In the market for a new home but unsure which loan to choose? Being a homebuyer can be feeling overwhelmed during the house-hunting process. <\/div>\n

<\/div>\n

The loan you choose will come down to which you qualify for, so let us break down the types and the process to help you determine your goals and how to find the right mortgage.<\/div>\n

<\/p>\n

\n\n\n\n

1. What is a House Loan?<\/strong><\/a>\n2. Types of House Loans?<\/strong><\/a><\/p>\n
\n
Term Loans<\/li>\n
Semi-Flexi Loans<\/li>\n
Flexi Loans<\/li>\n<\/ul>\n
3. What is Your Budget Plan?<\/strong><\/a><\/p>\n
\n
Check your credit score<\/li>\n
A mortgage calculator is your best friend<\/li>\n<\/ul>\n
4. The Process of Applying for A House Loan<\/strong><\/a><\/p><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
\n
<\/a>1. What is a House Loan?<\/h2>\n
Looking up in a dictionary, a house or mortgage loan is a loan taken from a bank or financial institution<\/a><\/span><\/strong> to help you purchase a property of your choice – be it a condominium in Petaling Jaya or a bungalow in Setia Alam. <\/p>\n
$\"\"$ You will only need to pay a downpayment of 10% of the property’s price and start paying monthly instalments by taking a loan.<\/p>\n
Remember! There is also an interesting plan for the monthly instalments – an additional amount lenders charge you for the privilege of taking the loan. <\/p>\n<\/div>\n
<\/p>\n
<\/a>2. Types of House Loans?<\/strong><\/h2>\n
\n
So, there are 3 main home loans offered in Malaysia – term, semi-flexi, and flexi loans, each with advantages and drawbacks. <\/p>\n
\n
Term Loans<\/b> – a fixed repayment schedule that does not allow a reduction in your loan interest with advance payments.<\/li>\n
Semi-Flexi Loans<\/b> – a loan that allows you to pay extra money whenever you like. <\/li>\n
Flexi Loans<\/b> – quite close to semi-flexi loans, except that these are linked to your current account, and the instalment amount is automatically deducted every month.<\/li>\n<\/ul>\n<\/div>\n
<\/p>\n
<\/a>3. Now, what is Your Budget Plan?<\/h2>\n
a. Check your credit score<\/h4>\n
A credit score<\/a><\/span><\/strong> is basically a number the lenders know about a person’s track record regarding payment ability. By knowing the credit scores, lenders decide if the person is fine enough to be provided with a new loan or a credit card.<\/p>\n
Since a credit score is your ‘financial report card’, which is reviewed to apply for a loan or a credit card, it has huge importance. When you have a good credit score, it will really be helpful, especially to get a better mortgage and interest rates.<\/p>\n
b. A mortgage calculator is your best friend<\/h4>\n
A mortgage calculator <\/a><\/span><\/strong>is a good method to budget your future housing loans’ costs, such as the house prices, loan terms, down payments, and others.<\/p>\n
For example, if you choose a shorter loan term, your payments will be higher, but you’ll pay less interest over the life of the loan. <\/p>\n
Use the calculator below as a start. <\/p>\n
\n
$\"MortgageCalculator.org\"$ <\/a>
\n<\/iframe><\/p>\n<p> <\/p>\n<h2 style=\"text-align: left;\"><strong><a id=\"no4\"><\/a>4. The Process of Applying for A House Loan<\/strong><\/h2>\n<p style=\"text-align: left;\">Once you have figured out which type of loan and how much budget is needed, you can proceed to the hardest step of all – actually applying for the housing loan.<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-36300\" src=\"https:\/\/iqiglobal-web-revamp.s3.ap-southeast-1.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2021\/09\/how-to-apply-mortgage-2021.png\" alt=\"\" width=\"1200\" height=\"630\" srcset=\"https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2021\/09\/how-to-apply-mortgage-2021.png 1200w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2021\/09\/how-to-apply-mortgage-2021-300x158.png 300w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2021\/09\/how-to-apply-mortgage-2021-1024x538.png 1024w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2021\/09\/how-to-apply-mortgage-2021-768x403.png 768w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2021\/09\/how-to-apply-mortgage-2021-370x194.png 370w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2021\/09\/how-to-apply-mortgage-2021-1080x567.png 1080w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2021\/09\/how-to-apply-mortgage-2021-865x454.png 865w, https:\/\/iqiglobal.com\/blog\/wp-content\/uploads\/2021\/09\/how-to-apply-mortgage-2021-642x337.png 642w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/p>\n<p style=\"text-align: left;\">Alright! Confidence levels are 100%, and the numbers look good. You’d need