Hi all bankers and agents :

We are husband and wife would like to refinance one of our properties and getting other unit of property.

(A)  Cash bought a property and now want to get loan for it.
Details of borrower :
Age    :  40 year old
Salary (Nett)  : Rm2200 (Without contributed to EPF, but with   
  bank statement proved.) 
Rental Income  : Rm1200
Commitment : Rm6000 total outstanding of credit card.
Case  : Ctos  case just cleared on Feb 2014

Q1 
It will be taken as new housing loan for 35 year tenure or consider 10 year refinance loan?
Q2
Any problem to get loan with the just cleared Ctos case? 
Q3
Able to get 100% loan amount from property value?

(B) Details of borrower : ( Purchases case)
Age      :  37 year old
1st Job Salary(Nett)    : Rm3700 (EPF contribution exemption 
      approved by Government )
1st Job Fix Allowance (Nett)  : Rm400
2nd Job Salary (Nett)  : Rm2400 (Without contributed to EPF,
    but  with bank statement proved.) 
Rental Income    : Rm1500
Commitment  : Rm6000 total outstanding of credit card.
: Rm 2040 monthly repayment for two properties.
Case    : Purchases a property price 
      Rm300k but bank value only Rm270k.
Q1 
Able to obtain loan for property bank value Rm270k?
Q2
Any case for bank not taken 2nd income in calculation? 
still able to obtain loan for property bank value Rm270k with only 1st salary and fix allowance? 
Will the following be help to improve the income?
Got Other property  which SPA  and loan from bank under 3rd party name, monthly repayment Rm670, current rent out Rm1400. Have documents proven the said property under us. (Not SPA documents but from lawyer firm). Tenancy agreement under our name as well.

Basically  we need to solve :
Cash out the cash bought property  from getting bank loan which borrower just settled ctos case feb 2014, for the couple to purchase a unit of property priceRm300k, but bank value only Rm270k, need to pay 30% down payment  as it is 3rd properties and top up the difference of purchases value and bank value; which total Rm126k excluded other fees.

If any banker or agent can answer our questions and provided easy, good interest rate package and better bank value for both case, please pm us.  We will give you the details of properties.

Thanks a lot