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Saturday, 27 February 2021

SIMPLE HOME LOAN GUIDE FOR BEGINNERS

February 27, 2021 11 Comments
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SIMPLE HOME LOAN GUIDE FOR BEGINNERS 
What is the best time to own a property? 

Hey all ๐Ÿ’š

As we all remembered, on 16 March 2020, the Prime Minister of Malaysia, had announced the imposition of a 14 days movement control order (MCO) from 18 March to 31 March 2020 nationwide to curb the spread of the COVID-19 infection in Malaysia. Subsequently on 25 March 2020, the Prime Minister further announced that the MCO is to be extended to 14 April 2020.

This MCO is enforced under the Control and Prevention of Infectious Diseases Act 1988 and the Police Act 1967, and encompasses, among others, the closure of all government and private premises except those involved in essential services 

Being said that, the word Covid-19 is now synonym to many people around the world for hardship and suffering nearly every day. You’ll read or hear about people losing their jobs, companies closing down, pay cuts and so on. 

Most of us are forced to adapt to the ‘new normal’ and accept the fact that things are not going to be the same anymore. Along with every other country, Malaysia is trying its best to make the best out of the current situation.

So how does this affect the property market? Will people remain motivated to purchase a property of their own?

Buying a house is probably the most important purchase you'll ever make. Your home loan is likely to be not only your biggest household expense, but the largest financial commitment of your lifetime.

For this reason, I have compiled a short guide to explain how a home loan works, and what you need to know before you apply for a mortgage. 

Here's a guide on how housing loan process in Malaysia works. 

Do you know what a Home Loan means?

If you already have an existing housing loan in Malaysia and want to change to another product or lender without moving home, it is known as a 'refinancing'.

How do Home Loans in Malaysia work?

Interest rates for housing loans in Malaysia are usually quoted as a percentage below the Base Rate (BR). For example, if the current BR rate is 4.00%, the interest rate on a 'BR + 0.45%' loan would be 4.45%. 

You can check all the home loan interest rates and fill in the home loan application in the home loan calculator HERE 

In a typical Malaysian mortgage, you make monthly payments for an agreed period (i.e. the loan tenure) until you've fully repaid both the principal of the loan and the interest. During the early years of the loan, the majority of your monthly repayments are used to repay interest, however, as time passes, a larger proportion of your repayments will go into paying down the principal.

How to use a Housing Loan Calculator?

Type in the property price that you would like to borrow and for how long. It will do all the calculations and will present you with the best mortgage deals for you.

You can check all the home loan interest rates and fill in the home loan application in the home loan calculator below. Though this might be created to cater to the UK market, but it should work for most any market in the world .

MortgageCalculator.uk Logo.

Powered by Mortgage Calculator UK widget


Base Rate & Other Loan Terms

Base Rate (BR):

Base Rate in Malaysia is a reference interest rate used by banks to decide how much to charge for various products they offer. In Malaysia, home loans are normally quoted as a percentage above or below the BR. This means, if the BR increases or decreases by a certain amount, the interest rates charged on floating rate loans also increase or decrease by the same amount.

Down payment:


An upfront payment made by the buyer of a house or car (or other highly priced goods/services). Down payments are typically expressed as a percentage of the full purchase price. For example, a 10% down payment of a RM500,000 home is RM50,000.

Foreclosure:

A foreclosure happens when the bank repossesses your property and attempts to sell it in order to settle the outstanding amount on your loan. This usually happens when you consistently fail to pay your loan instalments.

Loan Tenure:

This means "period" or "number of years". If a mortgage has a "tenure" of 30 years, it usually means it would take 30 years to fully pay off the loan.

Mortgage Reducing Term Assurance (MRTA):

This is a type of mortgage insurance. An MRTA provides protection for an outstanding loan amount (usually a home loan), in the event of death or total permanent disability of the person insured. The amount of protection reduces over time, and normally matches the outstanding loan amount.

