13 February, 2022

Property Guides, Social & Lifestyle

Love is in the air — but do you really want to sign your heart over with a joint loan application this Valentine’s Day? 

 So you’re in love.  

You’ve made plans to spend the rest of your life together, bought matching outfits, and even went on countless holidays together. You’re now ready to take the next step — no, not getting married. Buying a house together! 

Before you jump the gun, take a step back and rationalise the idea. Love has a way of making everything look good and unproblematic. Reality isn’t always as lovely. Buying a home together means applying for a joint loan application — but is it really a good idea? Read the pros and cons below. 

What are the pros and cons of getting a joint loan application? 

Now that you’re familiar with the pros and cons of a joint loan application, it’s time to ask these questions:  

  • Are you both financially ready to commit as homeowners? Purchasing a home is a long financial commitment spanning 35 years. You won’t know what could happen in the future — you could lose your source of income or suffer from a chronic illness. If you and your partner are financially stable and at a point in your life where you feel ready to commit, then go forth.  
  • How will you split the costs for your future home? Money talk between couples is taboo and often uncomfortable. However, you will need to have this difficult conversation so that you both have a mutual understanding of how you should split the costs of your future home. Doing this from the start will minimise any future problems or disagreements.  
  • What is your exit strategy if you separate from each other? While unfortunate, it is common for couples to break up or divorce. Before this happens, discuss with each other your exit strategy for this loan: who keeps the house, how will you continue splitting the loan, etc. 

Want to continue spicing things up even after knowing all the implications of getting a joint loan application?  



It’s time to take your relationship to the next level and look for your forever home. Visit Lift Off with Mah Sing and see which property catches your heart! 


Register for blog updates.

m vertica cheras condominium

The Top 6 Best Condominiums in Kuala Lumpur (KL) to Invest in Now

August 11, 2023


Why Property Investment In Malaysia Is Still The Best Kind Of Investment Now

August 11, 2023

Businesswoman Holding Magnifying Glass Over House Model

A Complete Property Inspection Checklist For Your New Home

July 5, 2022


How To Use Step-Up Financing To Get Your Dream Home

August 10, 2022

Southville City by Mah Sing Group

Looking At Bangi For Sale Of Property? 3 Reasons Why It Deserves A Serious Consideration

June 18, 2020

Related Posts

3 Financial Advantages When You Buy A Ready-To-Move-In Property
5 November, 2019
Read More
Experience the Perfect Blend of Comfort and Style in this New Condo in Puchong
25 September, 2023
Read More
M Luna Affordable Luxury
M Luna: The Best Of Both Worlds
14 December, 2019
Read More

Tell us what your search is today


Admiral (R) Tan Sri Dato' Seri Abu Bakar Bin Abdul Jamal

Chairman/Independent Non-Executive Director




Admiral (R) Tan Sri Dato’ Seri Abu Bakar Bin Abdul Jamal was the 10th Chief and the first four-star Admiral of the Royal Malaysian Navy. Admiral (R) Tan Sri Abu Bakar served the Royal Malaysian Navy for almost 40 years both at the staff and command levels culminating in the highest office of The Chief of Navy from 1998 to 2002.

Admiral (R) Tan Sri Abu Bakar was the former Chairman of Affin Fund Management Berhad and also the former Chairman of several companies covering diverse industries post his retirement including naval and marine, property development, construction and automative. He was also a former Board member of Lembaga Tabung Angkatan Tentera (Armed Forces Fund Board).

In recognition of his services not only to Malaysia but also towards promoting international and regional understanding and peace, Admiral (R) Tan Sri Abu Bakar was bestowed the Panglima Setia Mahkota award carrying the title Tan Sri. In addition, he also received international recognition in the form of the following awards:

  1. Bintang Jalasena Utama by Indonesian President Abdul Rahman Wahid on 28 August 2000
  2. Legion of Merit by United States President Bill Clinton on 6 October 2000
  3. Knight Grand Cross of the Most Noble Order of the Kingdom of Thailand by His Majesty King Bhumibol Adulyadej R on 24 February BE2544 (Gregorian 2001)
  4. Legion d’ Honneur by President of France, Jacques Chirac on 17 June 2001

There is no family relationship between him and any director and/or major shareholder of the Company.