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Land Loan

[/fusion_title][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container][fusion_builder_container hundred_percent=”no” hundred_percent_height=”no” hundred_percent_height_scroll=”no” hundred_percent_height_center_content=”yes” equal_height_columns=”no” menu_anchor=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” status=”published” publish_date=”” class=”” id=”” background_color=”” background_image=”” background_position=”center center” background_repeat=”no-repeat” fade=”no” background_parallax=”none” enable_mobile=”no” parallax_speed=”0.3″ video_mp4=”” video_webm=”” video_ogv=”” video_url=”” video_aspect_ratio=”16:9″ video_loop=”yes” video_mute=”yes” video_preview_image=”” border_color=”” border_style=”solid” margin_top=”” margin_bottom=”” padding_top=”30px” padding_right=”” padding_bottom=”0px” padding_left=”” type=”legacy”][fusion_builder_row][fusion_builder_column type=”2_5″ layout=”2_5″ spacing=”” center_content=”no” link=”” target=”_self” min_height=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” background_color=”” background_image=”” background_image_id=”” background_position=”left top” background_repeat=”no-repeat” hover_type=”none” border_color=”” border_style=”solid” border_position=”all” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=”” last=”false” border_sizes_top=”0″ border_sizes_bottom=”0″ border_sizes_left=”0″ border_sizes_right=”0″ first=”true” spacing_right=””][fusion_imageframe image_id=”68|full” max_width=”” style_type=”” blur=”” stylecolor=”” hover_type=”none” bordersize=”” bordercolor=”” borderradius=”” align=”none” lightbox=”no” gallery_id=”” lightbox_image=”” lightbox_image_id=”” alt=”” link=”” linktarget=”_self” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=””]http://www.fastbusinessloanklselangor.com/wp-content/uploads/2019/03/land-loan-i.jpg[/fusion_imageframe][/fusion_builder_column][fusion_builder_column type=”3_5″ layout=”3_5″ spacing=”” center_content=”no” link=”” target=”_self” min_height=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=”” background_color=”” background_image=”” background_image_id=”” background_position=”left top” background_repeat=”no-repeat” hover_type=”none” border_color=”” border_style=”solid” border_position=”all” padding_top=”” padding_right=”” padding_bottom=”” padding_left=”” margin_top=”” margin_bottom=”” animation_type=”” animation_direction=”left” animation_speed=”0.3″ animation_offset=”” last=”true” border_sizes_top=”0″ border_sizes_bottom=”0″ border_sizes_left=”0″ border_sizes_right=”0″ first=”false”][fusion_text columns=”” column_min_width=”” column_spacing=”” rule_style=”default” rule_size=”” rule_color=”” hide_on_mobile=”small-visibility,medium-visibility,large-visibility” class=”” id=””]

A land loan is a loan that is to be used to purchase a piece of raw land.  A land loan is purely used for the purchase of a land that is currently vacant, with building under construction or no building to go under construction anytime soon.

Getting a loan from banks to purchase a land is usually one of the most difficult loans to get compared to mortgage loans.  This is because a piece of raw land is generally cheaper than the same piece of land with a house or infrastructure built on it. The means the collateral for a land loan is low-priced compared to that used for a mortgage. However, this also means that a land loan is usually lower.

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We provide land loans that are more generous and easy to avail without the tedious documentation and extensive formalities.  We believe in the continuous progress of Malaysia and have faith that land regardless if it remains vacant, will soon appreciate in value increasingly as the country continue to prosper.

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As experts in real estate market, we have proficiency and know-how to determine how you can get the best possible amount of land loan. The land loan will ultimately depend on the value of the land that you will be purchasing. Aside from the economics that dictates the land’s value, its estimated value will also include your plan on the land such as any developments like construction of a building that you are planning on it. This makes us more liberal and open-handed in providing you with land loan.

Note however that to consider your plan for land you want to purchase, it must nevertheless follow certain protocols such as a proof that said land is legally available for planned use or is appropriately located in the proper zone for development. This also included proper land survey done on the property, which will determine the dimensions, access, easements, and property lines, among others, which adds to the value of the land.

Holding raw land is speculative.  This is precisely why it land loans are usually not provide by large national banks and only small banks and credit unions offer this type of loan.  It is difficult to get financing support from banks to buy a land because raw land is difficult to sell and the debtor becomes susceptible to default the loan.  Moreover, it is also easier for borrowers to walk away from a raw land than a land where his residence is built and where he actually lives.  This is also results to higher interest rates for land loans to offset such risk.

We however always bet on the importance of land.  Land is the only asset that hardly or never depreciates. Land is an asset that will definitely appreciate.  And the only thing that we are waiting for is the pace and extent of appreciation of land.  And considering Malaysia’s continued progress, we are certain that land in Malaysia will continue to appreciate.  And because of this, we make generous land loans affordable and accessible to more people.

Here are the documents required to be eligible for land loan:

  • Malaysian Citizen or Permanent Resident
  • 3 months Latest Bank Statement
  • 3 months Latest Pay Slip
  • Photocopy of IC
  • Latest EPF Contribution Statement
  • Latest Electricity Bill & Water Bill
  • Original Sales and Purchase Agreement
  • Loan Agreement
  • Quit Rent & Assessment

Besides than Land Loan, you may be interested in other loans services such as Personal Loan, Factory Loan, Business Loan and SME Loan.

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