Prepayment (of house loan):

Fully or partially paying off your (home) loan before it is due.
Some Factors You Need To Be Aware of When You Choose a Home Loan

Margin of Financing: 

The margin of financing is also known as the loan-to-value ratio. The margin of financing is the amount of your loan expressed as a percentage of the property's value. The lower the margin of financing, the more 'equity' there is in the property. The margin of financing could go as high as 95% (of the value of the house), and is assessed on factors such as:
  • Type of property
  • Location of property
  • Age of the borrower
  • Income of the borrower

Early Termination Penalty: 

Some mortgage lenders may apply an early termination penalty if the loan is paid off in part or in full within a specified time period, including if you refinance the loan with another lender. This specified time period where you are liable to pay an early termination penalty is called the 'lock-in period'. Depending on the term and size of your loan, this charge can be quite significant.

Fees & Charges: 

There are a number of related costs (such as professional fees and government charges) that you would have to pay when you take out a mortgage.

Some common fees and charges you would expect to incur include:

Stamp duties: 

Sale & Purchase Agreement (0.5% to 1.0%), Loan Agreement (0.5%) and Transfer of Title (1.0% to 2.0%)

Disbursement Fees: 

Varies by state, land office and type of property


Processing Fees: 

One time charge by the lenders (up to a few hundred ringgit).

Remember to use an experienced banker or consultant when it comes to loan submission during this time. It can save you a lot of money, hassle and may also increase your chances for loan approval. The ultimate moral of the story here is to be prepared during these uncertain times and be extra vigilant with your financials and preparation. 

All the best guys  and stay safe ! Let's hope that this pandemic will end soon and we'll get back to our normal life. 

Well that's all for now ! Thanks for reading my blog !! I hope you've enjoyed it !

Have a wonderful day and always be happy!! 

THANKS FOR BEING APART OF MY READERS  ๐Ÿ’•๐Ÿฅฐ

Love and rise up , 

DONT FORGET TO LIKE, SHARE, COMMENT AND SUBSCRIBE / FOLLOW ๐Ÿ‘

 Be nice, Be respectful and Be responsible.

Zazasters a.k.a MamaMonsta๐Ÿ‘ป

#contentwriter #malaysianlifestylebloggers #lifestyleblogger #zazasters #mamaAAmonsta #zazaazman8com #homeloan #mortgagecalculator #purchasinghome #property #covid19 #malaysiastartup #malaysia #malaysiaproperty

Friday, 26 February 2021

RASA VIET - Introducing New Menu "Hot Pot Meals and Prawn Curry with Baguette" | The Sphere, Bangsar KL - ZAZA'S REVIEW

February 26, 2021 19 Comments
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RASA VIET
Introducing Their New Menu
"Hot Pot Meals and
Prawn Curry with Baguette"

Hey All ๐Ÿ’›


I have been craving for some mouth-watering ๐Ÿ’ฆ vietnamese food since early this year before the 1st MCO this year ! I’ve been wanting to visit and dine at my favourite Vietnamese restaurant  - Rasa Viet at The Sphere, Bangsar KL so badly but every time I have the urge to go for a dine in, it’s MCO again !  What a girl needs to do to get some food here !!  ๐Ÿ˜ข๐Ÿ˜’


Yes, they can deliver to your home but within the radius and too bad for me that I lived more than the radius covered. So sad !๐Ÿ˜ฅ๐Ÿ˜ญ


As you all know from my previous post , I’ve gone there with my family and we all fall in love with the food so much, not to mention the great atmosphere and amazing decorations. I felt like I was in Vietnam and felt so much at home. 


Read more on my previous post :

Rasa Viet - Unique Authentic Halal Vietnamese Restaurant


Being said that, this time around, my husband and kids couldn't join me even though the government has lifted its restrictions for dine-in but it was advisable not to bring children yet.


And as I can’t contain my craving anymore, I had to come and savour the heavenly well- prepared vietnamese food  by myself. Selfish? Maybe ! Lol ๐Ÿ˜but I was joined later on by my friend to enjoy the hot pot together. 


