Online Applications Available!
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 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.

MOF LANDED 90% (Unless Stated Otherwise) MOF NON-LANDED 80% (Unless Stated Otherwise)

As at: March 2008

LIST OF PROJECTS ACCEPTED BY ING HOME LOAN

MOF LANDED 90% (Unless Stated Otherwise) MOF NON-LANDED 80% (Unless Stated Otherwise)

As at: March 2008

LIST OF PROJECTS ACCEPTED BY ING HOME LOAN

MOF LANDED 90% (Unless Stated Otherwise) MOF NON-LANDED 80% (Unless Stated Otherwise)

As at: March 2008

LIST OF PROJECTS ACCEPTED BY ING HOME LOAN

MOF LANDED 90% (Unless Stated Otherwise) MOF NON-LANDED 80% (Unless Stated Otherwise)

As at: March 2008

LIST OF PROJECTS ACCEPTED BY ING HOME LOAN

MOF LANDED 90% (Unless Stated Otherwise) MOF NON-LANDED 80% (Unless Stated Otherwise)

As at: March 2008

LIST OF PROJECTS ACCEPTED BY ING HOME LOAN

MOF LANDED 90% (Unless Stated Otherwise) MOF NON-LANDED 80% (Unless Stated Otherwise)

As at: March 2008

*Panel Developers - To Be Updated

Lets you retire from work but not from life

Retirement should be free from daily trivia, with freedom to live our days as we please. With wise planning, we all can retire to celebrate an exciting new chapter of our lives.

If you prefer investments that are less risky, or you need diversity in your current investments or if you have not started any form of retirement planning, ING I-Retire is meant for you. This is a plan with a short premium paying duration of 20 years or up to age 60, whichever is earlier.

ING I-Retire not only gives you more flexibility to reach for the dreams you aspire but it can also aid in offering security to your family. Retirement is definitely easier with ING I-Retire.

Some of the plan’s features are option to vary premium/ sum insured, fund switching, investment top up, fund withdrawals and premium holiday.

Benefits:

• Life protection and total and permanent disability coverage - sum insured is 20 times the annual retirement income;

• Maturity benefit – the lump sum maturity benefit consists of the insured amount and non-guaranteed dividends in the form of accumulated cash dividend (if any) and terminal dividend (if any);

• Annual retirement income (appx 5.00% of sum insured) – you get to determine the amount of retirement income during policy inception, in multiples of RM 120;

• Annual cash dividends (appx 7.5% of sum insured)– the amount will be declared yearly but is not guaranteed;

• Terminal dividends – the amount is not guaranteed and will be payable upon termination or maturity of policy;

• Family income benefit – payable annually for a maximum of 20 years if death or total and permanent disability happens before or upon age 45. The number of annual payment reduces if death or disability occurs after 45, but before age 65. More details on how this works, can be found in the policy contract.

This income is described as the Interim Cash Payment in the policy contract

This write-up contains only a brief description of the product and is therefore recommended to be read together with I-Retire’s brochure. However, for a detailed explanation of its benefits, exclusions, terms and conditions, you are advised to refer to the policy contract.

Calculate Your Retirement Business Fund

ING Female Care Maternity - Pregnancy Complication Insurance

The answer to every woman healthcare need
Women play many different roles in today society. From the woman who celebrating her youth to the one who is at the prime of motherhood, each has a unique story with many challenges ahead of her.

ING Unit Linked Female Care and UL Female Care Plus riders are created to provide protection and security to women. Attached to the ING Prime Life Insurance plan, these funded riders cover specific female illnesses. In addition, the UL Female Care Plus rider covers maternity benefits.

For the woman who is about to start her first job or one who’s planning a family, these female riders are the perfect solution for her. It is the answer to every woman healthcare need.

BENEFITS:
• Female specific illnesses
• Includes certain early stage cancers! This includes carcinoma-in-situ
of the breast, uterus, cervix uteri, ovary, fallopian tube, vagina, vulva,
lung and colorectal.
• Facial reconstruction due to accidents
• Maternity benefits for UL Female Care Plus rider.

