finance company of your choice. [\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/2″][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=”35px”][vc_column_text css_animation=”fadeIn” el_class=”custom-ol-style”] The documents required to apply a<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":233,"menu_order":14,"comment_status":"closed","ping_status":"closed","template":"template-buyer-guide.php","meta":[],"_links":{"self":[{"href":"https:\/\/huayang.com.my\/main\/wp-json\/wp\/v2\/pages\/310"}],"collection":[{"href":"https:\/\/huayang.com.my\/main\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/huayang.com.my\/main\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/huayang.com.my\/main\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/huayang.com.my\/main\/wp-json\/wp\/v2\/comments?post=310"}],"version-history":[{"count":29,"href":"https:\/\/huayang.com.my\/main\/wp-json\/wp\/v2\/pages\/310\/revisions"}],"predecessor-version":[{"id":2245,"href":"https:\/\/huayang.com.my\/main\/wp-json\/wp\/v2\/pages\/310\/revisions\/2245"}],"up":[{"embeddable":true,"href":"https:\/\/huayang.com.my\/main\/wp-json\/wp\/v2\/pages\/233"}],"wp:attachment":[{"href":"https:\/\/huayang.com.my\/main\/wp-json\/wp\/v2\/media?parent=310"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
- \r\n\t\t\t\t\t\t\t
- Steps to Own a Home<\/a><\/li>\n
- Private Sector Loan Application<\/a><\/li>\n
- Goverment Loan Application<\/a><\/li>\n
- EPF Withdrawal Procedure<\/a><\/li>\n
- FIC Guidelines<\/a><\/li>\n
- Malaysia, My Second Home<\/a><\/li>\n
- Loan Calculator<\/a><\/li>\n\t\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<\/div>\r\n\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t<\/div>\r\n<\/div>[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=”stretch_row” css=”.vc_custom_1571884551544{background-color: #f7f7f7 !important;}”][vc_column][vc_empty_space height=”35px”][vc_row_inner][vc_column_inner width=”1\/2″][vc_column_text css_animation=”fadeIn” el_class=”private-sector-top”]<\/p>\n
A panel of bankers have been appointed to provide loans to those who qualify, but the final decision lies with you as you are free to choose any bank\/finance company of your choice.<\/h4>\n
[\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/2″][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=”35px”][vc_column_text css_animation=”fadeIn” el_class=”custom-ol-style”]<\/p>\n
The documents required to apply a loan are:<\/span><\/h4>\n
- \n
- Original copy of the Sale and Purchase Agreement<\/strong><\/li>\n
- Copy of the title deed<\/strong>, if available<\/li>\n
- Photocopy of your IC<\/li>\n
- A copy of your last 3 month\u2019s pay or your last 6 month\u2019s bank statement<\/strong> (if self-employed)<\/li>\n
- Letter of confirmation on income and years of service<\/strong> from your employer<\/li>\n
- A copy of Income tax return\/EA form<\/strong> for the past 3 years<\/li>\n<\/ol>\n
[\/vc_column_text][vc_empty_space height=”35px”][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=”Sequence of Loan Processing” font_container=”tag:h3|text_align:left|color:%23b4181d” google_fonts=”font_family:Roboto%3A100%2C100italic%2C300%2C300italic%2Cregular%2Citalic%2C500%2C500italic%2C700%2C700italic%2C900%2C900italic|font_style:700%20bold%20regular%3A700%3Anormal” css_animation=”fadeInUp” css=”.vc_custom_1571930702387{padding-top: 20px !important;padding-bottom: 35px !important;}”][vc_row_inner el_class=”loan-processing”][vc_column_inner width=”1\/2″][vc_column_text css_animation=”fadeInUp”]<\/p>\n
01<\/h1>\n
Submission of loan application form with the necessary documents.<\/p>\n
[\/vc_column_text][vc_column_text css_animation=”fadeInUp”]<\/p>\n
02<\/h1>\n
Interview by bank\/finance company.<\/p>\n
[\/vc_column_text][vc_column_text css_animation=”fadeInUp”]<\/p>\n
03<\/h1>\n
Letter of Offer upon approval from bank\/finance company.<\/p>\n
