March 23, 2018

Review K Fry Urban Korean di IOI City Mall

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Assalamualaikum. Hai 😊

Review Kfry Urban Korea di IOI City Mall | since last week aira nak update blog tentang Kfry Urban Korea ni sebab terasa rugi kalau tak update. Nanti lepas baca, korang pun mesti teringin nak cuba makanan Korea dekat sini. Kalau nak tahu, Kfry ni kalau tak beratur sejam hingga dua jam sebelum makan memang tak sah! sebab memang pelanggan sentiasa penuh, ramai sangattttt. korang boleh google tengok macam mana panjangnya orang sanggup beratur semata untuk makan dekat sini. Tapi alhamdulillah, waktu aira pergi dengan kawan, memang beratur tu jadi orang ketiga je! walaupun kitorang dah reserved pukul 2.30pm, tapi kalau dah 11.00am takde orang, baik masuk terus je. hihi

sementara menunggu, waiter terus bagi senarai menu dan ambil order kita. for me, sistematik sebab bila dia dah assist meja untuk kita, dalam 5-10 minit makanan dah sampai. syok la gitu.

Review Kfry Urban Korea di IOI City Mall, kfry, ayam goreng, ioi city mall, ioi, kfry ioi, kfry kl

Review Kfry Urban Korea di IOI City Mall, k fry ioi, ayam goreng, ioi city mall, ioi, kfry ioi, kfry kl
KFRY Yangmyeom Chicks - RM28.90
This gonna be my favourite forever sebab sedap ya amat bagi aira. mungkin datang lagi sekali untuk makan ni je. haha. A must try!
Review Kfry Urban Korea di IOI City Mall, k fry ioi, ayam goreng, ioi city mall, ioi, kfry ioi, kfry kl
K'razy Spicy Cheesy Fried Chicken Bumbuk - RM49.90
sedap juga tapi cheese agak muak lah. Kitorang ambil yang spicy, and memang spicy betul. tak tahu lah bagi orang lain biasa ke macam mana. haha. video yang orang tarik-tarik ni pun ada tau, dekat instagram aira : @airanasrin
Review Kfry Urban Korea di IOI City Mall, kfry, ayam goreng, ioi city mall, ioi, kfry ioi, kfry kl, jigae
Budae Jigae - RM38.90
penggemar sup memang perlu cuba yang ni. sebab aira memang minat sup so, a good choice for me. Tapi rasa tetapi tak boleh lawan yang makan dekat Seoul dulu 😃
Review Kfry Urban Korea di IOI City Mall, kfry, ayam goreng, ioi city mall, ioi, kfry ioi, kfry kl
Anchovies & Tuna - RM18.90
nama lainnya rice ball, campuran ikan bilis, tuna, nasi, seaweed and lupa dah ape lagi. bagi aira, biasa-biasa je tapi yang lain semua suka.
Review Kfry Urban Korea di IOI City Mall, kfry, ayam goreng, ioi city mall, ioi, kfry ioi, kfry kl, hanbing, ais
Mango Bingsoo - RM28.00
Ini favourite semua orang! Kitorang minta bingsoo ni hantar lambat sikit sebab takut cair kan, so lepas makan baru sampai. kira makan dalam keadaan relax gituu. overall? 5/5! Makanan sedap, layanan baik. what else do you want? hihi. Gonna be here again, in shaa Allah 💚




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March 12, 2018

10 Home Loan Tips

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Assalamualaikum. Hye !

loan tips, loan


Buying a home can be both an exciting and daunting experience. Finding the perfect home may be the end goal, but it is just one step in the process. The housing loan that you choose can be just as important. In today’s guide, we have compiled 10 tips to help you find the right home loan.

      1.  Save for a down payment

You will be need to be able to put down a down payment ranging from 3% to 20% of the purchase price of the home. The exact percentage will depend on the bank you lend from and the type of loan you choose. If you are unable to put down a large down payment, there are still loans with higher margins of financing available. However, be cautious as these types of loans may have higher interest rates.

You can establish a monthly budget to figure out how much money you can comfortably put down each money towards a down payment. Once you’ve assessed your budget, make monthly deposits from your paycheck to a savings account specifically for this purpose. You can even consider having a certain amount of your income set aside automatically each month, which makes the process much easier and hassle free.

