Articles · Loan guides
Plain guides to borrowing in Malaysia.
Practical explanations of how banks assess loan applications, how instalments are calculated and what to consider before you apply.
General information to help you prepare. It is not financial advice, and every bank applies its own criteria.
Loan guides
Cash-out refinance in Malaysia: when it makes sense
A cash-out refinance can release equity from a property you already own, but it also puts your home behind a larger, longer loan. Here is how it works, what it costs, and how banks assess it.
Flat rate vs reducing balance: what your instalment really costs
A 6% flat rate and a 6% reducing-balance rate are not the same price. A worked example on a RM50,000 personal loan over 5 years shows the difference and what to ask the bank.
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