how they determine for 80% loan? izizt over 30% of ur comitment?

Try to call
- Trey from HLB @ 017-4905373
- Dorothy from HSBC @ 016-232 7926

Thanks chimaera that is helpful

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Added on December 16, 2011, 7:43 pmHi cc yeh and they say cos I too high commitment so can not give more then 80 if got 85 also lucky

This post has been edited by christ_0205: Dec 16 2011, 07:43 PM

Hi, that is UOB problem, even i have low comitment, they also approve me 80% in the beginning and 85% after appeal. I already got approval from HSBC 90%.

Hi say chin maybe u can also intro the HSBC officer to me

Is there any change in the new ruling by BNM that we are only allowed to get 85% loan only since 5% disc is given by BHL to the buyer?

Where show house?

Maybe a that what's the banker have told me and also the loan is base on the total bring back salery only
They said is hard for us to get loan next year

Ohh.. she is dorothy, so i didnt mention here since u oredi got her contact.

By the time I am interested in purchasing the unit, the staff treat me in a super friendly attitude and when I can't get 90% loan and asking for refunding, they treat me like "Who give you a damn"

Beware to all of you that can't get 90% loan, as you guys gonna have hard time getting back the refund of 5k.

I call the company and they pass me to admin, customer service and account yet can't work it out as they said will give me a call back however in the end nobody call to give me any update.

I found out that no matter how worst your case is, you still able to get any loan approve by the bank just not by 90% which I was told by the marketing department of BHL Construction that I could get back my refund if my loan get rejected. A banker informed me that bank will never reject but only loan out a little bit, which make me think as the marketing department of BHL Constrution is tricking people into buying it without knowing the consequences.

just my 2cent.

u r getting a full refund?
please do update us

thats a problem to those people who not familiar with house buying progress..

developer only promise you refund if you cant get any loan from bank, not if you cant get 90% loan from bank...

even 70% also a loan ...

Maybe you can try another way sell to some one eles asked BKL see if they can change name so that you can have your rm 5k back and do not need to go around with BHL and there also dont loose.

So is a win win just sharing hope this helps

can try MBSB if can't get 90% loan

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Added on December 19, 2011, 3:56 pmbut rate given by MBSB is bad, BLR-1.0%

This post has been edited by c3p16l12: Dec 19 2011, 03:56 PM

whoa.. so many can't get 90% loan eh.. luckily I applied earlier. Still no news from BHL on S&P.. maybe too many can't get loan?

You are the lucky ones I hope I will join u soon i am apply with others hope to have a better faith

No call yet... I am also waiting to sign my S&P.

If you don't mind telling us, how do they find out your actual "bring back salary" ? Do you have to "volunteer" the information to them or they have a way to find out your other loans and commitments ?

The bring home mean after epf and soso and tax so that is the bring home total our payslip will tell

Well after continuously call their office number and argue with them, from Terence Tea, customer service, marketing department and account department, a person call Ganesh answer me and asking me to call back on Tuesday afternoon. It seem like I could get a full refund or worse to worst, I just have to let everyone in Malaysia know about the bad name of BHL.

Before i proceed into the booking fee, Terence did said I could get refund if I can't get 90% loan approved. As I take the precaution step as I was informed that I could only apply for loan after I paid the booking fee.

The staff that answered my call is really like a "leftover" hired by BHL as they dont even know what's customer service. Pass me from 1 department to another department yet can't give me an answer.

Totally different than Mah Sing which i get refund on Icon City as I reject the loan after it's approved yet they refund me.