YEK Mortgage Solutions

YEK Mortgage Solutions We dedicate to provide mortgage consulting services to individuals/families on homeownership.

We are a leading mortgage consultant firm with over 14 years of experience in the industry. We have been dedicated to providing exceptional mortgage consulting services and guiding countless individuals and families on their path to homeownership and financial success.

๐Ÿš— Car loan. ๐Ÿ’ณ Credit cards. ๐Ÿ’ฐ Personal loan.Does having existing commitments mean you canโ€™t buy a house? ๐Ÿ Not necessaril...
17/08/2026

๐Ÿš— Car loan. ๐Ÿ’ณ Credit cards. ๐Ÿ’ฐ Personal loan.

Does having existing commitments mean you canโ€™t buy a house? ๐Ÿ 

Not necessarily.

Your home loan eligibility depends on more than just the number of commitments you have. Banks may consider your income, existing monthly repayments, credit profile and overall financial position.

Before assuming the answer is โ€œNoโ€, understand where you stand first.

๐Ÿ“ฉ Planning to buy a home? Talk to YEK Mortgage Solutions for a loan eligibility review.
โ˜Ž๏ธ 04-305 6070
โœ… wasap.my/+60104023288/
FREE face-to-face consultation
10AMโ€“6PM Monโ€“Fri
๐Ÿ“ 7-2, Vantage Point, Jalan Lenggong, Symphony Park 11600 Jelutong, Penang, Malaysia.

#ไนฐๆˆฟๆŠ•่ต„ #ไนฐๆˆฟ #ไนฐๆˆฟ้‚ฃไบ›ไบ‹

๐Ÿก Most people assume their spouse automatically owns the house if something happens to them.The reality? It doesn't alwa...
01/08/2026

๐Ÿก Most people assume their spouse automatically owns the house if something happens to them.

The reality? It doesn't always work that way.

Without proper estate planning, your spouse may face unexpected legal complications when trying to:

โ€ข Sell the property
โ€ข Refinance the mortgage
โ€ข Transfer ownership

๐‚๐จ๐ง๐ญ๐š๐œ๐ญ ๐”๐ฌ ๐Ÿ๐จ๐ซ ๐ฆ๐จ๐ซ๐ž ๐Œ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž ๐‹๐จ๐š๐ง ๐ข๐ง๐Ÿ๐จ

โ˜Ž๏ธ 04-305 6070
โœ… wasap.my/+60104023288/
FREE face-to-face consultation
10AMโ€“6PM Monโ€“Fri
๐Ÿ“ 7-2, Vantage Point, Jalan Lenggong, Symphony Park 11600 Jelutong, Penang, Malaysia.
#ไนฐๆˆฟๆŠ•่ต„ #ไนฐๆˆฟ #ไนฐๆˆฟ้‚ฃไบ›ไบ‹
#ๆงŸๅŸŽๆˆฟๅœฐไบง



๐Ÿ  ๐‘๐ž๐Ÿ๐ข๐ง๐š๐ง๐œ๐ข๐ง๐  ๐˜๐จ๐ฎ๐ซ ๐‡๐จ๐ฆ๐ž ๐‹๐จ๐š๐ง ๐ข๐ง ๐Œ๐š๐ฅ๐š๐ฒ๐ฌ๐ข๐šWant to review your current home loan package and see if there is a better optio...
19/07/2026

๐Ÿ  ๐‘๐ž๐Ÿ๐ข๐ง๐š๐ง๐œ๐ข๐ง๐  ๐˜๐จ๐ฎ๐ซ ๐‡๐จ๐ฆ๐ž ๐‹๐จ๐š๐ง ๐ข๐ง ๐Œ๐š๐ฅ๐š๐ฒ๐ฌ๐ข๐š
Want to review your current home loan package and see if there is a better option for you?

