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 Mortgage Loan Package Inquiries v2, Loan agents pls read the 1st post!

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khairy90
post Feb 12 2015, 12:18 AM

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Hye guys and everyone, are looking for the best ever oppurtunity in investment with high guaranteed return? Groupfirst International gives you better oppurtunity to invest.

Who Are We :

We are one of top developer in UK known as a Groupfirst International




What We Do :

Open new public market for selling car park and storage in UK







What Interesting About Our Product :

- Single or multiple parking spaces are available to purchase,
which provide a guaranteed rental return within the first two
years of 8% per annum. Each parking space carries a single
title deed, which is registered in your own name or that of
your company at the Land Registry.

- The Investment Opportunity Investors have the opportunity to purchase a long-leasehold (minimum 250 years) on a storage unit, then have the option to enter into a 6 year agreement to sub-let their Storepods to Store First Management Ltd. Store First Management Limited will then sublet the units, under license, to end users.

How Different our Products with Another Properties :

- Have you heard about parking fees drop before? Of course no or seldom.Because parking fees always getting higher
- What type of property you buy it today and you can sell tomorrow with higher price? Residential is not good answer.Because you have to wait for the certain time, probably few years.
- We give you our valuation and you gain 25% capital appreciation


How This Investment Will Benefit To You :

Our product located at strategic and prime location.
- Car Park located at Glasgow Airport
-Storage locate at Nottingham
- We guaranteed rental return within the first two
years of 8% per annum
- 3rd and 4th year 10%
- 5th and 6th year 12%
Calculate Profit

How Strong and Marketable Our Investment :

Currently we selling for car park 4 after carpark 1,2 and 3 sold out rapidly

7.7 MILLION
Number of passengers that travelled through Glasgow Airport in 2014.

21,000
Over 21,000 passengers fly from Glasgow Airport every day.

10 MILLION +
Forecast passengers by 2020 (BAA), set to increase to over 16 million in 2040.

2,700
The number of long stay parking spaces at Glasgow Airport (2011).

17,900
Forecast demand for long stay parking spaces by 2020 (BAA).

4,500
Airport long stay parking spaces released for sale by Park First (2014).

92%
Average occupancy of Park Firsts airport parking spaces (throughout 2014).

How Safe Our Investment and What is the Risk :

- We selling completed project, so no any risk development.
- Our location is strategic and needed by all people that travel to airport
- Developer will buy back your property after 5 years if you are not interested anymore with this kind of investment

How About Any Car Park at Another Country :

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.

Please click here TO LOOK THE SOURCE :Hong Kong Parking Price
Second source :Parking at Hongkong from Bloomberg

What Is Our Price For This Investment :

- Storage : 3750 GBP
- Carpark : 20000 GBP

Where Can You Find About Us and Our Office in Malaysia :

- Official Website Groupfirst
- About Storage
- About Car Park
- Suite 8.01 Level 8 Menara Binjai No 2 Jalan Binjai 50450 Kuala Lumpur Malaysia

How to contact me:

- Phone/msg/whtsup : 0139482413
- Email : bukhairysofian@yahoo.com


Please contact me if you have any question and interested to know about this invesment

alexkos
post Feb 15 2015, 01:43 PM

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hi, i need help to finance 2 properties, RM80 k each completed unit. Secondary market. Want to loan 90% for both.

Query: Which bank allow combination of both loans for better interest rate?

I found that most package fluctuates around 4.65% I need the option for ability for refinancing in future, and competitive processing cost.

Thank you.

This post has been edited by alexkos: Feb 15 2015, 01:44 PM
LengluihunteR
post Feb 17 2015, 11:44 AM

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Hi all,

I would like to take up a second home loan and need expert advise, loan agents welcomed to PM me.

Thank you.
Vodoo2k
post Feb 18 2015, 02:51 PM

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Thinking of refinancing my condo. Agents welcome to pm. Thanks!
Dark Devon
post Feb 23 2015, 04:44 AM

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From: Subang Jaya Selangor.
Self Employed and thinking to finance 150k house loan using kwsp document as a freshie. Need some guide from experienced banker. Welcome to PM, thanks.
youngblood29us
post Feb 24 2015, 10:59 PM

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Guys need help..im looking to buy a property at RM480K..my records are clean..never missed any credit card min payment..ccris all ok..my DSR is abt 63% including the housing loan installment that im planning to take..i do not have any FDs and my cash balances is around 10k..will the FDs and cash balances affect my chances of getting a loan?
maybank is offering me 4.40% (MRTA included)..anyone got better rates, pls pm me..thanks
btan
post Feb 25 2015, 04:41 PM

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possible to get 100%?
lack of 10% downpayment..so sad.
ims2628
post Feb 25 2015, 10:51 PM

