Hi, yes, maximum tenure up to 35 years only.
If more than that, its consider breach of Bank Negara rules.

Just sharing

Bro,

May I knw which construction project you going to buy.
If you looking for attractive package. I am here ready to assist you. I am a direct Mortgage Loan Consultant from Maybank

Currently the max tenure for Loan period is up to 35 year capped at age of 70 year old. Kindly pm me @ yengsan.k@maybank.com.my or text me @012-335 1390 and I will call u back soonest as possible

Regards
Don
Senior Mortgage Consultant
Maybank
012-335 1390

Hi, I heard BSN loan package provide free Legal fee...Anyone can confirm this? Is there any others bank provide free legal fee morgage loan package?

Hi,

Not sure if my post fit to this thread but I'm in need for some help/advice

I'm a first time house buyer, and recently I went the new launch event under Glomac Lakeside Residence in Puchong

There are one 2-storey selling at RM900k.

Went to check few loan calculator, with the current interest rate, the monthly repayment should be around RM3.9-RM4k

I'm gonna try to submit the necessary document to see if I can grab that 90% loan.

I'm having a gross salary of RM 9k for the last 2-3 years until now, no car loan (2nd hand car fully paid), no outstanding cc record, no other commitment,

few question here...

1.) what are the documents needed for me to prepare in order to submit my house loan eligibility since I'll be trying few banks, just in case...?

2.) I'm trying to apply all by my own, without putting my wife as joint applicants, is it possible to get 90% or will it be successful?

3.) What are the other legal fees / S&P fees, etc that will be involved for buying a first house?

Appreciate all the professional feedback

Thanks.

still not sure to refinance or to take up new loan.
Need more info
any penang HLB agent please PM me.
thanks

90% loan should be no problem on your case.

Document needed
- i/c
- 3 months payslip if your gross income is the same every month without OT / Commission etc / 6 months payslip if your salary is + OT / Commision
- 3 months / 6 months bank statement
- epf
- borang BE & tax receipt / EA form
- booking form / title SPA
- FD / rental income / SPA - for asset support documents

Hi all,

First of all, thank you to all who PM me the much-needed assistant and professional advise.

I believe I learnt a lot today from this forum. Thumbs up to all who are so co-operative in helping my case.

There are still some that I haven't mange to reply, but rest assured, I will reply each of everyone of your PM

Thank you once again for all the helps.

I still have more learning to get myself understand about house loan mortgage, especially on the S&P fees, legal fees, loan agreement fees, etc (everything is all about money) but at this point of time, I'm thinking ahead on what are the latest interest rated being offer, as of today, for all the banks available in Malaysia, be it local bank / international bank?

I went to this website http://www.comparehero.my/housing-loan#all and it does show all the house loan interest and their package advantages.
I'm not sure if this is real or not updated.

Anyone can update over here a full list the latest interest rate house / mortgage loan, as of now?

Thanks again all, for those PM or whoever reply over here.

Regards
cks1026

Also, I would like to know what is the process to purchase a house?
Get the consensus on the final property price with the agent / owner, then Sign the S&P, then only prepare doc to apply loan?
or Get the consensus on the final property price with the agent / owner, then prepare doc to apply loan and then sign S&P?
How do we handle the downpayment? pay it to the agent and ask for the receipt or let the lawyer do it on my behalf?

Also, anyone from Citibank representative that can PM me? I want to find out on your house loan package as well as Overdraft
Others are welcome to PM me too.

Thanks again

Regards
cks1026

Actually its not advice to refinance back to the same bank because the rate they offer won't be that attractive, why don't you try submit your documents for few others bank and compare the rate?

I can confirm Hong Leong and BSN offer free moving cost.

I just went to Hong Leong last 2 days. The banker never tell they provide free Zero Moving cost.
She just told me Hong Leong has lower Spread rate which is 0.56% while Maybank Spread rate is 1.25%.
But I am not really understand how this spread rate affect the interest rate since the Effective rate is same at the end(4.45% - 4.65%).

Between, Free Zero moving cost = free loan agreement + loan stamp duty?

I have a fully paid low cost house
Rough estimation on market price is about 70-80k
Planning to refinance the house

anybody can comment on the procedures and fees i need to pay if i opt to refinance the house

Fees to pay
1. Lawyer fees ?
2. stamp duty ?
3. Insurance ?

Yes. BSN provide free moving cost. The bank will pay for the loan agreement and the valuation fees if applicable. It will not be included in the loan.

Regards,
Redza 0176506060

legal fees + stamp duty on loan + disbursement

discharge no applicable

Hi Redza, you are from BSN?
Can you advise what is the BSN latest BR rate, spread rate and effective rate?
How much the legal fee + stamp duty + disburment for the property value RM 350K?

Meanwhile, need advise on how to apply on youth scheme? what kind of document is required?

what i know bsn provide free legal but with lock in 5 years.

what i know spread rate remain same for whole tenure while BR will be revised by own bank every 6 mths
spread + br = effective rate
so the best is choose lowest effective rate with lowest spread rate..
can anyone comfirm this, correct if im wrong

Yes in deed.

Dear All,

I'm Jake Ng From Ocbc bank, you all can contact me anytime if there's any loan enquiries or any difficulties in approval.

Regards
jake ng
016-3242799

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Calculate Profit

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7.7 MILLION
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2,700
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In Hong Kong, parking spaces are some of the hottest properties on the market.In May, a single space in a residential neighborhood on Hong Kong Island went for 4.24 million Hong Kong dollars ($547,000), making it the most expensive parking space ever sold in the territory.
The quirky market is being driven by a combination of factors: Low supply, high demand, and speculators who view parking spaces as a potentially lucrative investment opportunity."I am surprised how much interest there is on the market about buying and selling parking spaces," said KK Wong of Hong Kong City Parking. "Five years back, nobody would even be asking." With land at a premium, most Hong Kong homes don't come with a driveway or garage, and even luxury apartment buildings don't always offer car parking. The result is a total of 683,000 parking spots for a population that exceeds 7 million.

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- About Storage
- About Car Park
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