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This time I had the chance to try out their newest menu - "Hot Pot" meals and also tried the most talked about dish “'๐—ฃ๐—ฟ๐—ฎ๐˜„๐—ป ๐—–๐˜‚๐—ฟ๐—ฟ๐˜† ๐˜„๐—ถ๐˜๐—ต ๐—•๐—ฎ๐—ด๐˜‚๐—ฒ๐˜๐˜๐—ฒ


I've devoured and loved the flavourful tasting Beef Broth Hot Pot with Premium Beef Slices, Chicken, Prawns, Meatballs, Egg, “Kangkung”, Tofu,Tomatoes, Enoki Mushroom, Vermicelli and more in their rich beefy broth. An abundance combination of very tasty and filling food ! ๐Ÿ˜


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After eating the wholesome Hot Pot, of coz not forgetting the famous  '๐—ฃ๐—ฟ๐—ฎ๐˜„๐—ป ๐—–๐˜‚๐—ฟ๐—ฟ๐˜† ๐˜„๐—ถ๐˜๐—ต ๐—•๐—ฎ๐—ด๐˜‚๐—ฒ๐˜๐˜๐—ฒ'' that will be eaten with whole baguette. It's an out-of-world experience !! The sweetness comes from the essense of the succulent prawns, not too spicy and can be shared with 2-3 pax. But for this divine dish, I can surely eat this by myself. Haha ! 


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And my repeated order again was definitely the ‘Fried Roll with Sweet Chilli Sauce” Its just so gooooddd !! 


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What kind of drinks to order to quench your thirst ?? Of coz the Must-Try Famous "Vietnam Drip Black Coffee" and the ‘Cempedak’ smoothie - which was specially made for me - Less Sweet ! I forgot to take the pictures . Silly me ! The picture I'm sharing is from my previous post VN Drip Coffee with Milk.


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And for Desserts - Please order The ‘Cempedak with Coconut Ice Cream and the oh-so-creamy Caramel Pudding. Heavenly desserts are served made to order !! 


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I’ve enjoyed the food so much that I must order more for “take away” so that I can share with my family at home. I’ve ordered the flavoursome, rich and aromatic Duck Pho for my husband ( A must to order at Rasa Viet!! ) and Chicken Pho for the kids.


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From my previous post picture 


And also a set of Rasa Viet’s awesome ‘Assorted Spring Rolls Platter’ which consist of 1 roll each of Classic Summer Roll and Fried Roll and also 2 rolls each of Mayo Prawn Netted Rolls and Sweet Yam Netted Rolls. My kids loved this so much previously, I just had to get some for my babies ! 


Not to worry !! Rasa Viet’s menu is confirmed 100% delicious and HALAL and definitely non-msg added. 


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Come & try this Vietnamese Hot Pot - Signature Beef Broth and Prawn Curry with Baguette !! You won't regret indulging this flavourful and delectable cuisine in Rasa Viet


DISCOUNT for my dear followers !! Discount 20% when you use my special code to try out the HOT POT meals from Rasa Viet !!


Don't forget to use this CODE

๐Ÿ‘‰๐Ÿ‘‰ZAZA20 ๐Ÿ‘ˆ๐Ÿ‘ˆ

๐Ÿ‘‰๐Ÿ‘‰ZAZA20 ๐Ÿ‘ˆ๐Ÿ‘ˆ


Rasa Viet The Sphere Bangsar South

๐Ÿ“  Unit No. G-3A, Level Ground, The Sphere, 59200 Kuala Lumpur

๐Ÿ“ž  03-2242 1880

๐Ÿ•ฐ 11am-10pm, Daily. 

✔ Facebook: https://www.facebook.com/RasaViet

✔ Instagram: https://www.instagram.com/rasa.viet

✔ Website: https://www.rasaviet.com

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ENJOY AND EXPERIENCE  NO.1 BEST HALAL VIETNAM RESTAURANT IN KUALA LUMPUR!

RASA VIET


 Well that's all for now ! Thanks for reading my blog !! I hope you've enjoyed it !

