My Achievements

35 Yearswith

Fixed Rate Housing Loan

3 IN 1 coffee

AIA FIXED RATE 3 IN 1

Which is better…

Fixed Rate

BLR-based Loan?

Or

Azizi Ali Millionaire Coach

Q Should I takea fixed or BLR loan?

Azizi Ali Millionaire Coach

‘Take a fixed interest rate mortgage as no one knows what the interest rate will be

in 5 years

let alone 35 years!’

fluctuating interest ratesBLR LOAN

No financial Control

WorriesStress

HISTORICAL BLR& AVERAGE LENDING RATES IN MALAYSIA

AVERAGE LENDING RATESOver last 5 years = 5.82%Over last 10 years = 6.11%Over last 15 years = 7.34%Over last 20 years = 7.85%Over last 30 years = 8.69%

Source : BNM Website

ANALYSIS OF LENDING RATE(source: Bank Negara Website)

12

Average BLR for 32 years : 7.88% Average Lending Rate for 32 years : 8.83%AIA HOMELOAN AT 4.85%

4

5

6

7

8

9

10

11

12

13

14

AIA FIXED AT 4.85%

11.51

6.72

10.33

8.24

6.83

11.51

10.33

6.66.99

8.70

12.80

12.25

6.415.06

ANALYSIS OF LENDING RATE(source: Bank Negara Website)

13

1984 1992 1998 2006 2013

BLR 12.8 10.51 11.51 6.72 6.6

AIA HOMELOAN 4.85 4.85 4.85 4.85 4.25

1

3

5

7

9

11

13

AIA FIXED AT 4.85%

No Such Thing As

A “Fixed” BLR Package

Important Note: 1)Banks can change and

increase at its SOLE DISCRETION…BLR, interest

margin/spread. 2)Borrowers can do NOTHING to

control this situation. 3)BLR can affect borrowers

financially as home loans are the biggest liability

The Bank has the right to vary the loan pricing i.e. the interest spread and/or BLR..

IN THE NEWS

15

Article – Star Biz 24th March 2011

“..borrowers would also be stressed-tested in the event interest rates were to rise by 100 to 200 basis points from the time the loan is applied..”

Meaning: BORROWERS SHOULD BE PREPARED IF THEY ARE ABLE TO AFFORD A FURTHER RATE HIKE OF 1% TO 2%.

Since 2010, the BLR has increased

4 times and gone up by a total

of 1.05%p.a

BLR has increased

From 5.55% to 6.6%

Interest Rate Instalment Interest Principal

BLR: 5.55%BLR: 6.6%

IMPACT ON

RISING INTEREST BLR

17

RM500,000 loan BLR 5.55% p.a. 30 years.

5.55%6.6%

RM2,855

RM2,313

RM2,750

(+ RM 437)

RM 542

RM105( - RM 437)

A 1% increase in BLR could increase your

loan instalment by 11%?

Your loan tenure could be extended by a further 10 years if your instalment remains the same ~ for a loan of M500k & 30 years tenure.

IMPACT ON

RISING INTEREST BLR

AIA HOME LOAN SOLUTION

• Loan extension of 10 years • Amount paid : 10 years x 12 x Rm2855

= RM342,600

Article from the Star paper 18-7-2013By INTAN FARHANA ZAINUL | intanzainul@thestar.com.my

Standard Chartered Bank is maintaining its forecast that Bank Negara will increase the

overnight borrowing rate to 3.25% in November..It said inflation was a secondary concern because it is “rising slowly”.

IMPACT ON

RISING INTEREST BLR

AIA HOME LOAN SOLUTION

21

Real Capital Gains

Security

Fixed rate Peace of mind

Flexibility

Special “Zero Moving Cost”

Affordability

Latest Packages

Package 1: 4.85%p.a. FIXEDThe Lowest Long Term Fixed Rate In TheMarket

Package 2:5.25%p.a. FIXEDWith Zero Moving Cost Features

Package 3:4.25%p.a (2 years), 4.99% (Thereafter)Lower Rates + Peace of Mind

Latest Packages

No early termination fee if settlement the loan is via sale of property and own savings for

all 3 packages

RECOMMENDATION

24

HOW TO COME OUT A WINNER?

1) NEVER BE EXPOSED TO THAT CANHURT YOU FINANCIALLY 2) ALWAYS BE IN CONTROL – HEDGE YOUR INVESTMENT COSTS

3) PEACE OF MIND HELPS YOU TOSLEEP SOUNDLY AT NIGHT!

Why Me? My Credentials

• I am a certified and registered financial planner

• I am a premier life planner• I am an MDRT qualifier• I pride myself as an award winning agency• I have a 35 years experience in customer

support service and agency management• My son had already come on board as my

business partner

Referrals

• Executives and Managers• S & P Lawyers • Real estate agents• Developers