{"id":19,"date":"2026-07-08T07:11:21","date_gmt":"2026-07-08T07:11:21","guid":{"rendered":"https:\/\/ncgsolution.com.my\/mortgage-loan\/"},"modified":"2026-07-23T15:01:39","modified_gmt":"2026-07-23T07:01:39","slug":"mortgage-loan","status":"publish","type":"page","link":"https:\/\/ncgsolution.com.my\/zh\/mortgage-loan\/","title":{"rendered":"\u623f\u5c4b\u8d37\u6b3e"},"content":{"rendered":"<p><img decoding=\"async\" alt=\"Home loan and mortgage refinancing in Malaysia\" src=\"https:\/\/images.unsplash.com\/photo-1560518883-ce09059eeffa?auto=format&amp;fit=crop&amp;w=1600&amp;q=70\" \/><\/p>\n<p>\u9996\u9875 \/ \u670d\u52a1 \/ \u623f\u5c4b\u8d37\u6b3e<\/p>\n<h1>\u623f\u5c4b\u8d37\u6b3e\u4e0e\u518d\u878d\u8d44<\/h1>\n<p>\u4f4e\u81f3 3% \u5e74\u5229\u7387\u3001\u6700\u957f 35 \u5e74\u3002\u5c31\u7b97\u60a8\u4e0a\u4e00\u6b21\u623f\u8d37\u7533\u8bf7\u88ab\u62d2\u4e5f\u53ef\u4ee5\u8c08\u3002\u6211\u4eec\u5728 20+ \u5bb6\u94f6\u884c\u5e2e\u60a8\u4e89\u53d6\u66f4\u597d\u7684\u5229\u7387\uff0c3\u20137 \u5929\u5185\u51fa\u7ed3\u679c\u3002\u6c99\u5df4\u3001\u7802\u62c9\u8d8a\u548c\u6d77\u5916\u4e70\u5bb6\u6211\u4eec\u90fd\u505a\u3002<\/p>\n<p>Who It&#8217;s For<\/p>\n<h2>\u5728\u60a8\u6700\u5927\u7b14\u8d37\u6b3e\u4e0a\u62ff\u5230 \u5bf9\u7684\u5229\u7387\u3002<\/h2>\n<p>\nWhether you&#8217;re buying your first home, upgrading, or paying more than you should on an existing loan, a fraction of a percent adds up over decades. We compare offers across a wide lender network and negotiate on your behalf so you don&#8217;t leave savings on the table.<\/p>\n<h3>Talk to us if you&#8217;re\u2026<\/h3>\n<ul>\n<li>\u2713Buying a home and want the best housing loan package.<\/li>\n<li>\u2713Paying a high rate on an existing home loan.<\/li>\n<li>\u2713Wanting to cash out equity for renovation or investment.<\/li>\n<li>\u2713Financing a shop, office or commercial property.<\/li>\n<\/ul>\n<p><img decoding=\"async\" alt=\"Home loan and mortgage refinancing in Malaysia\" src=\"https:\/\/images.unsplash.com\/photo-1560518883-ce09059eeffa?auto=format&amp;fit=crop&amp;w=1000&amp;q=75\" \/><\/p>\n<p>\u8d2d\u623f\u4e0e\u518d\u878d\u8d44<\/p>\n<h2>\u4e3a\u60a8 \u4e89\u53d6\u7684\u623f\u8d37\u3002<\/h2>\n<p>A mortgage is likely the biggest commitment you&#8217;ll make, so a fraction of a percent matters over decades. We compare packages across 20+ banks to find the rate, lock-in and flexibility that suit you. And if you already own, we review whether refinancing could lower your instalment or unlock cash. The goal is simple: your keys, sooner, on better terms.