AIA HOME LOAN PACKAGES

AIA MORTGAGE SAVE PACKAGES

Comes with 100% Protection against Death & Permanent Disability at affordable premiums PLUS Guaranteed Savings and Cash Value

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Congratulations! You have already proven that you have what it takes to succeed in life. With hard work and sheer dedication, you now have the resources to buy a property and build your very own home. At AIA Home Loan, we recognize your efforts and offer the chance to secure your property to our low, long-term fixed rate home loan. Help make your future financial commitments safer and secure by signing up for our BLR-free loan. AIA Home Loan

AIA Home Loan offers: AIA Home Loan

• Peace of mind as it safeguards you against increasing interest rates
• Effective financial planning because your repayments are fixed AIA Home Loan
• Flexibility to pre-pay. The more you pay, the more you save
• Daily interest calculation for all packages

AIA Home Loan is available for: AIA Home Loan

• Home purchase
• Refinancing or switching of home loan from other financial institutions to AIA

Benefits of AIA Home Loan: AIA Home Loan

• Flexible prepayment - No prepayment fee will be levied if prepayment is from own savings, Employees Provident Fund or if existing loan is replaced simultaneously by another loan from AIA for the purchase of another residential property for own occupation. AIA Home Loan
• Guaranteed fixed interest rate for the entire loan period or up to 30 years. Absolutely no fluctuations in interest rate. The one opportunity to lock in at these fantastic low fixed rates for up to 30 years. AIA Home Loan
• Assured financial planning and peace of mind. Fixed monthly repayment helps to plan and chart a clearer financial planning for the family as housing loan instalment is one of the highest loan commitments in the family.
• $ Daily Interest - Loan calculation based on daily interest. AIA Home Loan
• Definition of zero moving costs - Zero moving cost are fees that will be borne by AIA which includes only valuation fees, professional legal fees, stamp duty, discharge and disbursements (such as registration fees, land office and bankruptcy searches.) Other fees such as administration charges by developers etc are excluded. AIA Home Loan

Important Note:
• All the above packages are applicable for both under construction and completed properties. AIA Home Loan
• Loan To Value is also referred as the margin of financing (ie. the percentage of loan over the current market value/purchase price)

Margin of Financing (MOF)
• MOF is based on Open Market Value (OMV) or purchase price whichever is lower for new purchase. AIA Home Loan
• OMV shall be based on the valuation report prepared by AIA panel of valuers. AIA Home Loan

*Note: Exceptions can be considered on a case by case basis. MOF is subject to the discretion of AIA Co Ltd.

Documents required for AIA Home Loan application: AIA Home Loan

1. IC (front & back)
2. Latest 3 months payslip
3. Latest 3 months bank statement AIA Home Loan
4. EA Form 2007
5. Latest EPF statement
6. Property booking receipt AIA Home Loan
7. Latest loan account statement (for refinancing only)
8. Sales & Purchase Agreement (relevant pages only)
9. Property Land Title (for refinancing only)