to prepare the required documents, which includes:<\/p>\n<ul style=\"list-style-type: disc;\">\n<li style=\"text-align: left;\">Copy of your IC\/passport<\/li>\n<li style=\"text-align: left;\">Salary slip<\/li>\n<li style=\"text-align: left;\">Bank account and EPF statements<\/li>\n<li style=\"text-align: left;\">Income tax receipt<\/li>\n<li style=\"text-align: left;\">Property booking form<\/li>\n<\/ul>\n<p style=\"text-align: left;\">The home loan application process can take anywhere from <b>2 days to a week, <\/b>whether or not your home loan is approved. <\/p>\n<p style=\"text-align: left;\">If your application gets rejected, you’ll have to wait<b> another 3 – 6 months <\/b>before submitting another application. So patience is key in your journey of obtaining your ideal house loan.<\/p>\n<p style=\"text-align: left;\">All the best of luck!<\/p>\n<hr>\n<p style=\"text-align: left;\"><span style=\"color: #ff6600;\"><strong>While Malaysia offers an abundance of housing loans, looking for the ideal one can be a stressful experience. So why not leave our professional team to help you along the way?<\/strong><\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"color: #ff6600;\"><strong>Please leave us a contact, and help is on the way!<\/strong><\/span><\/p>\n<p style=\"text-align: left;\">\n\t\t\t\t\t\t<script>\n\t\t\t\t\t\t\twindow.hsFormsOnReady = window.hsFormsOnReady || [];\n\t\t\t\t\t\t\twindow.hsFormsOnReady.push(()=>{\n\t\t\t\t\t\t\t\thbspt.forms.create({\n\t\t\t\t\t\t\t\t\tportalId: 5699703,\n\t\t\t\t\t\t\t\t\tformId: \"85ebae59-f425-419b-a59d-3531ad1df948\",\n\t\t\t\t\t\t\t\t\ttarget: \"#hbspt-form-1775557291000-9617659963\",\n\t\t\t\t\t\t\t\t\tregion: \"na1\",\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t})});\n\t\t\t\t\t\t<\/script>\n\t\t\t\t\t\t<div class=\"hbspt-form\" id=\"hbspt-form-1775557291000-9617659963\"><\/div><\/p>\n<\/div>\n<\/body><\/html>\n","protected":false},"excerpt":{"rendered":"<p>In the market for a new home but unsure which loan to choose? Being a homebuyer can be feeling overwhelmed during the house-hunting process.  The loan you choose will come down to which you qualify for, so let us break down the types and the process to help you determine your goals and how to…<\/p>\n","protected":false},"author":92,"featured_media":36303,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","postBodyCss":"","postBodyMargin":[],"postBodyPadding":[],"postBodyBackground":{"backgroundType":"classic","gradient":""},"footnotes":""},"categories":[222],"tags":[],"class_list":["post-36267","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-market-insights"],"yoast_head":"\n<title>Looking for the Ideal House Loan in 2021? We got you covered!<\/title>\n<meta name=\"description\" content=\"In the market for a new home but unsure which mortgage to choose? Being a homebuyer can be feeling overwhelmed during the house-hunting process.\u00a0\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/iqiglobal.com\/blog\/the-ideal-house-loan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Looking for the Ideal House Loan in 2021? We got you covered!\" \/>\n<meta property=\"og:description\" content=\"In the market for a new home but unsure which mortgage to choose? Being a homebuyer can be feeling overwhelmed during the house-hunting process.\u00a0\" \/>\n<meta property=\"og:url\" content=\"https:\/\/iqiglobal.com\/blog\/the-ideal-house-loan\/\" \/>\n<meta property=\"og:site_name\" content=\"IQI Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/IqiGlobal\" \/>\n<meta property=\"article:published_time\" content=\"2021-09-07T13:25:26+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-09T08:12:37+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2021\/09\/mortgage-2021-fi.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Contributor\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@IQIGlobal\" \/>\n<meta name=\"twitter:site\" content=\"@IQIGlobal\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Contributor\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/the-ideal-house-loan\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/the-ideal-house-loan\/\"},\"author\":{\"name\":\"Contributor\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/9bb06f7ba83a2e49595138eb13403285\"},\"headline\":\"Looking for the Ideal House Loan in 2021? We got you covered!\",\"datePublished\":\"2021-09-07T13:25:26+00:00\",\"dateModified\":\"2026-01-09T08:12:37+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/the-ideal-house-loan\/\"},\"wordCount\":643,\"publisher\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/the-ideal-house-loan\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2021\/09\/mortgage-2021-fi.png\",\"articleSection\":[\"Market Insights\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/the-ideal-house-loan\/\",\"url\":\"https:\/\/iqiglobal.com\/blog\/the-ideal-house-loan\/\",\"name\":\"Looking for the Ideal House Loan in 2021? We got you covered!