<\/p>\n<p>\u4ea7\u54c1\u7c7b\u578b<\/p>\n<h2>\u623f\u4ea7\u878d\u8d44\uff0c \u5168\u9762\u6db5\u76d6\u3002<\/h2>\n<h3>\u623f\u5c4b\u8d37\u6b3e<\/h3>\n<p>\u4ee5\u5177\u7ade\u4e89\u529b\u7684\u914d\u5957\u878d\u8d44\u8d2d\u7f6e\u60a8\u7684\u4f4f\u623f\u3002<\/p>\n<h3>\u623f\u8d37\u518d\u878d\u8d44<\/h3>\n<p>\u8f6c\u5230\u66f4\u4f4e\u5229\u7387\uff0c\u964d\u4f4e\u60a8\u7684\u6708\u4f9b\u3002<\/p>\n<h3>\u623f\u8d37\u518d\u878d\u8d44<\/h3>\n<p>\u91cd\u7ec4\u6216\u5957\u73b0\u73b0\u6709\u623f\u4ea7\u7684\u51c0\u503c\u3002<\/p>\n<h3>\u5546\u4e1a\u4ea7\u4e1a<\/h3>\n<p>\u4e3a\u5e97\u94fa\u3001\u529e\u516c\u5ba4\u4e0e\u5546\u4e1a\u5355\u4f4d\u878d\u8d44\u3002<\/p>\n<p><a href=\"https:\/\/ncgsolution.com.my\/zh\/calculator\/#refi\">\u4f30\u7b97\u60a8\u7684\u518d\u878d\u8d44\u8282\u7701 <\/a><\/p>\n<p>\u8d44\u683c\u4e0e\u6587\u4ef6<\/p>\n<h2>\u51b3\u5b9a\u60a8 \u5229\u7387 \u7684\u56e0\u7d20\u3002<\/h2>\n<h3>\u94f6\u884c\u8bc4\u4f30\u9879\u76ee<\/h3>\n<ul>\n<li>\u2713Your CCRIS record and overall credit score.<\/li>\n<li>\u2713Income documents and stability of earnings.<\/li>\n<li>\u2713Existing debts and your Debt Service Ratio (DSR).<\/li>\n<li>\u2713The property&#8217;s value and its margin of finance.<\/li>\n<\/ul>\n<h3>\u9700\u51c6\u5907\u6587\u4ef6<\/h3>\n<ul>\n<li>\u2192MyKad and latest 3\u20136 months of payslips.<\/li>\n<li>\u2192EPF statement and latest tax documents (BE\/EA).<\/li>\n<li>\u2192Sale &amp; purchase agreement or existing loan statement.<\/li>\n<li>\u2192Property title or booking form for the purchase.<\/li>\n<\/ul>\n<p>\u66fe\u88ab\u62d2\u7edd\uff1f<\/p>\n<h2>\u623f\u8d37\u4e3a\u4f55\u88ab\u62d2\uff08\u4ee5\u53ca\u6211\u4eec\u5982\u4f55 \u89e3\u51b3\uff09\u3002<\/h2>\n<h3>\u94f6\u884c\u8bb0\u5f55\u592a\u77ed<\/h3>\n<p>CCRIS \u8bb0\u5f55\u8fd8\u4e0d\u5230 6 \u4e2a\u6708\u3002\u514d\u8d39\u67e5\u4e00\u6b21\u4fe1\u7528\uff0c\u5c31\u77e5\u9053\u8be5\u5148\u5efa\u7acb\u54ea\u4e9b\u8bb0\u5f55\u3002<\/p>\n<h3>\u8d37\u6b3e\u7533\u8bf7\u8fc7\u591a<\/h3>\n<p>Existing commitments push your DSR past the bank&#8217;s limit. We plan a fix, often consolidation, before applying.<\/p>\n<h3>\u6536\u5165\u6587\u4ef6\u8584\u5f31<\/h3>\n<p>\u51fa\u7cae\u51fa\u73b0\u91d1\u6216 EPF \u4f9b\u5f97\u4e0d\u7a33\u5b9a\uff0c\u90fd\u4f1a\u62c9\u4f4e\u60a8\u7684\u6761\u4ef6\u3002\u6211\u4eec\u6559\u60a8\u600e\u6837\u628a\u6536\u5165\u6574\u7406\u6210\u94f6\u884c\u8ba4\u53ef\u7684\u6837\u5b50\u3002<\/p>\n<h3>\u903e\u671f\u8fd8\u6b3e\u8bb0\u5f55<\/h3>\n<p>\u4ee5\u524d\u8fdf\u8fd8\u6b3e\u4f1a\u62c9\u4f4e\u60a8\u7684\u8bc4\u5206\u3002\u6211\u4eec\u4ece\u60a8\u7684 CTOS \u627e\u51fa\u95ee\u9898\uff0c\u5e2e\u60a8\u5bf9\u63a5\u653f\u7b56\u5408\u9002\u7684\u94f6\u884c\u3002<\/p>\n<p>\u670d\u52a1\u6d41\u7a0b<\/p>\n<h2>\u6e05\u6670\u3001\u8bda\u5b9e\u7684 \u6d41\u7a0b\u3002<\/h2>\n<p>1<\/p>\n<h3>\u514d\u8d39\u54a8\u8be2<\/h3>\n<p>\u6211\u4eec\u5148\u4e86\u89e3\u60a8\u7684\u6536\u5165\u3001\u73b0\u6709\u8d37\u6b3e\u3001\u503a\u52a1\u548c