Hi,

If bank allow you to loan up to aged 65, so your tenure can up to 26 years.
Interest rate based on 4.45%
Monthly instalment at RM2870

DSR = 2870 against 4208 = 68%

No problem to get a loan.

Thanks

Hi Bro,

I am facing a problem and i am not sure is there any solution for me. Last year i start my business and i stop taking salary but take minimum monthly director fee. Now i am trying to apply for a home loan so i increase my director fee since Jan 2015. Unfortunately CIMB rejected my application for few reason. No EPF contribution since last year, last year income tax declare too less, and they are not consider director fee as a income statement.

Any advice?

Thank you. I can only start to apply loan June because developer 's spa will sign in June/ July 15.

Hello,

I have done a similar case before.
Director fee does not required to have epf contribution.

Thanks

Which bank/FI are you from Stabella? Or which bank may accept it as i am also facing difficulties after resigned from a Corporate firm and now under Directorship

Can try OCBC and HSBC

Hi! Best rate for personal loan of RM50K pls. I can only think of bank Rakyat

Good day folks.

Looking to refinance my home (only 1 mortgage outstanding & this is it).
Have looked at SCB's & Citibank's offer (current = SCB) and just to share from my understanding, see pix below,

Have U found one that is like SCB's Islamic M1 with capped interest rate of 9.99%pa,
yet as juicy as Citibank's "no $10 pm, no legal, cash back?
If U did, can point this old dog to the right direction

need some advice from banker..

planning to buy house under 2 ppl name.

Income 3.xk (with nett allowance)+3.xk exclude epf etc

What is the minimum loan eligibility ?

Thanks.

This post has been edited by dejiar: May 3 2015, 01:28 PM

Well, if your director fee tallies 6 months bank statement some banks might still accept.

Hi,
I do mortgage loans under company name. Can up till 90% for commercial units new purchase. Max 120% LTV subject to T&C. Call 016-9465130, Bryan for more info.

Sole prop/Partnership/Sdn Bhd.
HLB

Taking 35 years loan tenure and average 4.5%,
estimate able to loan slightly less than RM1.1m assuming nett total income around RM6400 and assuming no commitment.

can call 016-9465130 Bryan for more info.

I am planning to get another commercial loan for 85%

However based on my calculation. I am lack of RM200 to RM350 installment due to another loan. Will a guarantor help?

Better to get in another co-borrower instead of guarantor

Hi all,

I would like to refinance my house. Personal.

Looking for banker from Ambank, Hong Leong Bank and UOB bank.

Only prefer full-flexi loan. Kindly PM me your contact. Thanks.

MAy I know why?

I can actually but i prefer to get it my own.

Guarantor serves other purpose, eg when the main borrower is still new to his/her employment. But for commitment issues, most bank would prefer co-borrower rather than guarantor.

Hi, Im looking for banker to proceed my 700k housing loan.. kindly pm me..

Will guarantor helps if my new loan( to be apply soon) lack of Rm200 to 300?
Based on Nett Salary x 70% - loan installment - (to be apply soon installment ) = -200/-300.

No, guarantor will not help. Unless can mitigate by having RM1m in assets. If not, better get another co-borrower with at least RM2k fixed income.