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Malaysia Home Loan Calculator is designed for Malaysia home buyer or foreign property investor based on latest rules and regulations in Malaysia. It is the first all-in-one offline home loan calculator for Malaysia, which includes loan repayment calculation, amortization schedule by year and month, legal fee calculation, Sales and Purchase agreement and loan agreement stamp duty calculation, EPF withdrawal calculator. It also provides latest property news for reference.


  • Home loan calculator:
    • Calculate monthly repayment, total payment and total interest paid based on loan amount, interest and length of mortgage
    • Detail amortization schedule in monthly and yearly basis are provided as well, which shows the principal paid, interest paid and balance for each month
  • Legal fee calculator:
    • Calculate S&P agreement and loan agreement legal fee based on property price
    • Calculate S&P stamp duty based on property price
    • Calculate loan stamp duty based on property price
    • Calculate the total legal fee and stamp duty required based on property price
  • EPF withdrawal calculator:
    • Calculate eligible fund can be withdraw based on property price, loan amount and balance in account
  • News:
    • Show latest property news in Malaysia, powered by
  • Other:
    • Fully offline for all calculators, no Internet connection is required

Click here to download Malaysia Home Loan Calculator for free.

The following are the screenshot for the Malaysia Home Loan Calculator for iOS

My Home Loan Calculator -  Loan Amount 1

Enter your loan detail at the start up page to calculate the repayment as well as interest

My Home Loan Calculator -  Loan Amount 2

The loan detail for your property will display including the total payment, total interest paid, monthly repayment

My Home Loan Calculator -  Loan Amount 3

The apps also provide you the schedule of payment as well as interest and balance for your loan from time to time

My Home Loan Calculator -  EPF

EPF withdrawal limit calculator

My Home Loan Calculator -  Legel Fees

Legal fees and also the stamp duty calculation

My Home Loan Calculator -  News

News which loaded from website



Google has bought Waze, the Israel mapping and navigation app that Facebook was also reportedly vying for, according to a post on the Google official blog as well as Waze official page.

Waze join Google

Waze announce the joining to Google in their official blog

The deal, which didn’t have a price tag unveiled with it, follows months of speculation about who would land the startup. Reports in recent days said Google was close to a $1.3 billion deal.

The acquisition could help Google improve its own mapping services and put a bigger moat around them against the likes of Facebook and Apple. According to Google Blog, the Waze product development team will remain in Israel and operate separately for now and they are working hard on the marriage of Waze with existing Google map on traffic update as well as Google powerful search function.

In its post about the takeover, Google said it planned to enhancing Google Maps with some of the traffic update features provided by Waze and enhancing Waze with its own search capabilities. The Waze product development team will remain in Israel and operate separately for now.

Waze leverages a growing community of drivers to find the best routes through traffic. It said joining Google ranks, rather than taking the route of an initial public offering, will keep attention from shifting away from its community of drivers to lawyers and Wall Street.

The new Microsoft Window 8 which changed a lot from the previous version Window 7, it make the operating system more smart, easy to use as well as cutting down some step. One of the example of the cutting step is the confirmation before deleting any file from your window when you press the delete button. It will directly send your file to recycle bin without any confirmation or extra action require.

This maybe a good for those observant people, but not me. In this post, I will show how to enabled back the so call “extra step” for deleting any file in your Window 8.


1. Right-click on Recycle Bin and select Properties


2. In Recycle Bin Properties dialogue, enable Display delete confirmation dialogue option and click OK to apply the change.


3. Now when you delete a file or folder, it will ask you to confirm the action before sending the item to Recycle Bin.


Back in the beginning of the year, we reported a rumor that Apple was looking ahead of acquiring Waze.

The rumor about the Israeli developed app’s fate still hangs in limbo, but this time, it might just happen to be Google – and not Apple or Facebook – who’s going to close the deal. According to Engadget, two papers in Israel are saying the search engine giant is getting closer towards closing in on the deal and for a potential sale price of US$1.3 billion (~RM4 billion), with the company’s development team remaining in Israel after the sale.

Where they will work from is cited from Globe, one of the Israeli newspaper publications who reported the rumor, as one of the chief reasons as to why the deal not just with Apple, but Facebook have fallen through.

For those unfamiliar with Waze, the app generates mapping data in real-time based on its nearly 50 million users and reports of accidents or traffic jams.


Microsoft Surface Pro Windows 8 Pro tablet is now available in Malaysia for RM2749 (64GB) and RM3049 (128) at participating retail outlets from 7 June 2013 onwards.

