What are your results? 80% as well?

What were the rates CIMB offered u? I'm still waiting for the result from CIMB. Yup, once loan is approved even at 70%, u can't get refund. U can bid farewell to RM8k.

Hello, everyone. For all ur info, pls submit all ur loan before 1st of January. Coz the bank will calculate net income start from this date. Make sure all ur banker submit it by tml. My advice is, submit to all the panel bank.wish u all Gd luck

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Added on December 30, 2011, 1:15 amBLR -2.4%, no lock in period. 90% loan amount. I still waiting Alliance..which bank u ady submit??

This post has been edited by krif: Dec 30 2011, 01:15 AM

UOB, CIMB, PBB, Maybank & HSBC just a couple of days ago. Is your LO out for CIMB??

My LO haven't out yet. But this is my friend, so he won't lie me lo. Submit to Alliance bank too lah. It more linear to the approval. The DSR( total commitment divided by total income) is higher.

DSR for
CIMB is 65%
UOB is 40%
PPB is 50%
MBB is 50%
alliance is 70%
HLB is 50%

If ur DSR is higher that the scheme, the bank will cut down ur margin of finance.

Noted bro. Will submit to Alliance as well.

U wanna me intro Alliance banker to u?? She is manager at bandar puteri..

HSBC & Alliance DSR scheme rate are better among the rest i believed and their full flexi loan package are more or less the same. AMbank package should be good according to my banker friend working for other bank, but don't think anyone has mentioned that so far...

It's general rule to all the banks - the less commitments you got, the higher chance to get better rate and finance margin are offered by the banks.

Wow...didnt realize it until i read form this thread...i guess next year is going to be tougher...opps...2 days later....

Yes I agree the SA said as long as loan approve then we shall not able to refund but in fact the SA also promise there will be 90%loan margin. Congratulation to those who has get 90%, but did you get the LO, and how many banker approved this percentage, as for today I realize many of us can't get this margin, perhaps the verbal promise by SA already misleading is( as according to them we can easily get 90%). Maybe we should gather up and voice out ours problem, for those which havent settle their loan, can we meet up on sales gallery on 31 dec (Saturday) to voice out this issue to developer? If we stick I think we have better bargain power, please pm me if anyone going tq

May I know what the DSR rate for the HSBC and Ambank??

There are a few reasons cant get 90% MA
either ur DSR too low , so they cut the MA to obtain meet minimum DSR requirement (case to case depend on applicant)

or
overvalue.
bank may exercise a ceiling MA for certain project if they feel that the project is overvalue. if that is the case, bank will across the board approve at the same max MA.

certain bank also calculate MA base on the price after discount.
which resulted is a lower MA.

of coz u still will see why A&B have same income but B get higher MA?
that mayb due to few reason,
joint applicant?
pledge FD
earmarking of account?
and sum case, guarantor.

hope it helps.
Adios

Has anyone attempted to cancel his booking because of inadequate loan margin ?

or ask someone to take over their unit and save the book fee?

can do like this??? i think cannot..

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Added on December 30, 2011, 11:16 amfor those who unable get the margin of 90% and wanna get refund, better get rejection letter from the bank. then your deposit will be safe. I also got the rejection letter from Maybank ady

This post has been edited by krif: Dec 30 2011, 11:16 AM

there are many "My friend has an unit want to let go..." posts...

Haha those are seeking undertable money posts lar.

Oic. Maybe can try that.. How about u? get loan approve ady??

i am not even qualify to apply

oh..u din bought this???

He is just like me, a keh poh. Well, I am just trying to understand the current market sentiment now.