Ok. So it is best to clear all installments first before applying for home loan in order to get maximum amount?

I saw public bank Base Lending Rate increase from 6.85% to 6.95% today.

Why is it increase and are other banks increase as well?

Hi,

I am applying for mortgage (first house, subsale, condo, puri aiyu shah alam). Price at RM400k. Net income RM4k (after deducting epf and car loan RM400). Want to max out tenure, and 95% financing. PM me for good rate! (especially 4.45% and below). Thanks.

Hi, i am currently looking for a Non-HDA commercial property, and its seems CIMB now offer up to 30 year tenure instead of standard of 25 year?

Thanks for your information, currently shortlisting a few option. Will PM you once i am confirm on the unit. Thanks

Hi all,

Can we check how much/percentage we can loan from the bank before buying a property?

I am looking for any direct or outsource mortgage bank officer or specialist for an upcoming project in KL. If your services are fast and referral are given, please PM or message me directly.

Hi, my problem now bank said my scoring point is lower because i got no comitment at all. I clear my car loan last year to makes room for housing loan this year. I go to bnm print out my ccris and got no record at all, very regret.

What loan can make my credit scoring point higher?

Can i refinace back the fully paid car loan just for the sake to make my ccris record nicer?

Aik, but maybank and cimb said credit card cannot built credit history ?

My 6 years house loan with PBB, they increased my interest rate from BLR-2.2% to BLR due to 1 month late in payment.

Staff told me to write letter to HQ and request for reinstate but got rejected today with the reason they need to see my prompt payment in this coming 6 months and I can only request again after Oct.

If after Oct, they rejected me again, I buta to pay extra 2.2%.

If I do refinancing now, I need to pay penalty of 3% based on current outstanding of 190k minus 2 years instalment value x 3%

Penalty would be RM4600 if I do refinancing.

If I didn't do, I need to pay extra 2.2% interest and amounting to RM1736

However, what if I do prompt payments in coming 6 months and they rejected me, I buta to pay RM1736 and to seek for refinancing.

If I do refinancing now, I would need to bear RM2864 (4600-1736) in extra.

My house market value is about RM850k

Bank loan = RM192k

Scheduled monthy instalment = 1612
But I pay = RM2000 every month

Here got agent which can help?

no, only 1 month and now all up to date.

They rejected to reduce now but to wait 6 months to see my prompt payment.

What Abou if after 6 months and they disapprove too even my payment is prompt?

Hi all, I would like to ask whether with this financial situation is able to get 90% loan for subsale purchase of 353k and if so anyone can tell me each bank can provide flexi loan of how many % interest and also monthly installment for 25 and 30 years. Feel free to pm me.

28 years old,
Basic salary 3263
Car subsidy: 42.70
Monthly bonus : 408
Total income 3713
Car loan 617: (1 and 9 months left)
Credit card : always pay full amount when the statement comes
No other personal loan or debt.

Refinance is mahuan. Need to submit all docs etc.

Hokkien - trouble

if add on someone around age of 35 which is working and getting steady pay will help ?

Which is better? Full flexi or semi flexi? MRTA or MLTA? What should be put into consideration when deciding on these? Many thanks!

Besides, which bank offers the best package at the moment? We intend to borrow RM607,500 (90%) for 35 years.

Thank you very much in advance for your help.

Hello,

Looking forward to refinance my current house.

22 x 70
Freehold
VP on Feb 2015
Current market price around RM540k

Please PM me for more details, cheers.

Hi, I would like to seek some advice here;

I came across this islamic home financing package offered by Ambank, and I was told that during construction period the profit servicing (interest payment in conventional term) is fixed all across the 48 months of construction period. (the fixed payment is roughly equal to interest charged as at 50% drawdown; in other words, I am paying interest  for 50% disbursment regardless of completion status all across the construction period)

The under-con project is at 2a / 2b now, clearing the site and start piling.

In your opinion, would Ambank's loan contribute to saving? or conventional progressive billing would (which means i will be billed the profit/interest from 10% drawdown, site clearing, piling, structural, and all the way to VP?

Any of you guys here gotten a 380k loan with 4 years construction period? mind to share how much interest/profit you have to contribute throughout the whole construction period?

The developer is very reputable, and there is minimal risk of the project getting abandoned. Hearsay that this developer not only delivers on time, and very often will be slightly earlier than scheduled, and therefore, my only concern here is which package would save me more interest/profit during construction