Good Day !

Currently I have property under joint ownership A+B
and would like to transfer to A only.
3rd party loan under A have to re-apply.

PM me if any banker have interested zero moving cost package to cover new loan fees.

Hi, looking to borrow 690K to purchase first house.

Any agent from OCBC and CIMB?

only HSBC have offer zero moving cost package, however i will advice you try others bank like maybank, pbb etc for better rate.

Thx for replying.
Do banks still accept joint parents as co borrower? Retired but with fixed pension.

Yes, they do. As long as the main borrower's name is in SPA.

THx for telling. That's a good news for me. I thought retired parents cannot be co-borrower.

thx for the reply ~
i have another question about refinance my loan.
Let say current loan is 360k and new loan apply based on market value 450k. How about the differences for plus minus 90k ?
How bank paying back the amount and how long it takes to reach me ?

Bank will bank in the remain balance to your bank account, and normally process will take around 2-3 months

FYI, I think most banks only offer max 80% LTV for refinance cases. So your loan gotta be lower for you to cash out anything if you need it. Correct me if I'm wrong

This post has been edited by B-Kwon: May 6 2015, 11:13 PM

Your info is wrong ya, refinance loan margin can go up to 90% I had done many refinance case before

Hi there, am looking for a loan that allows me to borrow about 50-60k or maybe more. Monthly salary RM4.8k, i have one credit card, no house and car. Been working for 3 years in this private company. No debt history. Any idea which is the best?

Looking to refinance my home.
Full flexi loan @ RM 500k.
Do PM me your best offer

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This post has been edited by Heffalump: May 12 2015, 10:07 PM

hi guys..looking for a loan, lets say my home loan remaining 100k, n i have this term loan tied up with my home loan 50k. and i have personal loan, credit card debt and car installmen debt,
i would like to know if i can consolidate these loans into 1, meaning refinancing under my home loan...
coz some bank i ask those excess cash only payable up to 10 years..

You can try to cash out and settle off all the other loans. Not exactly payable up to 10 years, but the calculation is just based on 10 years. If your income is able to support 10 year's instalment, most bank still grants up to 35 years, depends on age. Some banks might cap 10 years tho..

Refinance commitment might counted base on 10 year loan tenure, if you age allow loan tenure can repay base on maximum tenure 35 years

Hi, there is bank that can consolidate into 1 loan. but first of all need to know your ages. Tq

Anything i can assist u?

26 years old for both. Salary is 4500 and 2500 (not yet deduct epf, sosco...). want to loan for 1st house. 35 years loan. May I know 1 month our maximum can loan how much? So I can look for that price range of house. Only have 1 car loan RM740 per month. Credit card clear every month. Hope can explain on "My First Home Scheme" which allow to loan 100%. I looking to get 2nd hand house. Thank you

This post has been edited by xngjn: May 18 2015, 10:08 AM

Hi, I am facing the same situation as urs. Keen to know that which 1 u choose finally and why pls?