2. Use a housing loan calculator

Home loan calculators are great tools that can help you visualize all the finances involved in buying a house. They are easy to use and give you an estimate on your monthly home loan repayment amount. Not only that, they can also show you how much your payment would vary under different home price, down payment and interest rate scenarios.

All you need is to enter the purchase price, down payment amount, loan period and interest rate. In turn, it will generate principal, interest and balance loan repayment amount over a loan period and by year. There are a number of homeloan calculator malaysia available. All this help is just a click away.

3.  Check your credit score

Your credit score is the first thing that banks will look at before they decide if you are eligible for a loan. The minimum score will depend on the type of loan you are applying for. Thus, having a good credit score will put you in a better position to attract the best possible deal on your loan. Take into account the 3 Cs: character, capital and capacity

Obtain a copy of your credit report in advance, much earlier before you start the home buying process. Take a thorough look at your credit profile. Do think about what your profile will look like to potential lenders. Steer clear of financial decisions that could hurt your credit score, i.e. bad payment history, defaulting on loans, having over-the-limit credit card balances. It doesn’t matter if you have outstanding debt, as long as you have a good and prompt payment history and good attitude towards your loan. Once you have analyzed your credit position, take the appropriate steps to improve your credit score as necessary.

4.  Prepare your financial documents

Have all your financial documents readily assembled when you apply for a housing loan. This helps accelerate the process of your loan application. Documents that are typically needed include your last 3 months pay slips, current bank statements and sometimes also tax returns.

5.  Use a housing loan calculator

Home loan calculators are great tools that can help you visualize all the finances involved in buying a house. They are easy to use and give you an estimate on your monthly home loan repayment amount. Not only that, they can also show you how much your payment would vary under different home price, down payment and interest rate scenarios.

All you need is to enter the purchase price, down payment amount, loan period and interest rate. In turn, it will generate principal, interest and balance loan repayment amount over a loan period and by year. There are a number of home loan calculator malaysia available. All this help is just a click away.

6.  Compare multiple offers

Remember that not all loans are created equal. Some loans might have the same interest rate, but the underlying expenses in points and fees could make one loan offer more expensive than another. It is therefore vital that you understand all the components that determine the price of your housing loan. Shop around for a few offers before you settle on one. This helps you accurately compare the offers that are given to you and also gives you more options when you are rejected for a loan. This way, getting a ‘no’ from one lender does not mean that you are out of luck.

7.  Trace and track interest rates

The interest rate of the loan might be the single biggest factor in determining the true cost of your housing loan. Interest rates are volatile and change almost every day. It is a good idea to analyze the path of interest rate patterns in order to know which way they are heading and anticipate the interest rate you will be offered for your loan.

8.  Get pre-qualified

Getting yourself pre-qualified can open up the range of prospective properties you can view. This is because many real estate agents would want you to be pre-qualified for a loan before they start working with you. This loan pre-qualification process is simple and usually just requires some financial information, i.e. your monthly income, savings and capital you possess and the investments you have. Furthermore, getting pre-qualified also helps you obtain a better sense of your financial standing. This helps you know how much you can comfortably borrow and the range of purchase price of the homes you can really afford.

9.  Understand all loan options available

Multiple types of loans exist. They can be fixed-rate, or flexible-rate loans. Just because your parents had a 30-year loan with fixed interest, and your best friend took an adjustable loan with flexible interest, doesn’t mean that either of these loans is the right one for you. You may prefer the predictability of a fixed-rate loan, or the flexibility of an adjustable-rate loan. Every person will have their own financial situation. Thus, it will be important that you understand what types of loan options are available in order to choose the perfect fit that best suits your financial condition and needs.

10.  Respond to your lender promptly

Once you have applied for a home loan, make sure you respond quickly and promptly to your lender. They might want additional information, or even some clarification on some possible issues. Do not wait too long to respond, as this might cause delays in closing your loan. Return your paperwork as fast as possible. Otherwise, you might risk jeopardizing your home purchase and end up losing your home, as well as your deposit.

11.  Keep your credit clean during the process

Just because your loan is being processed, doesn’t mean you are off the hook yet. Banks and financial institutions have the tendency to pull your credit report for a second or third time during the loan application process. So, take home this key tip: don’t do anything that could affect your credit score while your loan is being processed. Pay your bills on time, don’t apply for any new credit cards, and certainly don’t take out ant other loans until your home loan has been approved and the offer has been closed.

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