Y dun u try other bank?? Try Alliance or MBB lah.. this 2 is more linear. If u need the banker contact, js PM me

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Added on December 30, 2011, 11:27 pmMy advice is. submit to all the bank and get the approval 1st then only compare//


This post has been edited by krif: Dec 30 2011, 11:27 PM

previously i'm banker too. will know how the procedure of the loan lah..althought maybe we ae 1st property, not 100% to get 90% margin. 1st thing you have to pass ur DIR (debt income ratio = total commitment / total income)

DIR for those bank:
MBB = 50%
Alliance = 70%
HLB =50%
CIMB = 65%
UOB = 40%

the income is net income. those commission earner, have to submit at least 6 mth income. some bank will take only 50%, 70% or 100% of our average income. Many customer maybe will paid their credit card by end of mth. If your credit card statement is at 10th of the month, what ever amount u swipe from 1st - 10th, consider your out-standing balance. the CCRIS is out from every 15th of the mth. SO why many ppl said they are gd paid master, but still cant get the loan.

2nd thing is your repayment record. if din paid 1 mths, still ok. if continuous 2 mth, then hard to get loan especially, car or housing loan

last, some bank maybe will see your saving only approved you 90%. how much is it, depends on the bank. but dun think 10K saving will be gd.. at least 20K, i think.

wah..so fast sign S&P ady