Posted by: ayah.biz | Mac 26, 2008

Maybank Home & Shophouse Equity-i


 Antara produk terbaru dari Maybank. Berdasarkan konsep “diminishing partnership” atau terjemahannya yang lebih kurang bermaksud “pengurangan hak-milik”.

Dengan cara ini, anda membeli rumah dengan bank. Pembayaran balik secara bulanan dan setiap bayaran akan meningkatkan hak-milik anda di atas rumah tersebut.

Yang saya belum pasti,  sekiranya anda jual rumah lebih awal, sebarang untung dan rugi, adakah dikongsi bersama mengikut peratus pemilikan rumah di ketika itu.

Saya belum berbual dengan sesiapa yang membeli rumah dengan cara ini. Harap anda boleh berkongsi pengalaman.

-Ayah.biz-

HomeEquity-i & ShophouseEquity-i

The new way to own your dream home

HomeEquity-i is a new form of financing to acquire your dream home based on the Shariah concept of Musyarakah Mutanaqisah (diminishing partnership). You can enjoy the convenience and pleasure of owning your home.

How it works?
1. The customer and the bank enter into a “partnership” relationship by forming a joint venture to raise the capital to acquire a property.
2. The customer and the Bank become joint owner of the property and each will have its respective shares based on the ratio equivalent to the capital contribution.
3. The bank leases it share to the customer and by making monthly payments over an agreed period of time, the customer will gradually acquire the bank’s ownership.
4. Gradually, the bank’s share “diminishes” and the customer becomes 100% owner of the property.
Eligibility
Individuals who are between the ages of 21 and 60 years old.
Business enterprise
Features & Benefits of HomeEquity-i?
Up to 100% financing of Mortgage Takaful (MT) premium
No capitalisation of profit (compounding of monthly profits)
Settle monthly payments with ease and convenience through our extensive network of payment and delivery channels such as Maybank2u.com, M2U Mobile, Kawanku Phone Banking, Standing Instruction, Kawanku ATM, CDM and CQM or visit any of our branches.
Competitive financing rates and margin of financing.
Little documentation compared to other home financing plans.

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