In (3), we concluded that HB will have to fork out more money to own the house if it appreciates. This is a bigger burden compared to a mortgage where […]

3. HB is responsible for all 3rd party charges (eg. valuer, FMH platform? legal, trustee –may needed if there’re multiple investors). These charges should be higher than a normal mortgage […]

Should a home buyer (HB) get onboard? 1. The HB pays 20% upfront and nothing else for 5 years. FMH says the HB can spend or invest the money which […]

Should a home owner, investor and developer go for the scheme? As Tun said, the proof of the pudding is in the eating. Symphony has reviewed the scheme from publicly […]

Tomorrow is a historic day. It will be the first time that a budget is tabled by an alliance other than BN. All eyes are on PH’s first budget. It […]

Bank Negara Malaysia announced that effective 1 January 2019, banks must report any cash transaction exceeding RM25,000, a 50% reduction from the original RM50,000. This move is to tighten the […]

Charge is a common form of security taken by banks for granting a loan to the borrowers. When you charge your assets to the bank, you are called “Chargor” and […]

Remember PKFZ and the infamous letter of support? The courts recently found Port Klang Authority’s GM guilty in the PKFZ fiasco. PKFZ was supposed to be Malaysia’s Jebel Ali Free […]

As expected, Utusan has announced a VSS exercise for its staff. While the employees grapple with the question of whether they should take up the VSS offer, the key question […]

There was a lot of controversy regarding Felda’s land in Jalan Semarak where the land titles were transferred to a private company, Symphony Promenade (SP), who then came out with […]