Refinancing may help you:
โœ… Lower your monthly instalment
โœ… Compare for a better rate / package
โœ… Explore cash-out option for renovation or other approved needs

Before refinancing, it is important to review:
โœ… Your current loan / financing package
โœ… Lock-in period
โœ… Legal and valuation fees
โœ… Eligibility and property value

Thinking about refinancing your home loan in 2026? Let us help you review your options and understand what may suit your financial goals.

๐Ÿ“ฉ ๐Œ๐ž๐ฌ๐ฌ๐š๐ ๐ž ๐ฎ๐ฌ ๐ง๐จ๐ฐ ๐Ÿ๐จ๐ซ ๐š ๐ฉ๐ซ๐ž๐ฅ๐ข๐ฆ๐ข๐ง๐š๐ซ๐ฒ ๐š๐ฌ๐ฌ๐ž๐ฌ๐ฌ๐ฆ๐ž๐ง๐ญ.
General information only. Final loan approval is subject to the bankโ€™s assessment, current policy, terms and conditions.

โ˜Ž๏ธ 04-305 6070
โœ… wasap.my/+60104023288/
FREE face-to-face consultation
10AMโ€“6PM Monโ€“Fri
๐Ÿ“ 7-2, Vantage Point, Jalan Lenggong, Symphony Park, 11600 Jelutong, Penang, Malaysia.

#ไนฐๆˆฟๆŠ•่ต„ #ไนฐๆˆฟ #ไนฐๆˆฟ้‚ฃไบ›ไบ‹
#ๆงŸๅŸŽๆˆฟๅœฐไบง



14/07/2026

๐Ÿ“ ๐‘๐ž๐š๐ฌ๐จ๐ง๐ฌ ๐ญ๐จ ๐‘๐ž๐Ÿ๐ข๐ง๐š๐ง๐œ๐ž ๐“๐จ๐ฎ๐ซ ๐Œ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž ๐‹๐จ๐š๐งโ“

๐‹๐จ๐ฐ๐ž๐ซ ๐ˆ๐ง๐ญ๐ž๐ซ๐ž๐ฌ๐ญ ๐‘๐š๐ญ๐ž๐ฌ: One of the primary motivations for refinancing is to take advantage of lower interest rates. If market interest rates have decreased since you initially obtained your loan, refinancing can allow you to secure a new loan with a lower interest rate. This can result in lower monthly repayments and potentially significant long-term savings on interest payments.

๐‘๐ž๐๐ฎ๐œ๐ž๐ ๐Œ๐จ๐ง๐ญ๐ก๐ฅ๐ฒ ๐๐š๐ฒ๐ฆ๐ž๐ง๐ญ๐ฌ: Refinancing can be pursued to extend the loan tenure, leading to lower monthly repayments. While this may increase the overall interest paid over the life of the loan, it can provide immediate relief to your monthly budget, making it more manageable.

๐ƒ๐ž๐›๐ญ ๐‚๐จ๐ง๐ฌ๐จ๐ฅ๐ข๐๐š๐ญ๐ข๐จ๐ง: Refinancing can be used as a strategy to consolidate multiple debts into a single loan. By combining various high-interest debts into one loan with a potentially lower overall interest rate, individuals can simplify their financial obligations and reduce the financial strain associated with multiple payments.

๐‡๐จ๐ฆ๐ž ๐„๐ช๐ฎ๐ข๐ญ๐ฒ ๐€๐œ๐œ๐ž๐ฌ๐ฌ: For homeowners with substantial equity in their properties, refinancing can be a means to access that equity. Through cash-out refinancing, individuals can borrow more than the existing mortgage balance and receive the excess amount in cash. This cash can be used for home improvements, debt consolidation, or other financial needs.

๐…๐จ๐ซ ๐Œ๐จ๐ซ๐ž ๐ˆ๐ง๐Ÿ๐จ๐ซ๐ฆ๐š๐ญ๐ข๐จ๐ง
โ˜Ž๏ธ 04-305 6070
โœ… wasap.my/+60104023288/mortgageloanconsultation
FREE face-to-face consultation (10AM-6PM Mon-Fri)
๐Ÿ“ 7-2, Vantage Point, Jalan Lenggong, Symphony Park 11600 Jelutong, Penang, Malaysia.









