Any bankers out there ? need to enquire on a loan package pm me tq. Want to cross check on me and my partners loan amount for sub sales property and chances of obtaining a loan at this period of time.

Hi everyone, how can i ensure my loan amount eligibility? I check online with home loan calculators?  How accurate is this information?

I dont want to go shopping for a RM800k-RM900k property when bank only going to allow me to take loan of RM500k.

Appreciate any assistance.

Do you guys know which bank offer the best rate or promotion?

i got offer for housing loan from RHB at 3.3%. is it ok?

Heard Public Bank can go down to 2.85% now? Is it true?

if refuse mrta mlta or any form of insurance, rate will be higher?

Getting a commercial house loan for 305k, 35 years for 3.35%. Is that a good rate?

Is it still possible to get full loan for second hand house/condo?

May I know how much lawyer fee I need to pay if I am selling a house at rm800k?

Is it free from encumbrance?
may i know what is this?

Which bank charged the property?
Alliance bank

Under conventional or Islamic Loan?
it should be conventional

Bank outstanding as of now
bank outstanding 368k.

Single chargor or multiple chargor?
may i know what is this?

Single borrower or multiple borrowers?
joint name with my wife

Property Location
Johor Bahru. Ehsan Height

Freehold/Leasehold
leasehold, 999 years

Master/Individual/Strata title?
i think it should be individual

Any restriction on land such as malay reserved land, bumi land and etc
no i think

Hi Sifus,

I got offer from Alliance Bank for 370k loan amount with 3.19% rate. Cannot go lower as infomerd by the Loan Sales Person.
No need to buy MRTA.

Is it ok to take since ?

Hi sifus,

Im trying to finance an investment property (120k), my net 3700+, allowance not really fixed (at least 200), been working for 2+years. Credit card (clear off every month) left with PTPTN, no car loan.
Hoping for is a full flexi (no cap if possible), can foot the upfront 10%, roughly what % of interest rate am i looking at?
Im working for a SME so probably not much help, i just wanna to get a lowest rate possible to maximize my return on the property. (if co sign able to reduce the installment i can add a person in too)

I saw from the bank negara website listing the BR for maybank is 1.75 but curious why no ppl over here mentioned much about loan from maybank?
Thank you in advance.

about 300, 1Y+

I planning for a joint applicant loan. However my partner ptptn loan owing 20+ months. Is it better to settle it before sending in for loan application?

Hlb banker said shouldn't be any problem but maybank request her to settle it

Do banks normally call your work to confirm employment or is the payslip and EPF statement enough?

Hi bankers / sifus

I’m trying to get loan for my first house. Currently no other commitment except for credit card.

Loan amount : 565 020
Net income : 3300
Credit card : clear off every month no outstanding but with one instalment (11/24 balance outstanding 2,051)
Years old : 24 born in 1996
Occupation : banker (Hp)
Year of service : 2 years 1 month
Current address: selangor
Work address : KL
Marital status : single

Not prefer to joint name

Is it possible for me to get 90%? Please advise me thank you

hi all, pure commission earner here

net income received
july 3.3k
august 4k
september 3k
october 4.9k
november 4k
december 16k

rental income 2.5k per month (im the only owner)

commitment
car loan 800 per month
joint name housing loan 2.6k per month, so consider 1.3k commitment for me?

last year my earning very low, so borang b not beautiful, is it possible for me to get a 600k housing loan?

thank you!!

im pure commission earner, no basic salary, only the 2.5k rental is fixed income.

35 now, looking for single name application.

is it possible?

july to december as stated in first post, january to jun got some only, negligible amount..

may be my question should be like this, is it possible for me to get a 600k loan with only latest 6 months commission & 2.5k per month rental income?

commitment
car loan 800 per month
joint name housing loan 2.6k per month, so consider 1.3k commitment for me?

thank you!!

Hi all Sifus here
I’m going to sign my SPA next week (first home)

Any advise for me / anything to take note when signing ?

Thank you all 🙏

To all the sifu here, can i get some advice on how much loan can i get and the tenure
Prop value 750k, sub sale, single name
Age 28, single

Income 5.3k gross, bonus 1 - 3 month per year

Commitment

Car loan outstanding 60k for 7 years (instalment: RM800 per month)

Thanks!

Hi all, looking for some advice here.

Applicant A (Age 32, working in financial sector, not bank)
Gross Income = RM7,500; Nett income = RM6,100
Commissions are paid quarterly basis (on average 2-3 months per quarter)
Gross income during commission months (February, May, August, November)

Summary for past 6 months
July = Gross income @ RM7,500, Nett income @ RM6,100
August = Gross income @ RM22,500, Nett income @ RM16,000…..2 months commission
September = Gross income @ RM7,500, Nett income @ RM6,100
October = Gross income @ RM7,500, Nett income @ RM6,100
November = Gross income @ RM30,000, Nett income @ RM21,000…..3 months commission
December = Gross income @ RM7,500, Nett income @ RM6,100
January = Gross income @ RM7,500, Nett income @ RM6,100

A’s monthly commitment
Housing Loan = RM2,950 (joint-name loan, not with Applicant B)….not sure if bank will calculate using RM2,950/2 (ending in 27 years)
Personal Loan = RM2,000 (ending in 3 years)……for family purpose (unable to disclose further)
Car Loan 2 = RM875 (ending in 5 years)
Car Loan 1 = RM505 (ending in 14 months)
Credit Card = RM800 (ending in 9 months)
Applicant B (Age 29, working in accounting firm)
Gross Income = RM4,700; Nett income = RM4,000

B’s monthly commitment - Nil
We are looking to get a mortgage loan valued at RM550,000, tenure at 35 years. What are the chances?

If the abovementioned chances is slim, what if A had paid off Car Loan 1 & Credit Card before applying for the loan?

SPA RM 180,000
Loan amount.    RM  147,000
Valuation fee    RM      0
(MRTA).              RM.    3,129
Total loan amount RM 150,139.00
Approved with 3.15% monthly installment RM 591

is it a good  deal '?since i dnt have other options as the agent only send my application to this rhb bank only