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QUOTE(youngblood29us @ Feb 24 2015, 10:59 PM)
Guys need help..im looking to buy a property at RM480K..my records are clean..never missed any credit card min payment..ccris all ok..my DSR is abt 63% including the housing loan installment that im planning to take..i do not have any FDs and my cash balances is around 10k..will the FDs and cash balances affect my chances of getting a loan?
maybank is offering me 4.40% (MRTA included)..anyone got better rates, pls pm me..thanks
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which bank you had submitted so far? maybe i can help you on this since my company is dealing with 9 banks.
ims2628
post Feb 25 2015, 10:52 PM

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QUOTE(Dark Devon @ Feb 23 2015, 04:44 AM)
Self Employed and thinking to finance 150k house loan using kwsp document as a freshie. Need some guide from experienced banker. Welcome to PM, thanks.
*
only KWSP? have pay income tax? maybe you can pm me for more info smile.gif
ims2628
post Feb 25 2015, 10:54 PM

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QUOTE(alexkos @ Feb 15 2015, 01:43 PM)
hi, i need help to finance 2 properties, RM80 k each completed unit. Secondary market. Want to loan 90% for both.

Query: Which bank allow combination of both loans for better interest rate?

I found that most package fluctuates around 4.65% I need the option for ability for refinancing in future, and competitive processing cost.

Thank you.
*
Very frank 80k property the interest won't be great since the loan amount is small.
Ultraman007
post Feb 26 2015, 12:08 PM

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Hi. I have a consistent side income of 1.5k per month for the past 7 months. Unfortunately there is no income slip to prove of the payment since it is pay by cash. How do i convince the bank about this income when i am applying for commercial loan ?
ims2628
post Feb 26 2015, 01:29 PM

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QUOTE(Ultraman007 @ Feb 26 2015, 12:08 PM)
Hi. I have a consistent side income of 1.5k per month for the past 7 months. Unfortunately there is no income slip to prove of the payment since it is pay by cash. How do i convince the bank about this income when i am applying for commercial loan ?
*
Nothing can be done on this situation, unless you can prove black and white where the side income come from.
alexkos
post Feb 26 2015, 09:27 PM

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QUOTE(ims2628 @ Feb 25 2015, 10:54 PM)
Very frank 80k property the interest won't be great since the loan amount is small.
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can quote %%?
ims2628
post Feb 26 2015, 09:43 PM

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QUOTE(alexkos @ Feb 26 2015, 09:27 PM)
can quote %%?
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you means interest that bank offer?
alexkos
post Mar 1 2015, 02:57 PM

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yup
ims2628
post Mar 1 2015, 07:04 PM

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QUOTE(alexkos @ Mar 1 2015, 02:57 PM)
yup
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Depends on bank highest 5.95 lowest 4.65
gibsonforever
post Mar 3 2015, 04:27 PM

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I'm applying loan soon. Not sure should take 30 or 35 years? Noticed the longer tenure (35yr)
has extra 63k interest in overall. I'm planning to settle lump sum every year, at least 20k directly to principal.
I want a lower monthly installment but save more interest by the time loan is paid.

Anyone can advise?

alandhw
post Mar 3 2015, 06:59 PM

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I found recently HSBC offering the ZMC package which bank will bare the loan legal fee for buyer. Has any HSCB agent can share the details info? Such as lock in period, interest rate and etc.
ims2628
post Mar 3 2015, 09:49 PM

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QUOTE(gibsonforever @ Mar 3 2015, 04:27 PM)
I'm applying loan soon. Not sure should take 30 or 35 years? Noticed the longer tenure (35yr)
has extra 63k interest in overall. I'm planning to settle lump sum every year, at least 20k directly to principal.
I want a lower monthly installment but save more interest by the time loan is paid.

Anyone can advise?
*
30-35 years is depends on bank, and offer by bank, you choose 35 years but your document or age doesn't met the requirement they will also slash the tenure to 30 years.

has 63k interest? you means you have saving 63k?

if you want to settle your loan earlier will advice you go for loan without any lock in, "islamic loan" * but not all nank islamic loan is without any lock in just FYI.
whoopsylai
post Mar 5 2015, 02:55 PM

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hello,
planning to apply loan for my second property
the property cost RM300k + carpark RM18k
Downpayment RM15k

the house i am currently staying in is under "me and my wife" and loan from Public bank.

question 1:
under such circumstances, is it better for me to get another loan from Public bank or other bank. can anyone help with stating out the pros and cons with regards to sticking to the same bank or going for another bank.

question 2:
can i include the amount for my carpark RM18k into the loan as well

question 3:
the apartment is meant for investment, thus under such circumstances, will there be any difference in terms of loans with lock-in periods compared to loans without lock in periods

question 4:
which bank offers the LOWEST INTEREST !!!!!!!!!
or could anyone suggest me a BETTER way than ME calling each and every bank

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