\",\"isPartOf\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/the-ideal-house-loan\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/the-ideal-house-loan\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2021\/09\/mortgage-2021-fi.png\",\"datePublished\":\"2021-09-07T13:25:26+00:00\",\"dateModified\":\"2026-01-09T08:12:37+00:00\",\"description\":\"In the market for a new home but unsure which mortgage to choose? Being a homebuyer can be feeling overwhelmed during the house-hunting process.\u00a0\",\"breadcrumb\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/the-ideal-house-loan\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/iqiglobal.com\/blog\/the-ideal-house-loan\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/the-ideal-house-loan\/#primaryimage\",\"url\":\"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2021\/09\/mortgage-2021-fi.png\",\"contentUrl\":\"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2021\/09\/mortgage-2021-fi.png\",\"width\":1200,\"height\":630},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/the-ideal-house-loan\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/iqiglobal.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Looking for the Ideal House Loan in 2021? We got you covered!\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/#website\",\"url\":\"https:\/\/iqiglobal.com\/blog\/\",\"name\":\"IQI Blog\",\"description\":\"Your Source for Property Investment, Tips, and Career\",\"publisher\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/iqiglobal.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/#organization\",\"name\":\"IQI Global\",\"url\":\"https:\/\/iqiglobal.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2023\/03\/cropped-iqi-global-logo.png\",\"contentUrl\":\"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2023\/03\/cropped-iqi-global-logo.png\",\"width\":480,\"height\":180,\"caption\":\"IQI Global\"},\"image\":{\"@id\":\"https:\/\/iqiglobal.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/IqiGlobal\",\"https:\/\/x.com\/IQIGlobal\",\"https:\/\/www.instagram.com\/iqiglobal\/\",\"https:\/\/tiktok.com\/@iqiglobal?lang=en\",\"https:\/\/www.linkedin.com\/company\/iqi-group\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/9bb06f7ba83a2e49595138eb13403285\",\"name\":\"Contributor\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/d656e679bd888f41aab85d52a4613c808bc922d28df096f985f73546feeb1d53?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/d656e679bd888f41aab85d52a4613c808bc922d28df096f985f73546feeb1d53?s=96&d=mm&r=g\",\"caption\":\"Contributor\"},\"url\":\"https:\/\/iqiglobal.com\/blog\/author\/contributor\/\"}]}<\/script>\n","yoast_head_json":{"title":"Looking for the Ideal House Loan in 2021? We got you covered!","description":"In the market for a new home but unsure which mortgage to choose? Being a homebuyer can be feeling overwhelmed during the house-hunting process.\u00a0","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/iqiglobal.com\/blog\/the-ideal-house-loan\/","og_locale":"en_US","og_type":"article","og_title":"Looking for the Ideal House Loan in 2021? We got you covered!","og_description":"In the market for a new home but unsure which mortgage to choose? Being a homebuyer can be feeling overwhelmed during the house-hunting process.\u00a0","og_url":"https:\/\/iqiglobal.com\/blog\/the-ideal-house-loan\/","og_site_name":"IQI Blog","article_publisher":"https:\/\/www.facebook.com\/IqiGlobal","article_published_time":"2021-09-07T13:25:26+00:00","article_modified_time":"2026-01-09T08:12:37+00:00","og_image":[{"width":1200,"height":630,"url":"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2021\/09\/mortgage-2021-fi.png","type":"image\/png"}],"author":"Contributor","twitter_card":"summary_large_image","twitter_creator":"@IQIGlobal","twitter_site":"@IQIGlobal","twitter_misc":{"Written by":"Contributor","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/iqiglobal.com\/blog\/the-ideal-house-loan\/#article","isPartOf":{"@id":"https:\/\/iqiglobal.com\/blog\/the-ideal-house-loan\/"},"author":{"name":"Contributor","@id":"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/9bb06f7ba83a2e49595138eb13403285"},"headline":"Looking for the Ideal House Loan in 2021? We got you covered!","datePublished":"2021-09-07T13:25:26+00:00","dateModified":"2026-01-09T08:12:37+00:00","mainEntityOfPage":{"@id":"https:\/\/iqiglobal.com\/blog\/the-ideal-house-loan\/"},"wordCount":643,"publisher":{"@id":"https:\/\/iqiglobal.com\/blog\/#organization"},"image":{"@id":"https:\/\/iqiglobal.com\/blog\/the-ideal-house-loan\/#primaryimage"},"thumbnailUrl":"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2021\/09\/mortgage-2021-fi.png","articleSection":["Market Insights"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/iqiglobal.com\/blog\/the-ideal-house-loan\/","url":"https:\/\/iqiglobal.com\/blog\/the-ideal-house-loan\/","name":"Looking for the Ideal House Loan in 2021? We got you covered!","isPartOf":{"@id":"https:\/\/iqiglobal.