ING FEMALE CARE

ING Easi For Women and Pregnancy Complication Insurance

Contact Us

Premium Direct Debit From Your Bank Account

At ING, we always strive to make the complexities of life easier. That’s why Bank Account Direct Debit allows you to pay your life insurance premium on time and without hassle. Discover how much easier your life could be. Sign up now to get your Mystery Gift* & stand a chance to win Lucky Draw Prizes*.

Participate Local and Foreign Bank

Bank Islam • Bank Simpanan National • CIMB Bank • CITIBANK • Deutsche Bank • Hong Leong Bank • HSBC Bank • Maybank • OCBC Bank • Public Bank • RHB Bank • Standard Chartered Bank • ING Malaysia HomeLoan

*Terms and conditions apply.

Fund Close at 28 August 2009

Due to the current economic uncertainty, many are fleeing away from the investment market. Wat about you? With ING Premier Recovery Plan, you are about to discover reasons that may compel you to stay.

ING Premier Recovery Plan is a Malaysian Ringgit - deniminated structured fund with a maturity period of 5 years that invests in an Austrarian Dollar - denominated Notes issued by ING Bank N.V. It is a close-ended fund that is offered for a limited period of 45 days only.

• 100% return of your Capital (from here onwards to be known as Austririan Dollar nominal amount) upon maturity.

• Converted Ringgit Malaysia (RM) to Australian Dollar (AUD).

• Opportunity to participate into currency exchange benefits.

• Fixed annual Coupon in the first 4 years of the plan duration.

• Potential additional retunrs at maturity from the recovery of global markets.

• Limited to maximum 5 years investment period.

• Participate into Energy, Technology, Finance & Trades

• 1 Time Management Fees Charged for whole investment Tenure.

• Free insurance protection on DEATH & DISABILITY upto Max 125%

• No exit Fee (during middle of investment time)

• Dynamic investment strategy

• Proffesional fund managers

Contact

Terms&Conditions Apply

INGEasi For Family

Advantages & Disadvantages of Life Products

Traditional Life Product Limitations
• Sum assured and premium are 100% linked up
An increase in premium will lead to a corresponding increase in sum assured. There is no way for policyholders to directmore money towards investment due to this direct link.

• There is no choice of investment
All investment is participated in the Company’s Life fund, where investment is governed by Bank Negara’s guideline. This applies to all policyholders irrespective of their age and risk profile The policyholder does not have any choice in deciding which investment portfolio they wish to invest in. The above constraints make traditional product very inflexible to meet customers’ needs.

Flexibilities Of Unit Linked Products
• Flexibility in determining the amount of sum assured and premium.
Policyholders Decide on the premium (minimum   annual premium of RM1500) depending on their current financial capability and subsequently they can increase/reduce the premium based on their affordability. The same applies to the sum assured.

• Premium top-up to improve investment yield
Policyholders can top-up their premium anytime on ad-hoc basis or on a  fixed interval basis (scheduled top-up).As a result of this, the account value of the plan will be expanded for potentially better yield.

• Choice of fund(s)
Policyholders decide on their preferred fund(s) depending on their risk appetite, investment horizon and financial goal. Policyholders can make fund switching as and when necessary.

SMS or CALL +6012 207 5770

Suggestion: Suitable for those who under employed for them to start a new family.

1. Lowest premium with highest financial protection covered
a. DEATH
b. DISABILITY
c. CRITICAL ILLNESS
d. PERSONAL ACCIDENT
e. MONTHLY INCOME
f. HOSPITAL INCOME

for whole life income protection

LAST CALL - HURRY UP!!!

Enjoy a shorter premium payment period of 12 years* for INCOME & LIFE protection up to age 100

Guaranteed annual CASH PAYMENT OF 6% payable starting from end of policy year 12

Built-in Living WAIVER OF PREMIUM Benefit rider whereby future premiums will be waived in the event the life insured is diagnosed with critical illness before age 70

FUNERAL EXPENSES of 5% of sum assured or RM10,000 whichever is lower

ENGLISH

BAHASA MALAYSIA

CHINESE

DISCLAIMER