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QAI Saver Program for Your Home Loan and Save Thousands


With 20+ years of expertise, Quantify AI uses advanced AI to compare offers from multiple banks and find you the best QAI Saver Program deal. Zero upfront fees, 100% transparent.

RM 2B+Loans through QAI Saver Program

20+ YearsIn Business

100%Free Review

QAI Saver Program Calculator

Calculate your potential savings

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How We Help You Save

Our advanced AI technology compares multiple bank offers to find you the best QAI Saver Program deal

1
Enter Your Details

Use our calculator to see potential savings. Share your current loan info and QAI Saver Program goals.

2
Submit Documents

Provide outstanding balance, interest rate, remaining tenure, proof of income and credit report.

3
AI Analysis

Our AI compares multiple bank offers and generates a detailed savings report tailored to your goals.

4
Choose & Apply

Select the best offer that matches your goal and submit application with our agent's guidance.

5
Legal & Valuation

Bank valuation and lawyers handle all paperwork. You review costs and sign documents.

6
Disbursement

Your existing loan is paid off. Start new payments under better terms and enjoy savings.

7
Monitor & Optimize

Review your loan periodically with us. Make extra payments or consider refinancing again if beneficial.

Why Choose Quantify AI?

We focus on saving you money with transparent, AI-driven solutions and 20+ years of expertise in the Malaysian Market.

Zero Upfront Fees

No hidden charges. We earn via bank commission only. Your review is 100% free.

AI Powered Comparison

Our advanced technology compares multiple bank offers to find you the absolute best deal.

100% Transparents

Complete breakdown of all costs and savings. No surprises, no hidden fees.

20+ Years Expertise

Trusted by thousands of Malaysians across Klang Valley, Penang, and Johor Bahru.

Fast & Efficient

Streamlined process with dedicated agents to guide you every step of the way.

Real Client Success Stories

See actual before and after loan offers that prove the savings we've helped our clients achieve.

Case Study #1

Petaling Jaya, Selangor

Previous Loan

Balance: RM 650,000
Rate: 4.85%
Monthly: RM 3,437

New Loan

Balance: RM 650,000
Rate: 3.60%
Monthly: RM 2,956

Monthly Savings

RM 481/month

RM 173,160 over 30 years


Case Study #2

George Town, Penang

Previous Loan

Balance: RM 480,000
Rate: 5.20%
Monthly: RM 2,642

New Loan

Balance: RM 480,000
Rate: 3.75%
Monthly: RM 2,221

Monthly Savings

RM 421/month

RM 151,560 over 30 years


Case Study #3

Johor Bahru, Johor

Previous Loan

Balance: RM 820,000
Rate: 4.95%
Monthly: RM 4,368

New Loan

Balance: RM 820,000
Rate: 3.55%
Monthly: RM 3,691

Monthly Savings

RM 677/month

RM 243,720 over 30 years


Insights & Guides



QAI Saver Program Blog

Expert insights, market analysis, and practical guides to help you make informed decisions about your home loan QAI Saver Program journey.

Loan Types Stamp Duty Exemptions for First-Time Homebuyers
Stamp Duty Exemptions for First-Time Homebuyers

Learn about stamp duty exemptions and incentives available for the first-time homebuyers in Malaysia under various government programs.

Read More

October 30, 2025

Market Analysis How to Improve Your CCRIS Score Before Refinancing
How to Improve Your CCRIS Score Before Refinancing

Practical tips to improve your credit score and increase your chances of getting approved for better refinancing rates in Malaysia.

Read More

October 29, 2025

Documentation Understanding Fixed vs Variable Rate Home Loans
Understanding Fixed vs Variable Rate Home Loans

Compare the pros and cons of fixed and variable rate home loans in Malaysia. Which one is right for your financial situation?

Read More

October 23, 2025

Frequently Asked Questions

What is home loan refinancing?

Home loan refinancing means replacing your current housing loan with a new one that offers better terms. It can help you lower your monthly instalments, shorten your loan tenure, or unlock additional funds based on your property’s value.

Do you charge any upfront fees?

We do not charge any upfront fees. Our service is completely free, and you can decide whether to proceed after reviewing your potential savings. Any standard costs such as valuation, legal, or stamp duty are handled by the bank’s appointed professionals, not by us.

How much can I save by refinancing my home loan?

The amount you can save depends on your current loan rate, balance, and remaining tenure. Most homeowners find that refinancing helps them reduce overall interest and complete their loan repayment years earlier.

What Would You Like To Calculate?

Choose your scenario to get a guided calculation of all associated costs

Property Purchase

Buying a property with a new loan

You'll calculate:

  • Legal Fees (SPA & Loan)
  • Stamp Duty (Property & Loan)
  • Monthly Mortgage Payment
Loan Refinancing

Switching to a better interest rate

You'll calculate:

  • Monthly Savings
  • Legal Fees (Loan Agreement)
  • Stamp Duty (Loan)
New Loan Only

Taking a new loan on existing property

You'll calculate:

  • Monthly Mortgage Payment
  • Legal Fees (Loan Agreement)
  • Stamp Duty (Loan)

Why Use Our Guided Calculator?

Complete Picture: Ensure your calculate all necessary costs for your scenario - no surprises later.

Running Total: See your total costs accumulate as you each calculation.

Accurate Fees: Based on Malaysian legal scales and govermment rates.

Expert Review: Share your summary with our team for personalized advice.