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/iqiglobal.com\/blog\/the-ideal-house-loan\/#primaryimage"},"image":{"@id":"https:\/\/iqiglobal.com\/blog\/the-ideal-house-loan\/#primaryimage"},"thumbnailUrl":"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2021\/09\/mortgage-2021-fi.png","datePublished":"2021-09-07T13:25:26+00:00","dateModified":"2026-01-09T08:12:37+00:00","description":"In the market for a new home but unsure which mortgage to choose? Being a homebuyer can be feeling overwhelmed during the house-hunting process.\u00a0","breadcrumb":{"@id":"https:\/\/iqiglobal.com\/blog\/the-ideal-house-loan\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/iqiglobal.com\/blog\/the-ideal-house-loan\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/iqiglobal.com\/blog\/the-ideal-house-loan\/#primaryimage","url":"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2021\/09\/mortgage-2021-fi.png","contentUrl":"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2021\/09\/mortgage-2021-fi.png","width":1200,"height":630},{"@type":"BreadcrumbList","@id":"https:\/\/iqiglobal.com\/blog\/the-ideal-house-loan\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/iqiglobal.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Looking for the Ideal House Loan in 2021? We got you covered!"}]},{"@type":"WebSite","@id":"https:\/\/iqiglobal.com\/blog\/#website","url":"https:\/\/iqiglobal.com\/blog\/","name":"IQI Blog","description":"Your Source for Property Investment, Tips, and Career","publisher":{"@id":"https:\/\/iqiglobal.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/iqiglobal.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/iqiglobal.com\/blog\/#organization","name":"IQI Global","url":"https:\/\/iqiglobal.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/iqiglobal.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2023\/03\/cropped-iqi-global-logo.png","contentUrl":"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2023\/03\/cropped-iqi-global-logo.png","width":480,"height":180,"caption":"IQI Global"},"image":{"@id":"https:\/\/iqiglobal.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/IqiGlobal","https:\/\/x.com\/IQIGlobal","https:\/\/www.instagram.com\/iqiglobal\/","https:\/\/tiktok.com\/@iqiglobal?lang=en","https:\/\/www.linkedin.com\/company\/iqi-group\/"]},{"@type":"Person","@id":"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/9bb06f7ba83a2e49595138eb13403285","name":"Contributor","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/iqiglobal.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/d656e679bd888f41aab85d52a4613c808bc922d28df096f985f73546feeb1d53?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/d656e679bd888f41aab85d52a4613c808bc922d28df096f985f73546feeb1d53?s=96&d=mm&r=g","caption":"Contributor"},"url":"https:\/\/iqiglobal.com\/blog\/author\/contributor\/"}]}},"featured_image_url":"https:\/\/iqiglobal-web-revamp.s3.amazonaws.com\/wp\/blog\/wp-content\/uploads\/2021\/09\/mortgage-2021-fi.png","_links":{"self":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/36267","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/users\/92"}],"replies":[{"embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/comments?post=36267"}],"version-history":[{"count":1,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/36267\/revisions"}],"predecessor-version":[{"id":122975,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/posts\/36267\/revisions\/122975"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/media\/36303"}],"wp:attachment":[{"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/media?parent=36267"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/categories?post=36267"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/iqiglobal.com\/blog\/wp-json\/wp\/v2\/tags?post=36267"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}

<\/a>2. Types of House Loans?<\/strong><\/h2>\n\nSo, there are 3 main home loans offered in Malaysia – term, semi-flexi, and flexi loans, each with advantages and drawbacks. <\/p>\n