can help me
how much i can loan for home
refer bank rhb

salary about rm3200
debt rm6000(rhb express) and credit card(nvr miss pay)

wanna buy apartment price rm226,500

I forgot got ptptn 23k
This apartment leasehold under developer
Developer rent to me, and now they want to sell it

Desaminium flora under company desaminium

Need some help here,

1.Borrower
-age – 30
-No. of borrowers - 1
-no. of housing loan – 1 (REFINANCE)

2. Income (borrower)
- Gross salary
A: RM 4500.00
-Variable income for business (6months latest) - none"
-OT - none
-Fixed allowance - none
-Variable Allowance (6months latest)-none"
-Bonus contractual (1 year bonus amount) - none
3. Supporting income (borrower)
-Tenancy agreement rental (12 months) - RM3500.00 per month
-ASB ( 2 years total DIV) - none

4. Debt / commitment (borrower) "joint or indiv"
-Hire purchase loan (Borrowed amount) - RM103,000 (rm1200 mthly repayment)
-Housing loan (Borrowed amount) (Joint or indiv) - Joint Loan - rm1400 per month (REFINANCE)
-Personal loan (Credit limit) - none
-PTPTN (credit limit) - rm230 per month
-Credit card (Outstanding/usage) – rm 1000 per mth /8mths left
-ASB loan ( credit limit) - none
- Overdraft ( Credit limit) - none

4. Background (borrower)
-Occupation – Electrical Engineer
-Years – 5 years
-currently staying at? parents home.
- Married with 1 daughter – Wife is housewife.

5. Property – Desa Putra condominium at Wangsa Maju
- Current Value - estimated RM700k
-subsales or underconstruction – underconstruction and compeleted 2007
- freehold or leasehold – leasehold
- 1 borrower or joint borrower - joint borrower
(Currently My MUM 1st Name, Myself 2nd Name and My sister as guarantor.)
-Balanced loan – estimated -RM200K - interest rate -6.55% -Alliance Bank -35 years

*I want to refinance this unit to 1 name if possible (under my name) what are the best rate and how much the maximum loan that I can get and cash value.

can i 'test' if my loan can approve or not
wanna 'save' deposit (2%), i worry after pay deposit suddenly loan not approve then burn

anyway, i want make short term PL loan about 50% from 10% downpayment

PL just to cover 10% deposit before i can withdraw my kwsp
also i get more 7% rebate after loan approved

i already have half from 10% deposit
so i need to PL half more
that why i need to comfirm that my home loan didnt have any problem to approve

my wife should be no problem because no 'heavy' commitment but to be safe better 'test' 1st

Dear,

May i know, what is the loan interest for 130k loan?

my agent submitted to 3 banks (MBB, PB, CIMB) so far CIMB called me for verification & interview and next day got approved. PB & MBB yet to call.

if i want to submit to other banks, what docs shud i prepare? or can i ask my agent to submit to other banks? i.e UOB, HSBC, etc?

Dear,

Let say owner selling property for RM 130 K but the Bank Value is RM 160K,

If i buy this property,

1) If after 1 year i want to refinance(If Bank Value is RM 160K) Does it mean i can get 30k money? 

2) What is the charges for refinance? have to sign a new agreement? stamping ? Just want to know the process

I am looking to refinance my property. Pls pm me

If there is anyone from CIMB or representing CIMB, please do PM me. Looking for a Top Up / Refinance.

I applied 90% loan for a 300k property + 25k parking. Approved today at 4.65%
Thinking if I should take it. Bank is public bank.

I heard current rate should be 4.45%, even the banker told me 4.45% but now the head office say 4.65%

Income is good, installment is less than 35% of net income. No car loan, 1st house already covered by rent. Already provided tenancy agreement and proof of rental income to bank. Yes it came with mrta, around 10k, factored into the loan. Car park lot rm25k is also included into the loan. I assumed the mrta will help me get better rate.

Yes only pbb. I'm still thinking if I shud just pick this or start applying other banks.

In terms of repayment. I would be paying an extra 15.8k at the end of the day with 4.65% compared to 4.45%. What do you think?

Dear Sifu,

Let say if I sign LOA with Bank today.. how long it will take for me to get house key?

any bank offer Zero financing cost for 250k loan??

Hi I want to ask.
Me and my bf want to buy the apartment (new) from subsales, 350k
Our salaries total 8000, car loan 800 total per Month.
I m working with goverment, he is under private company.  Will we be able to apply the for 100% full loan?

Hi guys, me and my gf wants to buy a 700k house. Just want to determine how much loan we can apply for. Salary is around RM6000+ SGD$5000. Can someone let me know how much we could borrow from the bank? And If my salary in SGD going to be a problem?

Thanks!

Hi guys, me and my gf wants to buy a 700k house. Just want to determine how much loan we can apply for. Salary is around RM6000+ SGD$5000. Can someone let me know how much we could borrow from the bank? And If my salary in SGD going to be a problem?

Thanks!

Hi guys, me and my gf wants to buy a 700k house. Just want to determine how much loan we can apply for. Salary is around RM6000+ SGD$5000. Can someone let me know how much we could borrow from the bank? And If my salary in SGD going to be a problem?

Thanks!

Hi Madgeniusfigo,

1) I current earns a gross salary of RM3800 per month and do not have any outstanding commitments and debts. What is the max house loan eligible for my situation?

2) Besides, I would also like to enquire if bank will approve loan to fresh grad who is still under 6 months probation?

3) Lastly, can you briefly explain the pros and cons of joint loan.

Thank you for your time. Appreciate your expertise.

Got few question to ask:

1.) Is this year housing loan rate better than 2012 / 2013 / 2014?
2.) Would it be wise to do rate check yearly? As my housing loan is with HSBC now, would like to switch to PBB.
3.) How can I check my loan policy, whats the rate currently? Even rate monthly charged me for 2015?
4.) For point no.2, would there be charges if i switch my housing loan from Bank A to Bank B?

hi,

got a offer from maybank,
loan 360,000+ 15,000= 375,000,
27 years
interest rate 4.85%

is it high or low? thanks

n