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MRTA VS MLTA
http://azizcfp.com/forum/viewtopic.php?f=6&t=34324
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Author:  jet [ 03 Oct 2011, 15:45 ]
Post subject:  MRTA VS MLTA

Salam,

MRTA : Mortgage Reducing Term Assurance
MLTA : Mortgage Level Term Assurance

1. MLTA = flexi insurance, MRTA = term insurance
2. PROTECTION :
MLTA = protection, savings and/ or guarantee returns (cash value),
MRTA = reducing protection
3. PAYMENT :
MLTA = periodic. Can be paid on monthly, quarterly, half yearly / yearly basis / lump sum finance into housing loan (new)
MRTA = lump sum payment by cash / finance into housing loan
4. MLTA = tax relief up to RM6000 every year, MRTA = no tax relief
5. MLTA = cash return(asset) MRTA = no cash return (expense)
6. TRANSFERABILITY :
MLTA = transferrable & able to upgrade protection value
MRTA = non transferrable (lapse when tend to refinance/ new purchase)*when buying new property/ refinancing, MRTA premium will be higher because of age*
7. MLTA = death/tpd/critical illness + premium waiver,
MRTA = death and tpd only
8. MLTA = level premium, MRTA = higher premium if financed by bank as it is tied to BLR
9. Nomination :
MLTA = Beneficiary can be anyone
MRTA = Beneficiary is bank


Melihat disini, nampak gaya MLTA lebih menguntungkan. Mintak en Aziz atau rakan2 lain komen, sbb tak silap syarat beli rumah (AJIT) memerlukan MRTA 5 tahun.
Malah saya ada terbaca kes dimana MRTA tak cover kematian akibat penyakit (macam kat point 7 di atas)

Author:  farids [ 09 Oct 2011, 20:06 ]
Post subject:  Re: MRTA VS MLTA

salam,

aku rasa tak kisah mana-mana pun,sbb fungsi asas dia sama je,klu mlta tu offer lebih baik kiter ambik jer as long as boleh 5tahun jer!

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