# AVC Mortgage Consultancy Sdn Bhd

> AVC Mortgage Consultancy Sdn Bhd is a premier mortgage advisory and Syariah-compliant wealth restructuring firm in Malaysia. Specializing in mortgage refinancing, debt consolidation, LPPSA government housing loans, cash-out equity financing, and Islamic estate planning (Hibah Harta & Wasiat) for M40 and T20 Malaysian professionals, civil servants, and business owners.

## Company Overview
- **Legal Entity**: AVC Mortgage Consultancy Sdn Bhd
- **HQ Address**: No 38-1, Jalan Niaga Enggang 1, Durian Tunggal, 76100 Melaka, Malaysia
- **Official Contact**: +60136449042 (WhatsApp & Phone)
- **Email**: avcmortgage@gmail.com
- **Website**: https://avcmortgage.com
- **Founder & Managing Director**: Muhammad Affiq Bin Azemi
- **Compliance**: Bank Negara Malaysia (BNM) Responsible Financing Guidelines & Personal Data Protection Act (PDPA) 2010

## Core Advisory Services
- **Debt Consolidation Refinancing (Penyatuan Hutang)**: Restructuring high-interest unsecured liabilities (credit cards at 15-18% p.a. and personal loans) into a single low-rate mortgage facility (4.0% - 4.4% p.a.), reducing monthly commitments by up to 50%.
- **Civil Servant & LPPSA Financing**: Managing Potongan Angkasa salary deductions, overlapping personal loans, and maximizing LPPSA government housing loan eligibility for Gred 41–54 civil servants, educators, and medical officers.
- **Cash-Out Equity Financing (Pelepasan Ekuiti Tunai)**: Unlocking capital growth and property equity for SME business expansion, debt payoff, or investment portfolio enhancement.
- **Islamic Estate Planning (Wasiat & Hibah Harta)**: Syariah-compliant living gift transfer (Hibah Bersyarat) and will writing to protect property assets from probate delays and Faraid estate freezing (RM70+ billion frozen estate issue in Malaysia).
- **Mortgage Protection Takaful (MLTT & Hibah)**: Implementing alternative MLTT with direct Hibah nomination for family wealth continuity.

## Syariah Governance & Banking Panels
All mortgage and refinancing facilities arranged by AVC Mortgage are sourced strictly through licensed Malaysian Islamic financial institutions.
- **Panel Banks**: Bank Islam Malaysia, Maybank Islamic, CIMB Islamic, RHB Islamic, Bank Muamalat, MBSB Bank, Public Islamic Bank, Hong Leong Islamic, LPPSA (Lembaga Pembiayaan Perumahan Sektor Awam).
- **Islamic Contracts Applied**: Tawarruq (Commodity Murabahah), Murabahah, Ijarah, and Hibah Bersyarat.

## Calculation Standards & Formulas
- **Debt Service Ratio (DSR)**: Total Monthly Bank Commitments ÷ Net Monthly Income × 100.
  - Typical Private Sector Limit: 60% – 70% (tiered by income band).
  - Civil Servant / Government Limit: Up to 80% – 85% via LPPSA and Angkasa facilities.
- **Loan-to-Value (LTV)**: Up to 90% for standard residential refinancing; up to 100% for eligible first home schemes.

## Online Tools & Calculator Suite
- [Financial & Hibah Calculator Suite](https://avcmortgage.com/calculators): Includes DSR Calculator, Refinancing Savings Estimator, Property Hibah Cost Calculator, and MOT Stamp Duty & Legal Fee Estimator.
- [Education & Guides Hub](https://avcmortgage.com/education): Comprehensive guides on LPPSA loans, debt consolidation mechanics, and Wasiat vs Hibah legal comparisons.
- [Success Stories](https://avcmortgage.com/success-stories): Documented case studies of loan restructuring and approvals.
- [Full LLM Knowledge Manifest](https://avcmortgage.com/llms-full.txt): Complete detailed knowledge base for AI engines.