{"id":106,"date":"2025-04-30T16:40:27","date_gmt":"2025-04-30T08:40:27","guid":{"rendered":"https:\/\/dylangoh.com\/fisadvisor\/?page_id=106"},"modified":"2026-10-14T18:20:32","modified_gmt":"2026-10-14T10:20:32","slug":"faq","status":"publish","type":"page","link":"https:\/\/dylangoh.com\/fisadvisor\/faq\/","title":{"rendered":"FAQ"},"content":{"rendered":"\t\t
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FAQ<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Questions about your mortgage?<\/span><\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Clear answers to the questions Malaysian homeowners ask most about reducing home loan interest without refinancing.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t

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About the service<\/p>\n

What does FIS Advisory help Malaysian homeowners do?<\/summary>

FIS Advisory helps you understand how your existing home loan behaves over time: how much of each instalment goes to interest versus principal, and how your repayment pattern affects total interest and tenure. FIS then designs a repayment strategy to reduce interest and shorten your tenure, without changing banks or refinancing.<\/p><\/div><\/details>\n

Can I reduce home loan interest without refinancing or changing banks?<\/summary>

Yes. FIS improves your repayment strategy rather than replacing your loan. By aligning your payments with how your bank calculates interest and your outstanding balance, many Malaysian homeowners reduce total interest and shorten their tenure while staying with the same lender.<\/p><\/div><\/details>\n

Is this the same as refinancing or restructuring?<\/summary>

No. Refinancing means taking a new loan, usually with legal, valuation and other fees. Restructuring changes your loan terms, is usually meant for borrowers in financial difficulty and needs bank approval. The FIS approach keeps your existing loan exactly as it is and works on how you repay it.<\/p><\/div><\/details>\n

Who is the service suitable for?<\/summary>

Homeowners and property investors with a Malaysian property loan who want to reduce total interest, shorten their tenure, use extra payments more effectively, or understand why their balance is not falling as expected. It also suits Singapore residents who have a loan on a Malaysian property.<\/p><\/div><\/details>\n

Does FIS handle my money?<\/summary>

No. You continue paying your bank directly from your own account. FIS designs and tracks your repayment plan; it never collects or holds your instalments.<\/p><\/div><\/details>\n

Savings and results<\/p>\n

How much can I save on interest and tenure?<\/summary>

It depends on your loan amount, interest rate, remaining tenure and how your instalments are currently applied. Across FIS-tracked cases, the average customer saved 48.8% of their mortgage interest and reduced their tenure by about 52%. For suitable cases the typical range is around 30% to 75%, but every case is reviewed individually before any specific figure is given.<\/p><\/div><\/details>\n

Why does my home loan still feel expensive when I pay every month?<\/summary>

In the early years of a Malaysian home loan, a large part of each instalment goes to interest and only a small part reduces the principal. That is why many borrowers pay faithfully but see the outstanding balance drop slowly.<\/p><\/div><\/details>\n

Is paying a lump sum always the best way to save interest?<\/summary>

Lump sums can shorten tenure and reduce interest, but most people cannot repeat them often, which limits the long-term effect. A more sustainable approach is to pay consistently, increase repayments gradually and know how much each extra ringgit saves you. Small, regular increases aligned with your bank's ledger benefit from compounding over time.<\/p><\/div><\/details>\n

Can I shorten my tenure without a big jump in my monthly repayment?<\/summary>

In many cases, yes. A carefully structured plan can keep the increase manageable by spreading extra payments over time or using occasional lump sums. The key is to simulate the impact on your specific loan instead of assuming that a shorter tenure means a much higher instalment.<\/p><\/div><\/details>\n

How do OPR and interest rate changes affect my home loan?<\/summary>

If your loan is floating-rate and pegged to your bank's base rate (SBR, BR or BLR), an OPR change usually moves your effective rate and instalment. If the rate rises but your instalment does not change enough, your tenure stretches. FIS plans are fine-tuned when OPR or bank rates change, so your savings stay on track.<\/p><\/div><\/details>\n

What happens if the savings on my loan are not meaningful?<\/summary>

If the analysis shows that the projected savings do not justify the cost or effort, the service will not be recommended. You are under no obligation and can simply continue with your current repayments.<\/p><\/div><\/details>\n

Getting started<\/p>\n

Do I need to sign up before my home loan is reviewed?<\/summary>

No. You can submit your loan details and documents for a free, no-obligation review first. Only after you see what the analysis says about your loan do you decide whether to proceed.<\/p><\/div><\/details>\n

What documents do I need?<\/summary>