CCRIS\u3002\u514d\u8d39\uff0c\u4e5f\u6ca1\u6709\u4efb\u4f55\u4e49\u52a1\u3002<\/p>\n<p>2<\/p>\n<h3>\u8d37\u6b3e\u65b9\u6848\u5206\u6790<\/h3>\n<p>\u6211\u4eec\u5728\u94f6\u884c\u7f51\u7edc\u4e2d\u6bd4\u8f83\u5229\u7387\uff0c\u627e\u51fa\u6700\u5408\u9002\u65b9\u6848\u3002<\/p>\n<p>3<\/p>\n<h3>\u7533\u8bf7\u529e\u7406<\/h3>\n<p>\u6211\u4eec\u51c6\u5907\u6587\u4ef6\uff0c\u5e76\u4ee3\u8868\u60a8\u4e0e\u94f6\u884c\u6c9f\u901a\u3002<\/p>\n<p>4<\/p>\n<h3>\u8d37\u6b3e\u83b7\u6279<\/h3>\n<p>\u5ba1\u6838\u6700\u7ec8\u6761\u6b3e\uff0c\u966a\u60a8\u8d70\u5b8c\u653e\u6b3e\u53ca\u4e4b\u540e\u3002<\/p>\n<p>\u4f18\u52bf<\/p>\n<h2>\u4e3a\u4f55\u9009\u62e9 NCG \u518d\u878d\u8d44\u3002<\/h2>\n<h3>\u4e89\u53d6\u5229\u7387\u8282\u7701<\/h3>\n<p>\u54ea\u6015\u5c0f\u5e45\u964d\u606f\uff0c\u4e5f\u80fd\u5728\u6574\u4e2a\u8d37\u6b3e\u671f\u7701\u4e0b\u6570\u5343\u3002\u8bd5\u8bd5\u6211\u4eec\u7684 <a href=\"https:\/\/ncgsolution.com.my\/zh\/calculator\/#refi\">\u518d\u878d\u8d44\u8ba1\u7b97\u5668<\/a>.<\/p>\n<h3>\u5e7f\u6cdb\u94f6\u884c\u7f51\u7edc<\/h3>\n<p>\u63a5\u89e6 20+ \u5bb6\u94f6\u884c\u7684\u914d\u5957\uff0c\u4e3a\u60a8\u6311\u9009\u6700\u4f18\u65b9\u6848\u3002<\/p>\n<h3>\u91cf\u8eab\u5b9a\u5236\u65b9\u6848<\/h3>\n<p>\u65e0\u8bba\u60a8\u662f\u60f3\u964d\u4f4e\u6708\u4f9b\u8fd8\u662f\u5957\u51fa\u51c0\u503c\uff0c\u6211\u4eec\u90fd\u5e2e\u60a8\u628a\u65b9\u6848\u8bbe\u8ba1\u597d\u3002<\/p>\n<h3>\u8282\u7701\u65f6\u95f4<\/h3>\n<p>We handle the paperwork and follow-ups so you don&#8217;t chase multiple banks.<\/p>\n<h3>\u6e05\u6670\u8bda\u5b9e\u7684\u5efa\u8bae<\/h3>\n<p>If refinancing won&#8217;t save you money after fees, we&#8217;ll tell you plainly.<\/p>\n<h3>\u5355\u4e00\u5bf9\u63a5\u4eba<\/h3>\n<p>\u4e13\u5c5e\u987e\u95ee\u4ece\u54a8\u8be2\u5230\u653e\u6b3e\u5168\u7a0b\u966a\u4f34\u60a8\u3002<\/p>\n<p>\u623f\u8d37\u5e38\u89c1\u95ee\u9898<\/p>\n<h2>\u95ee\u9898\uff0c \u4e3a\u60a8\u89e3\u7b54\u3002<\/h2>\n<p>When is refinancing worth it?+<\/p>\n<p>Refinancing usually makes sense when the new rate is meaningfully lower and you&#8217;ll stay in the property long enough to recover the legal and valuation fees. Our <a href=\"https:\/\/ncgsolution.com.my\/zh\/calculator\/#refi\">\u518d\u878d\u8d44\u8ba1\u7b97\u5668<\/a> gives you a quick estimate, and we&#8217;ll confirm the real numbers.<\/p>\n<p>Can I cash out equity from my home?+<\/p>\n<p>Yes. If your property has appreciated, mortgage refinancing can release part of that equity as cash for renovation, investment or consolidating other debts, subject to the bank&#8217;s margin of finance and your DSR.<\/p>\n<p>What determines the rate I&#8217;m offered?+<\/p>\n<p>Rates depend on your CCRIS record, income stability, existing debts, DSR and the property&#8217;s value. We present your profile in the best light and negotiate across our lender network to secure a competitive package.