Microsoft Surface RT was launched in Malaysia in April 2013. It has pre-installed MS Office Home and Student 2013 RT but only support Windows 8 apps. You cannot install Windows 7 desktop software onto it. On the other hand, Surface Pro runs full version Windows 8 Pro which support all Windows 8 apps as well as Windows desktop software.

“The Surface Pro will be especially appealing to corporations and businesses who are looking for a lightweight, durable, powerful device that is specifically designed with additional enterprise-grade security features, as well as optimized to work with in-house applications they may already have.”, said Carlos Lacerda, Managing Director of Microsoft Malaysia.

Surface Pro specs

Surface Pro is a 10.6-inch Full HD touchscreen display (1920×1080 pixels) tablet computer powered by Intel Core i5 processor and 4GB RAM, running Microsoft Windows 8 Pro operating system. Two 720p cameras (front- and rear-facing).

Surface Pro support WiFi (802.11a/b/g/n), Bluetooth 4.0 wireless connectivity, as well as full size USB 3.0 port, microSDXC card slot, headset jack, Mini DisplayPort. Weight 2 lbs (907 gram).

A Surface Pen is included allows you to do draw and take notes with your handwriting on the Surface Pro.

Surface Pro Spec

Surface Pro price

Surface Pro is available in 64GB and 128GB, the retail prices is RM2749 and RM3049 respectively. Keyboard cover is not included. You can buy touch cover (black, white, cryan, red, magenta) at RM379. Black type cover is RM409.

Where to buy Surface Pro in Malaysia?

Microsoft Surface series can be purchased nationwide from: Challenger Malaysia, Harvey Norman, Thunder Match Technology, SNS Network.


Click here for more information about Microsoft Surface Pro in Malaysia

Interbank transfer (IBG) fees had been reducing from RM 2 to RM 0.10 since May 2013. This is a effort by our Malaysia Government to push the online banking service to more people. This is my first time that using the service with the RM 0.10 transaction fees.


CIMB Fund transfer

Even though the transaction fees already reduce from RM 2 to RM 0.10, but the bank still have another way to make money from the interbank transfer transaction fees, where they provide 2 difference choices for their client, the first selection is RM 0.10 with 1-2 days of waiting period, another selection is instant transaction with RM 2 per transfer.



CIMB Transfer Charges

Debiting Account Type
Transfer Charges
IBG Instant Transfer
All Savings & Current Accounts RM0.10 RM2.00
Schedule Transactions for all Savings & Current Accounts RM4.00

Transfer Schedule

Transfer Day Transfer Time Funds Available at Beneficiary Bank
IBG Instant Transfer
Monday – Friday Before
12:00 noon
Same day Immediate
12:00 noon
Next business day Immediate
Saturday, Sunday, Federal Territory Public Holiday Anytime Next business day Immediate


It is good that we can plan our thing early, including fund transfer, if the time is not the critic, than 2 days transfer which save you RM 1.90 is always the best choice.

Maybank2u Pay

By on June 2, 2013


Maybank2u Pay is a new payment facility that designed purposely for small and home businesses conducting transactions online. With the Maybank2u Pay, the shopper no need to enter the lengthy account numbers when transfer the money to the seller. It allow seller to easy reconciliation of sales transaction as well as it’s more systematic and convenient.

Why use Maybank2u Pay?

Running an online business isn’t just about making sales. It involves sourcing for new products, constantly updating your blog, taking great photos for visual guide and many more back-end tasks. Going through receipts and proof of purchase can be time consuming and confusing, if there are a lot of transactions going on at once.

Chances are, mistakes are inevitable and sometimes, it can affect your online business. With this new payment facility, you can enjoy all the benefits below:

  • Easy reconciliation of sales transactions as there is a differentiation between normal funds transfers & Maybank2u Pay
  • Email notification on every transaction
  • View your sales transaction history for the past 60 days via Maybank2u
  • Detailed sales transactions under Maybank2u Pay History:
    • transaction date & time
    • transaction details & status
    • buyer’s name & email
    • amount transferred

How does Maybank2u Pay benefit your online shoppers?

As a shopper, the overall online shopping experience determines whether a return visit is worth it, or not. Often, shoppers get turned off by lengthy payment processes, so getting Maybank2u Pay can really turn things for the better. With this new payment facility:

  • Payment method is simplified through Maybank2u and payment can be made directly to the seller’s account via a simple button.
  • There’s no need to remember the seller’s account number, so the payment process is simplified.
  • No need for proof of payment (i.e. scan / copy of payment receipt) to the seller.