Have a wonderful day and always be happy!! 

THANKS FOR BEING APART OF MY READERS  ๐Ÿ’•๐Ÿฅฐ

Love and rise up , 

DONT FORGET TO LIKE, SHARE, COMMENT AND SUBSCRIBE / FOLLOW ๐Ÿ‘

 Be nice, Be respectful and Be responsible.

Zazasters a.k.a MamaMonsta๐Ÿ‘ป

#zazaazman8com #zazapotpet #mamamonstatalks #sembangmamaAA #mamamonstareview #zazastersreview #RasaViet #TheSphere #BangsarSouth #VietnameseFood #Authentic #VietnameseRestaurant #Restoranvietnam #MakananVietnam #MakananHalalVietnam #RestoranVietnamHalal #VietnameseRestaurantHalal #zazaazman8com #malaysianlifestylebloggers #malaysiafoodie #malaysianfoodbloggers #zfoodieatlarge #foodbloggerKL #jalan2carimakan #welovetoeat

Wednesday, 24 February 2021

A'ISY ZAFRAN'S 5TH BIRTHDAY - A LETTER FOR MY SON

February 24, 2021 17 Comments
www.zazaazman8.com

A Letter for My Son. 


Today marks the 5th year of the birth of my forever baby boy , A'isy Zafran. I couldn’t believe that he has grown up this fast. Looking back at how he has developed and grown to be a boy that is active, smart, funny and caring. I am amazed by his intellectual and cognitive thinking and skills. 


I remembered so well as it was yesterday that the day I held you 1st time in my arms, it was love at 1st sight and I have never felt so much love for someone, not even your Papa can compare the love I felt for you.


Yes, there are times that he acts like a baby, just to get attention from me but at times he acts as if he is older than his age. Is it because he had adjusted himself as a big brother with responsibility to take care of himself and his sister? 


Read also : 26 Malaysian Blogger Mom To Follow 2021


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I think maybe there are times that I neglected his need while he was growing up with his baby sister but to others when they see me with him, they’ll say I am too lenient and smothering him with too much love instead of his baby sister. Hmmmmm I don't know ๐Ÿ˜“


But whatever it is, A’isy Zafran my boy. Mama writing this blog post is for you to know that no matter what people say and judge. You are my baby. You are my 1st born. You will always have that special place in my heart. I know how it feels being the eldest and I do not wish you to feel and experience the things I had to endure during my childhood. 


I will always shower you with love and care about you but with limitation and respect. I will not spoil you until you do not know to appreciate and respect others. I want you to be the best, humbled human being you can be in life. 


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I know that sometimes Mama’s sickness can be a crazy ride in some days and you have to face and endure my demons but deep down inside I am crying and yelling at myself for being mean to you for things that are petty sometimes. I am sorry, my dear son. I am trying my best to control myself. 


You and A’isya are the only thing that makes me alive. I am forever grateful for your existence in my turbulent life. May Allah give me great strength and protect us from harm and bad things in life.


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On your special day, I wish and pray for the very best in the world that Allah created and gave it to you with open arms. I pray that Allah protects you and blesses you in whatever you’ll endeavour in the future. I will always support whatever you want to be in life and may you be the greatest person in the world. 


Sorry that you couldn’t celebrate your birthday with your friends at school but at least you celebrated with your close family. Do know that you are LOVED by many people.


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Happy 5th birthday My Love. 


Grow Healthy, Strong , Smart and Silly .


I love you with all my heart, body and soul. You are my Rainbow !


Love, 


Your Beautiful but Wacko Mama Monsta. 





 Be nice, Be respectful and Be responsible.

