# RMS2U – Home Loan & Mortgage Advisory Malaysia

> Malaysia's premier loan advisory and consulting firm. We help individuals and families secure the best home loan, refinancing, and Islamic financing deals from all major Malaysian banks.

## About RMS2U

RMS2U (Reliable Mortgage Solutions) is a professional mortgage brokerage and loan advisory firm based in Malaysia. Founded on the principle of Building Trust and Delivering Solutions, we represent our clients — not the banks — to secure the most favourable loan terms available in the market.

We are authorised financial consultants working with all major Malaysian banks including Maybank, CIMB, RHB, Public Bank, AmBank, OCBC, Hong Leong Bank, and Bank Islam.

## Services

- **Home Loan Advisory**: First purchase, second property, new launch, subsale — we compare every bank for you.
- **Mortgage Refinancing**: Reduce your monthly repayment or unlock equity cashback. Secured rate reductions from 5.1% down to 3.60% p.a.
- **Islamic Home Financing**: Murabahah, Musharakah Mutanaqisah, IEFS Equity Home — expert structuring for Shariah-compliant financing.
- **100% Financing (No Down Payment)**: Available through selected banks for qualifying profiles.
- **Poor CCRIS / Loan Rejection Recovery**: Specialised in restructuring applications for clients with impaired credit history or prior rejections.
- **DSR Optimisation**: We help clients legally reduce their Debt Service Ratio to improve eligibility before applying.
- **Commercial Property Loans**: Shophouse, office, and industrial property financing.
- **General & Life Insurance**: MRTA, MLTT, and life coverage consultation alongside your loan.

## Key Statistics (as of 2025)

- Highest single loan approved: RM 5.8 million
- Lowest rate secured: 3.30% p.a. (SBR + 0.55%, based on SBR 2.75%)
- Cashback secured for one client: RM 150,000
- Fastest approval turnaround: 2 working days
- 100% financing available (no down payment)

## How It Works

1. **Free Consultation** – WhatsApp or call Janice to discuss your goal, income, and existing commitments. We run a DSR check immediately.
2. **Bank Matching & Application** – We select the 2–4 banks most likely to approve your profile and at the best rate, then prepare and submit your documents.
3. **Approval & Disbursement** – We liaise with the bank's credit team, resolve any queries, and guide you to signing and disbursement.

## Contact

- Consultant: Janice
- WhatsApp / Phone: +60163224768
- Instagram: @rms2u
- Facebook: rms2u
- Office Hours: Monday–Friday 9:00am–6:00pm, Saturday 10:00am–3:00pm
- Sunday / Public Holiday: By appointment

## Interest Rate Context (Malaysia, 2025)

- BNM Overnight Policy Rate (OPR): 3.00%
- Standardised Base Rate (SBR): 2.75%
- Typical home loan rates: SBR + 0.55% to SBR + 1.75% (3.30% – 4.50% p.a.)
- RMS2U best rate achieved: 3.30% p.a. (SBR + 0.55%)

## Tools

RMS2U provides a free, browser-based DSR Housing Loan Calculator at https://rms2u.com/#calculator with two tabs:
1. **Affordability Calculator** – Enter income, commitments, and age to compute maximum eligible loan, max installment, and DSR usage vs. bank cap.
2. **Monthly Repayment Calculator** – Enter property price, down payment %, interest rate, and tenure to compute monthly installment, total interest, and effective monthly rate.

The calculator supports dynamic income/commitment rows, Malaysian stamp duty and legal fee scales, and a shareable link via URL parameters.

## FAQ Highlights

- DSR (Debt Service Ratio): total monthly debt commitments / gross income × 100. Banks cap at 70–80%.
- Credit card minimum payment counted as max(5% × outstanding, RM 50) per Bank Negara guidelines.
- Rental income counted at 80% of gross rental for DSR purposes.
- Maximum tenure: 35 years or until age 70, whichever is earlier.
- Stamp duty on loan: 0.5% of loan amount. Stamp duty on MOT: tiered from 1% to 4%.

## Sitemap

- / — Home, About, Services, How It Works, Testimonials
- /#calculator — DSR Housing Loan Calculator
- /#contact — Contact Janice
- /#faq — Frequently Asked Questions
- /llms.txt — This file (LLM-readable site summary)