Penang Job Vacancies ๐Ÿ“ข ๐–๐žโ€™๐ซ๐ž ๐‡๐ข๐ซ๐ข๐ง๐  โ€“ ๐Œ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž ๐๐š๐ง๐ค๐ž๐ซ & ๐’๐š๐ฅ๐ž๐ฌ ๐€๐๐ฆ๐ข๐ง ๐Ÿ“ข๐Ÿ’ต๐๐ž๐ซ๐ฌ๐จ๐ง๐š๐ฅ ๐๐š๐ง๐ค๐ž๐ซ (RM3K ~ 6K)๐Ÿ’ต๐’๐š๐ฅ๐ž๐ฌ ๐€๐๐ฆ๐ข๐ง (RM2.5K)โœจ ...
28/06/2026

Penang Job Vacancies
๐Ÿ“ข ๐–๐žโ€™๐ซ๐ž ๐‡๐ข๐ซ๐ข๐ง๐  โ€“ ๐Œ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž ๐๐š๐ง๐ค๐ž๐ซ & ๐’๐š๐ฅ๐ž๐ฌ ๐€๐๐ฆ๐ข๐ง ๐Ÿ“ข
๐Ÿ’ต๐๐ž๐ซ๐ฌ๐จ๐ง๐š๐ฅ ๐๐š๐ง๐ค๐ž๐ซ (RM3K ~ 6K)
๐Ÿ’ต๐’๐š๐ฅ๐ž๐ฌ ๐€๐๐ฆ๐ข๐ง (RM2.5K)

โœจ ๐‘๐ž๐ช๐ฎ๐ข๐ซ๐ž๐ฆ๐ž๐ง๐ญ๐ฌ:
โœ”๏ธ Minimum Diploma qualification
โœ”๏ธ Age between 21 โ€“ 35 years old
โœ”๏ธ Passion for finance, sales, and helping clients achieve their goals
โœ”๏ธ Good communication & interpersonal skills

๐Ÿ’ผ ๐–๐ก๐š๐ญ ๐–๐ž ๐Ž๐Ÿ๐Ÿ๐ž๐ซ:
โœ… Professional training and career development
โœ… Attractive incentives & performance-based rewards
โœ… A dynamic and supportive team environment

๐Ÿ“ Location: 7-2, Vantage Point, Jalan Lenggong, Symphony Park 11600 Jelutong, Penang, Malaysia.
๐Ÿ“ฉ To apply, please send your CV to wasap.my/+60104023288?text=facebook%vacancy%job

#ๆงŸๅŸŽๆ‰พๅทฅ #ๆงŸๅŸŽๅทฅไฝœ

๐Ÿ“ข ๐–๐žโ€™๐ซ๐ž ๐‡๐ข๐ซ๐ข๐ง๐  โ€“ ๐Œ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž ๐๐š๐ง๐ค๐ž๐ซ & ๐’๐š๐ฅ๐ž๐ฌ ๐€๐๐ฆ๐ข๐ง ๐Ÿ“ข๐Ÿ’ต๐๐ž๐ซ๐ฌ๐จ๐ง๐š๐ฅ ๐๐š๐ง๐ค๐ž๐ซ (RM3K ~ 6K)๐Ÿ’ต๐’๐š๐ฅ๐ž๐ฌ ๐€๐๐ฆ๐ข๐ง (RM2.5K)โœจ ๐‘๐ž๐ช๐ฎ๐ข๐ซ๐ž๐ฆ๐ž๐ง๐ญ๐ฌ:โœ”๏ธ Minim...
28/06/2026

