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1 Hours Pre-Assessment & 3 Working Days to get Letter Of Offer*

ING Home Loan-Mortgage Agents Malaysia 4.85% Fixed Rate For Life! No BLR, No worries!
Call or sms Contact and Loan Amount to
+6012 233 8369 or +6012 207 5570
apply@inghomeloan.info

Steps to Getting a ING Home Loan in Malaysia

Having decided to commit yourself to buying a house, next is to scout around for the financing for the house.
Things to note when looking for a loan
Rates
Flexibility in terms of the early repayment, changes to loan structure
The standard of service provided

Assessing your needs
Loan amount required
Loan tenure
Monthly instalment

Requirements for eligibility
Must be a Malaysian or Malaysian permanent resident in of at least 21 years of age
Must not be a bankrupt or currently sued by any other party
Income and creditworthiness

For fast approval, please bring along the original and photocopy of the following documents

Property Documents / Info
A copy of Sales & Purchase Agreement (original to be submitted to the lawyers upon loan acceptance)
A copy of Land Title (compulsory for completed properties)
Certificate of Fitness for completed properties purchased directly from the developer

For refinancing cases (if applicable)
Latest Loan Statement 12 months

Personal Documents / Info

2 copies IC (both sides in one page)
2 copies Passport & work permit (for foreigners)

Financial Documents / Info

For Employed
6 months pay slips of 6 months commission statement
6 months - Bank statements (for pay credited into account)
Latest 1 year – EA form
Latest 1 year - BE form
1 year - KWSP / EPF Statements
EA Form from previous employer (for change of employment)
Letter of appointment (for newly employed)

For Self Employed
Latest 1 year - B form
Latest 2 years - Audited Accounts / Trading Accounts
Form 24 & 49 & Comapony Registration
Business Registration Form (A/D)
6 months - Bank Statements (personal account)
12 months - Bank Statements (company account)

Acceptance of loan applications
Upon acceptance of the home loan application , you will receive a letter of offer and the bank’s lawyer will prepare the necessary loan documentation. You will be notified to sign the documents once they are ready and you will be required to pay the legal fees, stamp duty, disbursement, insurance premium and valuation charges (if any). Lastly once this documentation is completed, the bank will release the loan and pay the seller/developer in accordance with the terms of the SPA.

Download Application Form

ING (malaysia) home loan rate

ING I Income Protection

ING Child Business Capital

ING I-Income can make a difference to your financial Security that lasts a lifetime

Invest into a solid financial plan today and reap the benefits of a secure future tomorrow. ING I-Income can make a difference to your financial future.

It is a plan that comes with a guarantee is yours to enjoy even up to the age of 82.

What are the benefits offered?

Insurance protection

• You will get extra protection on top of your insured amount for death4 and total permanent disability4 caused by accidents.

• Upon death, an added 25% of the initial insured amount will be given as funeral expenses.

• Covers death and total permanent disability. Coverage will be increased to 110% of the initial insured amount from 11th policy year onwards..

Guaranteed annual cash payments

• Each cash payment is 4% of the initial insured amount and is guaranteed throughout the policy duration.

• Payable yearly from the end of 10th policy year up to its maturity at age 82.

• As an example, for an initial insured amount of RM 100,000; the annual cash payment will be RM 4,000.

Dividend payments

• Annual cash dividends are payable yearly into your policy from the end of 2nd year onwards. You can either cash it out or accumulate it to earn interest with ING.

• Apart from the annual cash payments, your policy also gives you the opportunity to earn more in the form of non-guaranteed dividends.

• Meanwhile terminal dividend is payable only upon policy termination or maturity.

Conversion Privilege

• Premium duration is for 20 years.

• However if you exercise the Conversion Privilege (to convert the policy to Fully Paid-up3), the premium payment term will be shortened to 10 years.

1 Also known as Interim Cash Payment in the policy contract.

2 Terms and conditions apply.

3 All riders attached (except for CTPDB rider covering for disability) will be terminated when Conversion Privilege is exercised.

4 Coverage for accidental death is up to age 70 while accidental total permanent disability is up to age 65.

This write-up only contains a brief description of the product. It is recommended that you read the ING I-Income brochure and request for a copy of the ING Quotation System Illustration to know more about this plan. For a detailed explanation of its benefits, exclusions, terms and conditions, you are advised to refer to the policy contract.