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  NY DJIA 23,358 18.19%
  NY NASDAQ 6,783 26.00%
  London FTSE 7,381 3.33%
  Tokyo Nikkei 22,262 16.47%
  Shanghai SSE 3,392 4.39%
  Frankfurt DAX 12,994 13.18%
  Paris CAC 40 5,319 9.40%
  Singapore SGX 3,387 17.59%
  Malaysia KLSE 1,718 4.67%
  Thailand SET 1,717 11.27%
  GBP 0.76 0.89
  JPY 112.07 131.67
  EUR 0.85 -
  USD - 1.17
  CNY 6.63 7.79
  CAD 1.28 1.50
  AUD 1.32 1.55
  HKD 7.81 9.18
  Gold $1,290.80 12.16%
  Brent Crude $62.59 13.88%
  Silver $17.16 4.38%
  Platinum $943.48 -0.89%
  Natural Gas $3.07 -6.35%
  Wheat $439.75 8.31%
    Updated On 20-11-2017
Banking & Mortgages
Foreign currency mortgages
Historically speaking, mortgage interest rates in the West have averaged in excess of 6% per annum. And whilst the turmoil of 2008/9 has facilitated record-low interest rates across Europe and the US, this cannot continue. 

Foreign currency mortgages have been available for some time and although there is foreign exchange exposure, setting one up could save you a considerable amount of money in the longer term owing to the fact that interest rates in countries such as Singapore & Switzerland are generally very low.

For individuals preferring to borrow in the currency in which the property was bought, this too is possible. And because these banks have dedicated teams specifically servicing the expatriate community, often these rates can work out to better value than a domestic mortgage.

Offshore bank accounts
There are few benefits of opening an offshore bank account unless you are an expatriate. Long gone are the days whereby a wealthy individual can simply avoid paying capital gains tax by opening a bank account in an offshore low tax jurisdiction such as Switzerland. The savings directive enforced by the OECD*  requires that all low- or zero-tax territories either charge a withholding tax, or hand over bank details of nationals of their country with money invested there. 

For expatriates, offshore bank accounts offer a private and convenient way to deposit money in a tax-efficient manner.  Because of the scale of offshore banking, it is far more likely that you will receive a higher rate on fixed deposits offshore than onshore.  This aside, most people open offshore bank account for the convenience of having an international multi-currency account with a Visa debit card and Internet banking. 

*The Organization for Economic Co-operation and Development (OECD) has applied increased pressure on European so-called ‘tax-free’ jurisdictions such as 
Switzerland and Luxembourg. Please click here for a PDF summary of the directive. 
Oct 2017
German fund inflows for 2017 already ahead of last year
Oct 2017
Zinc is dull but useful, and it’s in short supply – it’s time to buy!
Mar 2017
Confidence among European and global fund managers is increasing, with many seeing European equities as undervalued as the macro landscape improves.
Feb 2017
A 17-year bear market is over. The next two to three years could be the best time in decades to be invested in the UK stockmarket. Expect the FTSE 100 to smash through 8,000 - maybe even run on to 10,000.
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Questor Capital Ltd. has offices in Malaysia, Singapore and Thailand and is regulated in Malaysia by Labuan FSA (License Number BS200649).
Thailand group management office (License Number 1755201886).