Here’s how to register for Maybank2u Pay

  1. Login to Maybank2u
  2. Click on Maybank2u Pay from the Maybank2u main menu
  3. Click on ‘Apply for Maybank2u Pay’ to register for Maybank2u Pay
  4. Read and accept the Terms and Conditions. Click ‘Continue’ to proceed to the Registration screen
  5. Provide business details including Business Name, Business Email, Account Number, Business Phone Number, Business Address, Business URL and Business Category. Click ‘Continue’.
  6. Click ‘Request a TAC’ and enter the TAC.
  7. Click ‘Confirm’ if all the details entered are correct or click on ‘Go Back’ to edit the details
  8. Customer will receive a confirmation that the application has been accepted and customers will be notified via email within 1 working day on the application status

Things You Should Do As A Seller

E-Commerce owners using the Maybank2u Pay facility are encouraged to post a write up on Maybank2u Pay in their respective E-Commerce shop. This is to notify buyers that the E-Commerce shop is using Maybank2u Pay and at the same time, educate buyers on the do’s and don’ts when using Maybank2u Pay. E-Commerce owners can refer to the guide below for your write up on Maybank2u Pay:
How to use.

  • Click on the Maybank2u Pay icon on the blogshop and login to Maybank2u.
  • Seller’s name will be automatically displayed. Shopper is to select the type of account and enter your email address, amount and description of transaction. The shopper must read and accept the Disclaimer before proceeding to the next screen.
  • Click ‘Continue’.
  • Click ‘Request a TAC Number’. TAC number will be sent to shopper’s mobile phone. Enter the TAC Number and click ‘Confirm’ to proceed with payment or click ‘Go back’ to go to the previous screen.
  • Shopper can print screen and save the payment confirmation for record and future reference.
  • Shopper will receive an email as a confirmation of the completed transaction.
  • Sellers are advised to place the Maybank2u Pay icon on the main page of their E-Commerce website so that it is visible to the buyers.
  • Sellers are also advised to post a write up on Maybank2u Pay in their E-Commerce website to notify buyers that the E-Commerce website are using Maybank2u Pay. You can refer to the Maybank2u Pay Guide, for your write up on Maybank2u Pay

Although the Maybank2u Pay is consider a new Payment Facilities in Malaysia if compare to the 3th part payment gateway such as iPay88 or MOLPay, because of the free charges + there is no any integration needed in order to start accept payment, I believe very soon it will gain the trust from the SME E-Commerce owner to apply. You may check their existing Blog Shop List at Maybank2u Website.


Maybank2u Pay Ad on TV


If you are using PayPal, I believe you should receive an e-mail from Paypal saying that they will terminate personal payment service in Malaysia starting 4th June 2013.

This is not a good new for those who are using PayPal to transfer personal funds to your friends and relatives inside or outside Malaysia, but I wonder how many people did this. However, the good new is, you still can receive personal payment from outside Malaysia.

PayPal stated that they decided to terminate personal payments in Malaysia as part of their business strategy to focus on commercial transactions, but I believe the reason is to stop people from selling PayPal funds.

For more information kindly read FAQs from PayPal regarding this matter below.


Update on Personal Payments Service

Dear Customers,

As PayPal focuses on our business strategy of enabling secure and convenient commercial transactions in Malaysia, we regret to inform you that the Personal Payments service will no longer be available in Malaysia from 4 June 2013. We sincerely apologise for the inconvenience caused.

PayPal’s mission is to connect merchants of all sizes to millions of consumers around the world, creating more economic opportunities for individuals, businesses and communities. As such, we would like to assure you that you will still be able to use PayPal for commercial activities. For example, you can still shop and pay with any local or overseas PayPal merchant and receive payments for sale of goods and services from any local or overseas buyer with a PayPal account.

We have created this webpage to address concerns and questions you may have. You can also contact our customer support team by logging into your PayPal account and clicking on ‘contact us’ at the bottom of the page.

The success of PayPal depends on the success of the community. We thank you for your ongoing support in enabling more secure commerce anytime, anywhere and any way.


The PayPal Team


Why is the Personal Payments service being discontinued?

As PayPal focuses on our business strategy of enabling secure and convenient commercial transactions in Malaysia, the Personal Payments service will no longer be available to users in Malaysia from 4thJune 2013.

PayPal’s mission is to connect merchants of all sizes to millions of consumers around the world, creating more economic opportunities for individuals, businesses and communities.

What was the Personal Payments service used for?

The Personal Payments service was offered to our users in Malaysia to facilitate payment of rental charges, shared expenses, or payments owed.

Will I be able to send personal payments to other PayPal users living outside of Malaysia?

No, unfortunately you will no longer be able to make personal payments to users both in Malaysia and overseas.

Will I still be able to receive personal payments from other PayPal users outside of Malaysia?

You can still receive funds sent from other PayPal users outside of Malaysia, consistent with the availability of this PayPal service in the country where the user is located.

