Home Loan Rate Calculator
LoanPro is an effective third-party agent for financial institutions and banks. Rest assured as we have a group of energetic and professional consultants with good experience on local as well as international banking institutions with impressive mortgage industry knowledge.
Besides being known as the best loan specialist to the first-time purchaser, we are also highly experienced in refinancing and property investment. We also provide various online tool in our website such as housing loan calculator Malaysia
You must first know that the two most commonly used ways of calculating housing loan’s interest are the Reducing Balance Method and the Flat Interest Rate Method. Therefore, make sure which method is being used before you go on board on any loans.
a) Reducing Balance Method
Interest rate per instalment x Remaining loan amount = Interest Payable per Instalment
This way of calculating is normally use to count the interest payable for mortgage loans, credit cards, or overdrafts (OD) facilities. What matters is the remaining loan balance as you only pay your interest based on that. The same interest rates being used for Fixed Deposit (FD) and Savings Accounts is similar to the Effective Interest Rate which is what is being quoted for loans such as these.
b) Flat Interest Rate Method
(Original loan amount x number of years x Interest rate p.a) / Number of instalment = Interest payable per instalment
Personal loans or car purchase loans usually use this method of calculation to determine the payable interest. The interest you pay is fixed on the entire loan balance throughout the duration of the loan.And because of it, this is less beneficial for the borrowers as even if you pay down the loan, the interest that you will be paying will not lessen
For more information about the property loan Malaysia, please visit : loanpro.com.my
Shakura : Pigmentation Treatment Specialist
Shakura is a leading beauty facial treatment salon in Malaysia. Our mission at Shakura Pigmentation Beauty is to create high-performance natural treatment that works to deliver extraordinary results for your skin.
Pigmentation is the colouring of your skin. It is a skin condition where patches of the skin turn into a darker shade of colour due to excessive presence of melanin, found on skin surface.
Melanin is produced by melanocytes and functions as miniature umbrellas to skin cells to protect the skin from sun and UV damages.
Shakura Active Formula.
Specially formulated with the perfect combination of Milk Essence and Red Ruby Roselle, which is naturally enriched with Vitamin C and amino acid for pigmentation skin.
"Clinically proven to reduce pigmentation and discolouration."
In just 1 session, 6 signs of pigmentation will be visibly repaired:
- Sheds away dead skin cells
- Encourages the growth of new skin cells
- Rehydrates and revives soft, smooth and radiant skin
- Unclogs and minimises pore size
- Visibly lightens pigmentation
- Stimulates the production of collagen and elastin
For more information, please visit http://www.shakura.com.my/
Diving Resort in Sabah Malaysia
Avillion Layang Layang is an exclusive resort in Layang Layang island, one of the best dives in Malaysia. Despite being built to look like a traditional Long-house, the resort is not short on modern comforts. Diving is a core activity at this resort, and the diving facilities and programmes are comprehensive such as PADI dive centre and NAUI centre, which allow you to leaning diving and various dive sites to allow you shark diving.
Dining is a pleasure as a wide range of Eastern and Western cuisine are spread out for every meal at the restaurant, with menus changed daily. The resort can also cater for banquets, seminars, meetings, conferences and incentive group functions, with the ability to host up to 200 persons.
Each room comes with its own fridge, TV and private verandah. The resort was designed to look like a Long-house, the traditional community home of Borneo’s tribal people. But despite its charming rustic look, you’ll find all the modern amenities that you need for a comfortable stay. There is also a massage centre where you can get a body massage or foot reflexology by our experienced masseurs.
For more information, please visit http://www.avillionlayanglayang.com
Amazing Thailand Hotel Booking | Save up to 75% discounts!
Thailand’s most famous island, Phuket is an exciting island destination. In an idyllic position off the southern coast of Thailand in the Andaman Sea, Phuket has the golden sands, calm blue waters and coconut palms associated with the perfect tropical vacation. Though Phuket is the most developed of Thailand’s islands there are parts of it that still offer romance and seclusion.Phuket Town is the island’s main commercial area and accommodation in the city center is cheap.
Phuket Town is mainly a hub for business, with several malls and shopping centers, and aside from shopping is fairly light on actual tourist attractions.Phuket’s most popular resort area is Patong. Fully redeveloped after the 2004 tsunami, Patong’s main roads are lined with restaurants, shops and countless bars and clubs. The nightlife here is legendary in Asia and many book a hotel in Patong just to experience its lively after-hours scene. Travelers more interested in relaxation than revelry can still enjoy Patong for its markets, wide array of restaurants and long stretch of beach.
South of Patong Beach is Karon Beach - a much quieter town with shops, restaurants and bars that cater specifically to tourists. Kamala, to Patong’s north, also offers a good range of accommodation and infrastructure, with resorts becoming progressively more upscale towards Bang Thao, Surin and Pansea beaches. Bang Tao Beach is where the Laguna Golf Club is located, with several luxury resorts nearby.
Enjoy best discount Thailand hotel booking rates for hotels in Bangkok, Phuket, Pattaya, Chiang Mai, Krabi, Samui and more! Watch up for special offers and hotels near by places of interest of Thailand!
Kota Kinabalu, Sabah Hotels Discount Booking!
Kota Kinabalu on the island of Borneo is the capital of Sabah, Malaysia. It lies on the coastline, close to Mount Kinabalu and the Kinabalu National Park, a World Heritage site. Kota Kinabalu also serves as a gateway to the tropical islands off Malaysian Borneo, such as Gaya, Selingan and Lankayan, and is fast becoming a popular resort destination in its own right. Since Kota Kinabalu is a coastal town, visitors can have the best of both worlds and find a hotel on the city waterfront and be close to both the beaches and the center of town.
Borneo’s tallest mountain, Mount Kinabalu is a place of much biological importance. The mountain and surrounding national parkland are home to some 6000 species of plants, a significant proportion of which are endemic to the area. Thanks to this biodiversity and the range of different terrains in the park, it’s a popular place for hiking and climbing, the peak at over 4000 meters above sea level.
For beach-lovers, Tunku Abdul Rahman Park is just 10 minutes away from the city center by speedboat. The beaches are virtually uninhabited, carefully protected against pollution and very beautiful. For views of the city and beyond to the islands, the Signal Hill Observatory is a 30-story building from which visitors can enjoy unspoiled panoramas.
SEO Services Penang Malaysia
seopenang.com is Malaysia professional seo consultant company that proudly provide seo factory outlet pricing on Google, Yahoo, and Bing Top #10 (a.k.a 1st Page Ranking) results ranking guaranteed with risk free and pay for performance only with no hidden costs in Penang, Malaysia.
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Our Social Media Marketing Agency will give you the best combination of Social Networking, blogging and advertising.
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Don’t get left behind competitors in Google and Yahoo! Dotmy.com.my SEO packages is simple - that your site will be in Google’s and Yahoo’s Top 10 position listing, if not, we will refund. That’s it!
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Travel Agent Malaysia
Peterson Travel Service is a tour agent in Malaysia that provides customized Malaysia tour package and programmes for a whole range of travellers to Malaysia. From a family holiday to an unforgettable Langkawi tour and Penang tour. For the adventure seekers, they are here to give you the best possible travel plan at and Holiday in Borneo Malaysia.
They will avoid the run of the mill programmes as much as possible to make your travel a memorable experience with them. They exercise integrity & trust in our travel business and it is their priority to ensure every client has received their utmost attention at all times. Their service quality is genuine and well received since 1990.
For more information, please visit peterson-travel.com