Zazasters a.k.a MamaMonsta๐Ÿ‘ป

Tuesday, 23 February 2021

OPTIMAL GROWTH POTENTIAL WITH DUTCH LADY MAXGRO

February 23, 2021 15 Comments

www.zazaazman8.com

REACH FOR OPTIMAL GROWTH POTENTIAL WITH THE
ALL-NEW DUTCH LADY MAXGRO
Dutch Lady, the most chosen¹ growing up milk powder 1+ brand in Peninsular Malaysia unveiled its latest innovation in a bid to support optimal growth amongst children

Hey All ๐Ÿ’›


As parents, we are always searching for the best things in life for our kids. Be it for food, drinks, education or lifestyle. And for parents with infants and toddlers, beside nutritious foods. We are constantly searching for the best formulated milk for our children.
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Though breastfeeding is the best milk for our child but not everyone is lucky when it comes to producing milk supply. So as an alternative, parents have to choose formula milk that suits their child the best.

I was fortunate enough to join Dutch Lady MaxGro’s zoom meeting with great specialised nutritionists. I’ve learned so much about children’s developments and growth within the 30 minutes I attended. I am amazed and dumbfounded to know that Malaysia has a malnutrition problem.

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PhotoCredit : TheEdgeMarket

According to the National Health and Morbidity Survey 2019 (NHMS 2019) released by the Ministry of Health, Malaysia, the prevalence of stunting and underweight in children under five years of age in Malaysia has increased from 17.7% in 2015 to 21.9% in 2019.


A study conducted by the South East Asian Nutrition Survey (SEANUTS) in 2012 also revealed that 1 out of 2 children in Malaysia did not achieve the Recommended Nutrient Intakes (RNI, 2017) for Calcium and Vitamin D³, both are important nutrients for bone growth.
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In ensuring our future generations have sufficient nutrition, Dutch Lady Milk Industries Berhad (DLMI), Malaysia’s leading dairy company, launched its first milk based formula dietary food DUTCH LADY MaxGro. DLMI also unveiled a new campaign to complement the launch of its latest innovative product.


Themed "Cita-Cita Tinggi Mampu Dimiliki", the campaign aims to raise awareness of Malaysian children’s nutritional needs and promote regular height tracking to ensure their ambitions to grow taller and healthier are achieved, thus meeting their optimal growth potential.

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Specially formulated to provide children with 80% of the recommended nutrient intake⁴ (Malaysia RNI 2017), DUTCH LADY MaxGro is suitable for children aged 1 - 9 years old and it is packed with essential nutrients to help them meet the requirements of a well-balanced and complete diet. 

This latest innovation by DUTCH LADY MaxGro contains 9 Essential Amino Acids (9EAA) — which are the building blocks in Protein for bones and muscle growth, Docosahexaenoic acid (DHA), Calcium — for strong bones, and Vitamin D — for aiding Calcium absorption. 

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Other nutrients that can be found in DUTCH LADY MaxGro include Iron, Magnesium, Phosphorus, Zinc, Vitamin A, E, K1, B1, B2, B3, B6, B12 and C — to support children’s optimal growth and development.

“The DUTCH LADY brand has been building strong families for more than 50 years, and we want to fulfill our purpose of nourishing Malaysians by introducing nutritious dairy products to our consumers,” said Tarang Gupta, Managing Director, DLMI.
“And to keep up with the everyday needs of Malaysians, we strive to formulate a new offering that tastes great and at the same time bring the best value to our consumers. Our latest milk offering, DUTCH LADY MaxGro, is a testament to our ambition to help Malaysian children embark on their journey of proper nutrition for a healthier and better future,” he added.

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As a Malaysia's leading dairy company, DLMI, further dialed up the ante by introducing MaxGro Growth Tracker application, a growth tracking tool that helps parents to keep track of their children’s development and growth progress at the virtual launch. 

Aside from tracking a child’s Physical Growth, the application also allows parents to monitor their children’s Cognitive Growth, check their Immunisation Schedule, update their Teething Log, and much more.


The MaxGro Growth Tracker app was developed for parents to help their children reach their ambition to grow taller and healthier with ease, and is available on Google Play for free.


Zatur Hassim, Marketing Director, Specialised Nutrition, DLMI, highlighted that the key findings from frequent surveys done with Malaysian mothers help us understand their concerns about their children’s growth. 


