Home Loan Available from ING Group

 In Malaysia, the ING Insurance Berhad is actually a part of the ING Group which happened to be an international financial institution from Dutch (Netherland). Globally ING Group is possessed of an overall workforce of more than 120,000. The financial institution is offers insurance, banking, as well as asset management and serves more than 60 million clients in over 50 countries worldwide. For the financial year ended at 2006, the ING Group is having investment assets under management that is estimated at EUR600 billion. Total assets for the institution are estimated at EUR1,227 billion and shareholders' equity equalling EUR38 billion.

ING Insurance Malaysia offers all categories of insurance policies which range from general insurance, life insurance, employee benefits, home loans and many more. ING Insurance Malaysia gets the in-depth experience, sturdy financial situation, service centre network, and well-trained & professional agents and employees to provide customize and top notch services for its more than 1.5 million clients in Malaysia. For the financial year that was ended at 2006, the total asset possessed by the ING Insurance Malaysia was stood at RM8.7 billion, together with a paid-up capital of RM140 million.

Why Customer Choosing ING Home Loan?

There are many people loves to apply for ING home loan and many are wonder why? Is there any special with ING home loan company to other providers? If you ever try to apply for loan at ING or you are existing customer for this financial institution, you will know that you are getting a good loan package as well as amazing service. ING Insurance Malaysia can guarantee their customers with a home loan that is features with fixed rate for the entire loan tenure. By going for this type of loan, customer will no need to worry about the future fluctuations of the BLR (Base Lending Rate). When a customer is apply for an ING Home Loan, they will fix you a very affordable installment scheme as well as the loan tenure that you can pay back every month without much burden. Thus, as long as you are making your installment payment on time each month, you will not have any worry as you are definitely sound and safe for owning your own home when you have completely payback your loan at the end of the tenure.

For the last 26 years, BLR are vary quite drastically with the record that the BLR ever hit the rock bottom at 5.55% per annum and surged up to the highest touching of 12% per annum. While at this moment, BLR is stands at 6.60% per annum which is a moderate level for the current housing market. So if you want to apply for ING home loan but worry about the fluctuation of BLR, you may just choose for the fixed rate home loan from ING.

Refinance with ING

In case you not really clear about what is refinance, then the simple explanation for refinance is that it's the process of paying off a portion or total amount of your existing home loan by getting another loan from the same or other financial institution which is secured by the same property.

If you are interest in refinance your existing home, you will have to take the follow questions into consideration whether it is good for you to go for refinance or not:

- What are your reasons for refinancing?
- How much equity do you have in your home?
- How long do you plan to stay in your home?
- What is the interest rate of the existing loan?
- What is your current income and credit status?
- How long will it take you to recoup the cost of refinancing, and is it an acceptable period of time?
- How much will it cost to refinance?
- What is the interest rate of the new loan?

ING mortgage agents in Malaysia are currently providing home loan that carry with fixed rate of 4.99% for the whole tenure of the loan. There will be no worry on the fluctuation of BLR. Furthermore, the loans are adequately protected by ING Life policy or ING MRTA policy during the tenure of the loan.

Furthermore, these types of home loans are completely protected by ING MRTA policy or ING Life policy throughout the loan tenure. Thus, if you are interest for the loan or going for refinancing, you can always seeking advice from the professional agents from ING and they are going to provide you with the best offers that are going to satisfy you.

If you want to know more, you may check out ING Home Loan for further information.

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