Frequently Asked Questions (FAQ)
Will & Estate Planning
A Will is a legal document that states how your assets will be distributed after your passing. It also allows you to appoint an executor to carry out your wishes.
Without a Will, your estate will be distributed according to Malaysia’s Distribution Act 1958 (for non-Muslims), which may not reflect your actual intentions. A Will gives you control over who receives what.
If you pass away without a Will (intestate), your assets will be distributed based on legal formulas. This may cause delays, disputes, and complications for your family.
Any Malaysian aged 18 and above, who is of sound mind, can legally write a Will (for non-Muslims).
A Will generally covers personal assets such as property, bank accounts, investments, and personal belongings. However, nominated assets (e.g., EPF, insurance with nomination) may be distributed separately.
An Executor is the person you appoint to administer your estate, pay debts, and distribute assets according to your Will.
Yes, you may appoint more than one Executor to ensure continuity and shared responsibility.
Yes. A Will can be updated or replaced anytime as long as you are mentally sound. Major life changes (marriage, divorce, new assets, new children) should prompt a review.
In Malaysia, a handwritten Will can be valid if it meets legal requirements, including proper signing and witnessing. However, professional drafting is recommended to avoid disputes.
A valid Will must be signed in the presence of at least two witnesses who are not beneficiaries.
A Grant of Probate is a court order that confirms the Executor’s authority to manage and distribute the estate according to the Will.
The timeline varies depending on asset complexity and documentation. With a proper Will, the process is generally smoother and faster compared to intestate cases.
For non-Muslims in Malaysia, marriage will revoke a previous Will unless it was made in contemplation of marriage.
Yes. A Will allows you to appoint legal guardians for minor children, ensuring their care is handled by someone you trust.
It is advisable to review your Will every 3–5 years, or whenever there are significant changes in your life or financial situation.
Home Loan & Refinance
Contact Adrian Tan for a free preliminary assessment. We will review your income, financial commitments and credit profile before matching your application with suitable banks.
Salaried applicants normally need their IC, latest salary slips, bank statements, EPF statement and income tax documents. Self-employed applicants may need company documents, business bank statements and financial records.
The amount depends on your income, monthly commitments, CCRIS/CTOS record, age, property type and the bank’s Debt Service Ratio (DSR) calculation.
Yes. Business owners, commission earners and self-employed applicants may apply. Proper income documentation and selection of a suitable bank are especially important.
Yes. We will first review the rejection reason, your CCRIS/CTOS record, income documents and existing commitments before recommending the next step. Avoid submitting to multiple banks without understanding the problem.
Refinancing means replacing your existing property loan with a new loan structure. It may help you obtain better terms, reduce monthly commitments or release additional cash from the property.
You may consider refinancing if your current interest rate or monthly instalment is high, you need additional cash flow, or you want to consolidate several financial commitments into a more manageable structure.
Certain loan structures may allow eligible customers to extend the repayment period beyond 10 years, subject to the bank’s policy, the applicant’s age, financial profile and property valuation.
Depending on the bank and the applicant’s profile, refinancing may be used to consolidate commitments such as credit cards, personal loans or other eligible debts into a more manageable repayment structure.
Refinancing may involve valuation fees, legal fees, stamp duty and possible early-settlement charges. We will compare the estimated costs against the potential savings before recommending whether refinancing is worthwhile.
SME Loan
Registered businesses such as Sole Proprietorships, Partnerships and Sdn. Bhd. companies may apply. Eligibility depends on the business profile, financial performance and bank requirements.
Yes. Certain banks and financing programs may consider companies operating for one to two years. Approval depends on turnover, bank statements, contracts, directors’ experience and overall financial profile.
SME financing may be used for Working Capital, business expansion, equipment purchases, renovation, stock purchases, project expenses or refinancing existing business facilities.
Available facilities may include Term Loans, Overdrafts, Trade Facilities, Equipment Financing and government-supported guarantee schemes.
Documents normally include company registration documents, recent business bank statements, financial statements or management accounts, income tax documents and directors’ personal information.
The financing amount depends on the company’s turnover, cash flow, profitability, existing commitments, business nature and the directors’ credit profiles.
Yes. Banks may assess both the company’s financial condition and the directors’ personal credit profiles. Existing late payments or high commitments may affect the application.
Processing may take from several working days to a few weeks, depending on the financing type, amount, document completeness and bank assessment.
