The moment you receive your confirmation of service (Pengesahan Pelantikan) as a Gred UF9 pharmacist or secure your promotion to Gred UF10, well-meaning senior hospital colleagues and family members will almost certainly give you the exact same advice: “Cepat-cepat apply loan LPPSA. Beli rumah sekarang, rugi besar kalau tak guna kelebihan kakitangan awam!” On the …
Around age 28 to 32, most salaried retail pharmacists in Malaysia reach a common milestone: buying their first home. By this stage, your payslip looks impressive to mortgage bankers. On top of a basic salary of RM5,500, you’re likely drawing some combination of shift or on-call allowances, KPI-linked commissions, or other allowances. Add it up, …
Paying off a mortgage is a significant milestone for many homeowners, and the opportunity to make a lump sum payment towards your mortgage can be both exciting and daunting. Whether you have come into an inheritance, received a bonus, or saved diligently, deciding whether to put a large sum of money towards your mortgage is …
