Hi all

For a person who not able to save up or come up with a downpayment (of at least 10% right) as bank only give Housing loan 90%

What other ways to be able to buy a house then???

Recently government launched those household below 3k income and buy first house no need downpayment can 100% bank loan, BUT subject to 220k house price n below...Lets face reality, its so tough to get house 220k n below unless outskirts area (maybe Rawang or Meru)..

Mind to share your experiences and advice...?

Thanks

''U need to be realistic. No money = dont buy '' -->true

At this moment, a house price on average is around 300k or 400k.
10% is abt 30k or 40k...plus legal fees,S&P,etc..need 50k
so wow..an average earner earning say 3k/month...by hook or crook save 1k per month..wah, 1 yr save 12k..4yrs +

*faints*..
I see people nowadays..age 24..age 26..purchasing house..at locations such as Damansara..Sunway..prices are like 1/2 MIL!

yoki ...1-2yrs? think no enough time..monthly installment depends lor..if around 1.5k..by 2yrs time (prays hard for increment n promotion or job change) can able to...BIGGEST issue is downpayment

Any possibility to purchase house without need downpayment?

HAHA

thanks all for your sharings...

im not guy have (or want) parents that can subsidize and sharing joint account epf with partner, it isn't possible either unless she says or suggests...

in other words, i will have to work my ass off , save up real discipline and pray hard that 2yrs from now the price do not sky rocket..

else seriously lah... it will become..only way to buy house would be get help from parents + share with partner OR wait till mid 30's OR TOTO / 4D

HAHA...*Faints*

Unfair world....tough being a guy.....

HomeExtra package?

SOunds interesting...possibility to apply in high?

Income range or income to debt ratio calculation?

whats high income earner? *Tough to decify that these days with the inflations and sky rocketing prices of goods right???*

Actually can take up 100% loan...if possible lah...since now ''some of us'' are short of $$$

of course provided in the years to come once we can start to earn more...then settle the loan faster ?

what say u?

my 2cents =)