๐Ÿ“ข ๐–๐žโ€™๐ซ๐ž ๐‡๐ข๐ซ๐ข๐ง๐  โ€“ ๐Œ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž ๐๐š๐ง๐ค๐ž๐ซ & ๐’๐š๐ฅ๐ž๐ฌ ๐€๐๐ฆ๐ข๐ง ๐Ÿ“ข
๐Ÿ’ต๐๐ž๐ซ๐ฌ๐จ๐ง๐š๐ฅ ๐๐š๐ง๐ค๐ž๐ซ (RM3K ~ 6K)
๐Ÿ’ต๐’๐š๐ฅ๐ž๐ฌ ๐€๐๐ฆ๐ข๐ง (RM2.5K)

โœจ ๐‘๐ž๐ช๐ฎ๐ข๐ซ๐ž๐ฆ๐ž๐ง๐ญ๐ฌ:
โœ”๏ธ Minimum Diploma qualification
โœ”๏ธ Age between 21 โ€“ 35 years old
โœ”๏ธ Passion for finance, sales, and helping clients achieve their goals
โœ”๏ธ Good communication & interpersonal skills

๐Ÿ’ผ ๐–๐ก๐š๐ญ ๐–๐ž ๐Ž๐Ÿ๐Ÿ๐ž๐ซ:
โœ… Professional training and career development
โœ… Attractive incentives & performance-based rewards
โœ… A dynamic and supportive team environment

๐Ÿ“ Location: 7-2, Vantage Point, Jalan Lenggong, Symphony Park 11600 Jelutong, Penang, Malaysia.
๐Ÿ“ฉ To apply, please send your CV to wasap.my/+60104023288?text=facebook%vacancy%job

#ๆงŸๅŸŽๆ‰พๅทฅ #ๆงŸๅŸŽๅทฅไฝœ

๐Ÿ  ๐‡๐จ๐ฐ ๐Œ๐ฎ๐œ๐ก ๐‡๐จ๐ฎ๐ฌ๐ข๐ง๐  ๐‹๐จ๐š๐ง ๐‚๐š๐ง ๐˜๐จ๐ฎ ๐๐ฎ๐š๐ฅ๐ข๐Ÿ๐ฒ ๐…๐จ๐ซ?Your income is not the only factor banks will assess.They will also review y...
28/06/2026

๐Ÿ  ๐‡๐จ๐ฐ ๐Œ๐ฎ๐œ๐ก ๐‡๐จ๐ฎ๐ฌ๐ข๐ง๐  ๐‹๐จ๐š๐ง ๐‚๐š๐ง ๐˜๐จ๐ฎ ๐๐ฎ๐š๐ฅ๐ข๐Ÿ๐ฒ ๐…๐จ๐ซ?

Your income is not the only factor banks will assess.

They will also review your:

โœ… Monthly commitments
โœ… CCRIS and credit profile
โœ… Age and loan tenure
โœ… Employment and income stability

Planning to buy your first home or upgrade to a new property? Let us help you get a quick estimate of your housing loan eligibility.

๐Ÿ“ฉ ๐Œ๐ž๐ฌ๐ฌ๐š๐ ๐ž ๐ฎ๐ฌ ๐ง๐จ๐ฐ ๐Ÿ๐จ๐ซ ๐š ๐ฉ๐ซ๐ž๐ฅ๐ข๐ฆ๐ข๐ง๐š๐ซ๐ฒ ๐š๐ฌ๐ฌ๐ž๐ฌ๐ฌ๐ฆ๐ž๐ง๐ญ.
Estimate only. Final loan approval is subject to the bankโ€™s assessment, terms and conditions.
โ˜Ž๏ธ 04-305 6070
โœ… wasap.my/+60104023288/

FREE face-to-face consultation
10AMโ€“6PM Monโ€“Fri

๐Ÿ“ 7-2, Vantage Point, Jalan Lenggong, Symphony Park, 11600 Jelutong, Penang, Malaysia.

#ไนฐๆˆฟๆŠ•่ต„ #ไนฐๆˆฟ #ไนฐๆˆฟ้‚ฃไบ›ไบ‹
#ๆงŸๅŸŽๆˆฟๅœฐไบง



Thinking of buying a house in 2026? Before choosing your dream home, it is important to understand what your salary can ...
07/06/2026

Thinking of buying a house in 2026? Before choosing your dream home, it is important to understand what your salary can realistically afford.