<\/p>\n<p>Does NCG issue the mortgage?+<\/p>\n<p>\u4e0d\u4f1a\u3002NCG \u662f\u987e\u95ee\u673a\u6784\uff0c\u4e0d\u53d1\u653e\u8d37\u6b3e\u3002\u6240\u6709\u623f\u8d37\u7531\u94f6\u884c\u6216\u6301\u724c\u673a\u6784\u63d0\u4f9b\u3002\u6211\u4eec\u4e3a\u60a8\u63d0\u4f9b\u5efa\u8bae\u3001\u51c6\u5907\u7533\u8bf7\u5e76\u4ee3\u60a8\u534f\u5546\uff0c\u4e89\u53d6\u6700\u4f18\u6761\u6b3e\u3002<\/p>\n<p>\u7acb\u5373\u5f00\u59cb<\/p>\n<h2>60 \u79d2\uff0c\u8bc4\u4f30\u60a8\u7684\u623f\u5c4b\u8d37\u6b3e\u3002<\/h2>\n<p>\u65e0\u9700\u9884\u4ed8\u8d39\u7528\u3002\u8d44\u6df1\u987e\u95ee\u4f1a\u5ba1\u6838\u60a8\u7684\u60c5\u51b5\u5e76\u901a\u8fc7 WhatsApp \u56de\u590d\uff0c\u5f80\u5f80\u51e0\u5206\u949f\u5185\u3002<\/p>\n<p><img decoding=\"async\" alt=\"NCG loan consultation\" src=\"https:\/\/images.pexels.com\/photos\/7681091\/pexels-photo-7681091.jpeg?auto=compress&amp;cs=tinysrgb&amp;w=900\" \/><\/p>\n<h2>\u770b\u770b\u60a8\u80fd\u7701\u4e0b\u591a\u5c11\u3002<\/h2>\n<p>\u514d\u8d39\u3001\u65e0\u4e49\u52a1\u623f\u8d37\u68c0\u89c6\u3002\u8d44\u6df1\u987e\u95ee\u5c06\u5728\u6570\u5c0f\u65f6\u5185\u8054\u7cfb\u60a8\u3002<\/p>\n<p><a href=\"#\">\u514d\u8d39\u8d22\u52a1\u54a8\u8be2<\/a><br \/>\n<a href=\"#\">WhatsApp<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Home \/ Services \/ Mortgage Loan Mortgage Loan &amp; Refinancing From 3% p.a., up to 35 years, even if your last home-loan application was rejected. Better rates negotiated across 20+ banks, decisions in 3\u20137 days. We serve Sabah, Sarawak &amp; overseas buyers. Who It&#8217;s For The right rate on your biggest loan. Whether you&#8217;re buying [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-19","page","type-page","status-publish","hentry"],"acf":[],"_hostinger_reach_plugin_has_subscription_block":false,"_hostinger_reach_plugin_is_elementor":false,"_links":{"self":[{"href":"https:\/\/ncgsolution.com.my\/zh\/wp-json\/wp\/v2\/pages\/19","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ncgsolution.com.my\/zh\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ncgsolution.com.my\/zh\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ncgsolution.com.my\/zh\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ncgsolution.com.my\/zh\/wp-json\/wp\/v2\/comments?post=19"}],"version-history":[{"count":2,"href":"https:\/\/ncgsolution.com.my\/zh\/wp-json\/wp\/v2\/pages\/19\/revisions"}],"predecessor-version":[{"id":113,"href":"https:\/\/ncgsolution.com.my\/zh\/wp-json\/wp\/v2\/pages\/19\/revisions\/113"}],"wp:attachment":[{"href":"https:\/\/ncgsolution.com.my\/zh\/wp-json\/wp\/v2\/media?parent=19"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}