I have a Personal account. Does the removal of the Personal Payments service mean I will not be able to send payments for items I want to purchase?

Regardless of whether you have a Personal, Premier or Business account, you will continue to be able to shop online and use the PayPal services for the commercial payment of goods and services. Only the Personal Payments service has been discontinued.

Will it be possible for me to send payments to a merchant for a purchase of goods and service?

Yes, you can make payments to merchants in Malaysia as well as in other countries for the purchase of goods or services.

I’m a merchant. Will it be possible for me to receive payments from international buyers?

Yes. Merchants can still receive commercial payments for the sale of goods and services from both international and Malaysian buyers.

Because of the nature of my business, I don’t have an online website. Will it be possible to receive payments from customers using PayPal for the sale of goods and services provided by me?

Yes, if you are collecting payments in exchange for goods or services, your customers will still be able to make payments for your services through PayPal.

Viber for Desktop

Viber, one of the free mobile messaging in Mobile platform had release their latest version 3.0 for Andriod as well as iOS mobile user, come together with the release, they also announce the newly launched Viber Desktop application for PC and Mac Users.

In a media release, the company said that Viber Desktop and the latest versions of the Viber app were designed from the ground up for individuals using Viber on multiple devices, so they can always use the app that’s right for them, whether at home, in school, at the office, or on the go.

Key highlights of the new mobile app versions include:

  • Video messages
  • New stickers
  • Last online status
  • Enhanced photo experience
  • Performance improvements
  • New voice engine
  • Android version security fix
  • Support for eight new languages and 20 languages overall. Supported languages include: Arabic, Catalan, Chinese (Simplified), Chinese (Traditional), Dutch, French, German, Hebrew, Indonesian, Italian, Japanese, Korean, Malay, Portuguese, Portuguese (Brazil), Russian, Spanish, Swedish, Thai, Turkish, and Vietnamese.

Some of the key combined features(Viber Desktop and Mobile apps) include:

  • Seamlessly transfer calls between Viber Desktop and the Viber app with one click or tap
  • Received and Sent messages are shown on all devices, but will only “beep” on the device you are currently using
  • Messages and conversations you delete from one device will be removed from all devices
  • On top of this, Viber Desktop is Viber’s first application to offer video calls. With this new beta feature, users can now make desktop-to-desktop video calls to other Viber users.

Check out the new Viber Desktop for PC & Mac introduction video below:


Viber offers free calls and messages between its users via Internet connection. The app is free to use and can be downloaded from

The company also announced that it now has over 200 million users across the various platforms that it supports including Android, iOS, Windows Phone, BlackBerry and others.

Property Plus Home Page

Property on sales now

PropertyPlus newest property purchase portal in Malaysia which leveraged the power of group/bulk purchases to get the lower price possible for the property.

PropertyPlus is a portal that their management team comprises experienced individuals in real estate and finance background. Where the major advantage about PropertyPlus is that they gather the power of a group of potential buyer and buying in a bulk.

The aggregation of buyers motivates Developers to offer discounts in view of the bulk sales. PropertyPlus is a win-win proposition because while consumers buy at lower prices, Developers are able to sell their inventory on a bulk basis.

PropertyPlus also provides buyers detailed information of all project listing with total transparency, no mark-up pricing. They also assists buyers in the entire sales process, such as bank loan, documentation, SPA, etc.

Best of all, PropertyPlus is free of charge! No member sign up, no entrance fee, no annual membership fees. It is free! PropertyPlus is NOT a property investment club, therefore they don’t charge any membership fee.

Why should Consumers buy through PropertyPlus?

Bulk Discounts

• PropertyPlus follows the group buying concept and enables like-minded individuals to purchase similar kind of properties. When many people buy together, they allow the developer to sell in large volume at a lower price.

• Hence, we are able to help our buyers secure better pricing when they buy through PropertyPlus than if they were to approach the developer directly. Even in the worst case scenario whereby we manage to sell only 1 unit, the price will be the same as given out by the developer. In conclusion, you have nothing to lose and all to gain!

Transparent Deal

PropertyPlus emphasizes transparency in all the deals we offer. All project information listed on the website is what buyers will get. There is also no mark-up pricing

Full Service Support

PropertyPlus provides buyers detailed information of all project listings. Besides that, we also assist our buyers in the entire sales process i.e. securing bank loan, documentation work, signing SPA, etc. We make the entire sales process as seamless  as possible for our customers

FREE, We Do Not Charge Our Buyers Anything

Investors are not required to sign up as members and do not need to pay any entrance or annual membership fees. Our service is completed FREE of charge!


Visit Property Plus Website for more detail.