๐Š๐ž๐ฒ ๐๐จ๐ข๐ง๐ญ๐ฌ ๐‡๐จ๐ฆ๐ž๐›๐ฎ๐ฒ๐ž๐ซ๐ฌ ๐’๐ก๐จ๐ฎ๐ฅ๐ ๐Š๐ง๐จ๐ฐ

๐„๐ฌ๐ญ๐ข๐ฆ๐š๐ญ๐ž๐ ๐‡๐จ๐ฎ๐ฌ๐ž ๐๐ซ๐ข๐œ๐ž ๐›๐ฒ ๐’๐š๐ฅ๐š๐ซ๐ฒ
Your income gives you a rough guide on the property price range you may afford. However, the final loan approval still depends on your DSR, income profile, credit record, and existing commitments.

๐Œ๐จ๐ง๐ญ๐ก๐ฅ๐ฒ ๐‹๐จ๐š๐ง ๐๐ž๐ง๐œ๐ก๐ฆ๐š๐ซ๐ค
A common guide is to keep your monthly housing loan around 30% of your net income. This helps you stay financially comfortable and avoid overcommitting.

๐”๐ฉ๐Ÿ๐ซ๐จ๐ง๐ญ ๐‚๐จ๐ฌ๐ญ๐ฌ ๐“๐จ ๐๐ซ๐ž๐ฉ๐š๐ซ๐ž
The house price is only part of the budget. Homebuyers should also prepare for down payment, legal fees, stamp duty, renovation, moving costs, and emergency funds.

๐–๐ก๐š๐ญ ๐๐š๐ง๐ค๐ฌ ๐‚๐ก๐ž๐œ๐ค
Banks usually look at your DSR, net income, existing commitments, CCRIS record, repayment behaviour, and job stability before approving your home loan.

๐Œ๐š๐ข๐ง ๐†๐จ๐š๐ฅ
To help homebuyers understand their real affordability, plan their cash flow properly, and make smarter financing decisions before buying a property.

Buying a home is a big commitment. Always check your loan eligibility, monthly instalment, and cash-on-hand before making a decision.

๐‚๐จ๐ง๐ญ๐š๐œ๐ญ ๐”๐ฌ ๐Ÿ๐จ๐ซ ๐ฆ๐จ๐ซ๐ž ๐Œ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž ๐‹๐จ๐š๐ง ๐ข๐ง๐Ÿ๐จ
โ˜Ž๏ธ 04-305 6070
โœ… wasap.my/+60104023288/

FREE face-to-face consultation
10AMโ€“6PM Monโ€“Fri

๐Ÿ“ 7-2, Vantage Point, Jalan Lenggong, Symphony Park 11600 Jelutong, Penang, Malaysia.

#ไนฐๆˆฟๆŠ•่ต„ #ไนฐๆˆฟ #ไนฐๆˆฟ้‚ฃไบ›ไบ‹
#ๆงŸๅŸŽๆˆฟๅœฐไบง



Wishing everyone a peaceful and blessed Wesak Day. โ˜˜๏ธ
31/05/2026

Wishing everyone a peaceful and blessed Wesak Day. โ˜˜๏ธ

๐ŸŒ™ Selamat Hari Raya Haji ๐ŸŒ™Wishing you and your loved ones a blessed Hari Raya Haji filled with peace, happiness, and mea...
27/05/2026

๐ŸŒ™ Selamat Hari Raya Haji ๐ŸŒ™
Wishing you and your loved ones a blessed Hari Raya Haji filled with peace, happiness, and meaningful moments together.

Address

7-2, Vantage Point, Jalan Lenggong, Symphony Park
Jelutong
11600

Telephone

+6043056070

Website

Alerts

Be the first to know and let us send you an email when YEK Mortgage Solutions posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to YEK Mortgage Solutions:

Shortcuts

Share

Category