“Based on our observations, apart from seeking milk offerings that can provide complete nutritional support for their children’s growth, Malaysian mothers also looked for convenient ways to keep track of their children’s growth progress. This is why the DUTCH LADY brand took this proactive role in developing a growth tracking tool – to make it more accessible to all parents in Malaysia. Echoing the aim of our campaign, we wanted to amplify the message of Cita-Cita Tinggi, Mampu Dimiliki — which translates to high ambition or ambitions to grow tall that is within reach,” she added.

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Tested by a lineup of real Malaysian mothers: 

  • 99%⁵ would recommend DUTCH LADY MaxGro to their friends and family 


The taste and suitability of the all-new product has also garnered positive feedback from their little ones:

  • 96%⁵ agreed their child loves the taste of DUTCH LADY MaxGro, and 

  • 98%⁵ agreed after drinking DUTCH LADY MaxGro, their child has no digestion issues. 


The survey was done in collaboration with the Home Tester Club in Malaysia. 

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Also present at the virtual launch event, was Dr Azam Mohd Nor, Consultant Pediatrician from Pantai Hospital Kuala Lumpur. According to Dr Azam, height is a key indicator of a child’s health, and poor nutrition is a pervasive issue in Malaysia.


One of the best ways to address malnutrition is through consumption of nutrient-dense milk and for parents to consistently measure their children’s height and growth to ensure that they are growing healthily.



After reading and researching some more information about its benefits, I’ve purchased and waiting for my Dutch Lady MaxGro packs for my children to consume. I can’t wait !! Hope my kids will love it ๐Ÿ’“


www.zazaazman8.com

Support your child’s optimal growth potential with the all-new DUTCH LADY MaxGro, found at key retail outlets nationwide. For more information, please visit www.smartmoments.com.my and request for a complimentary sample now.

Get yours now TODAY


www.zazaazman8.com

Well that's all for now ! Thanks for reading my blog !! I hope you've enjoyed it !

Have a wonderful day and always be happy!! 

THANKS FOR BEING APART OF MY READERS  ๐Ÿ’•๐Ÿฅฐ

Love and rise up , 

DONT FORGET TO LIKE, SHARE, COMMENT AND SUBSCRIBE / FOLLOW ๐Ÿ‘

 Be nice, Be respectful and Be responsible.

Zazasters a.k.a MamaMonsta๐Ÿ‘ป

#dutchladymaxgro #dutchladymalaysia #dutchlady #formulamilkpowder #hometesterclub #childrengrowth #childrendevelopment #maxgrogrowthtracker #ParentingBlogger #ParentingBloggerMY #malaysianlifestylebloggers #parentingtips #zazasters #zazaazman8com #mamaAAmonsta #bloggerKL #collaborationreview



References:


¹ Excerpt from Kantar Report on the Growing Up Milk Powder 1+ in Peninsular Malaysia from 30th December 2019 to 3rd January 2021, provided as a part of the Kantar BB Panel Service


² National Health and Morbidity Survey 2019

Report_NHMS2019-NCD_v2.pdf (moh.gov.my)


³ Nutritional status and dietary intakes of children aged 6 months to 12 years: findings of the Nutrition Survey of Malaysian Children (SEANUTS Malaysia) https://pdfs.semanticscholar.org/05bb/4de1e68096ef84fcac60083a57b5ad6867cb.pdf?_ga=2.115456070.1595186782.1606355175-1976471054.1606355175


⁴ 80% of Daily Nutrients: Meeting At Least 80% Of Malaysia Recommended Daily Nutrient Intake (Malaysia RNI 2017) For Selected Nutrients Such As Calcium, Phosphorus, Iron, Magnesium, Zinc, Vitamin A, D3, E, K1, B1, B2, B3, B6, B12 and C


Survey conducted by Home Tester Club between 11/12/2020 and 19/01/2021, 252 members have received and home tested DUTCH LADY MaxGro for 2 weeks


Photo Credit : Google Image and to its owner.