[\/vc_column_text][vc_column_text css_animation=”fadeInUp”]<\/p>\n
04<\/h1>\n
The Letter of Offer fully signed by you as acceptance of the offer and returned to the bank\/finance company with a copy to the developer.<\/p>\n
[\/vc_column_text][vc_column_text css_animation=”fadeInUp”]<\/p>\n
05<\/h1>\n
Bank\/finance company\u2019s letter of instruction to their solicitor to prepare the loan document which may be either:<\/p>\n
a) Deed of Assignment and Loan Arrangement (for Strata Units); or<\/p>\n
b) Memorandum of Transfer Form 14A and Charge Form (Landed units with individual titles).<\/p>\n
[\/vc_column_text][vc_column_text css_animation=”fadeInUp”]<\/p>\n
06<\/h1>\n
Letter from bank\/finance company advising you to execute loan documents at solicitor\u2019s office.<\/p>\n
[\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/2″][vc_column_text css_animation=”fadeInUp”]<\/p>\n
07<\/h1>\n
Loan documents forwarded to bank\/finance company for execution.<\/p>\n
[\/vc_column_text][vc_column_text css_animation=”fadeInUp”]<\/p>\n
08<\/h1>\n
Loan documents returned to solicitors who will forward to developer for execution of Memorandum of Transfer.<\/p>\n
[\/vc_column_text][vc_column_text css_animation=”fadeInUp”]<\/p>\n
09<\/h1>\n
Executed loan documents returned to solicitor for stamping and registration.<\/p>\n
[\/vc_column_text][vc_column_text css_animation=”fadeInUp”]<\/p>\n
10<\/h1>\n
Stamped loan documents forwarded to bank\/finance company for safe keeping.<\/p>\n
[\/vc_column_text][vc_column_text css_animation=”fadeInUp”]<\/p>\n
11<\/h1>\n
A copy each is given to purchaser and developer.<\/p>\n
[\/vc_column_text][vc_column_text css_animation=”fadeInUp”]<\/p>\n
12<\/h1>\n
Bank\/finance company will release payments to developer progressively in accordance to the Third Schedule of the Sale and Purchase Agreement upon receipt of our invoice.<\/p>\n
[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"
[vc_row full_width=”stretch_row_content_no_spaces” el_class=”buyer-guide-banner-row”][vc_column][vc_column_text][\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=”stretch_row” css=”.vc_custom_1571884551544{background-color: #f7f7f7 !important;}”][vc_column][vc_empty_space height=”35px”][vc_row_inner][vc_column_inner width=”1\/2″][vc_column_text css_animation=”fadeIn” el_class=”private-sector-top”] A panel of bankers have been appointed to provide loans to those who qualify, but the final decision lies with you as you are free to choose any bank\/finance company of your choice. [\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/2″][\/vc_column_inner][\/vc_row_inner][vc_empty_space height=”35px”][vc_column_text css_animation=”fadeIn” el_class=”custom-ol-style”] The documents required to apply a<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":233,"menu_order":14,"comment_status":"closed","ping_status":"closed","template":"template-buyer-guide.php","meta":[],"_links":{"self":[{"href":"https:\/\/huayang.com.my\/main\/wp-json\/wp\/v2\/pages\/310"}],"collection":[{"href":"https:\/\/huayang.com.my\/main\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/huayang.com.my\/main\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/huayang.com.my\/main\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/huayang.com.my\/main\/wp-json\/wp\/v2\/comments?post=310"}],"version-history":[{"count":29,"href":"https:\/\/huayang.com.my\/main\/wp-json\/wp\/v2\/pages\/310\/revisions"}],"predecessor-version":[{"id":2245,"href":"https:\/\/huayang.com.my\/main\/wp-json\/wp\/v2\/pages\/310\/revisions\/2245"}],"up":[{"embeddable":true,"href":"https:\/\/huayang.com.my\/main\/wp-json\/wp\/v2\/pages\/233"}],"wp:attachment":[{"href":"https:\/\/huayang.com.my\/main\/wp-json\/wp\/v2\/media?parent=310"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
- Copy of the title deed<\/strong>, if available<\/li>\n
- Private Sector Loan Application<\/a><\/li>\n