Actually it's the same. Ambank charge more upfront already so even if later you thought you're paying less but you have already paid upfront earlier as they charge it flat 50% from the beginning.


This post has been edited by lifebalance: Jun 24 2016, 09:44 AM

Dun think so, what's up ?

How much u want to loan ?

Ya I can do for you.

Hi

It will be around 500k with ur current commitments.

About 630k

Hi

Elibiglity is about 400k

Hi

Your commitment is quite high.

This Asb loan monthly you're repaying 1100 right

You may be only qualified for 180k loan

Hi,

You can be eligible for 570k loan amount.

1. For your first property, if it's a subsale, you can entitle for 50% discount on MOT, if undercon don't have.

2. Yes, PTPTN non re-payment previously will affect ur loan, please get it sorted out by paying the outstanding late payment otherwise loan cannot go through.

Ya can, shouldn't a problem.

Yea you can, if you live in KL and invest in Penang.

What feature you looking for ?

All full flexi loan runs similarly. Just engage the banker to apply it for you.

If you're opting for no lock in then try islamic but not all bank islamic loan offer no lock in.

Provide me the detail as below so that I can check the value

Purchase Price:
Full address
Type of property
Land Area
Build Up Area
Type of renovation
Cost of renovation

Sometimes too new also the valuer might not have record of any transacted price so they will refer back to the developer price sold to the seller at that time.

This normally occur to new property that is newly completed and first few unit to get sold via subsale.

The one that is buying and selling is you and the seller not the bank. The bank will careless to do this job for you.

You have to settle this among urself and get the valuers to provide the valuation otherwise you'll have to wait a while until some units are being transacted and the valuer is willing to give the indication based on the transaction taken place.

Maximum loan amount is 210k.

Hlb close pipe water already. Interest rate might not be so attractive at the moment although the loan amount granted might be higher. It's also depending on the location of the property as they are selective.

How much are you planning to purchase ?

Your quota seems to be quite used up. Probably you might want to joint name with your wife if you want to take a higher loan or you have any other bonuses or rental income to support ?

Yeap I'm using 70%.

With fd 50k can help but subject to mitigation

This post has been edited by lifebalance: Jul 13 2016, 12:35 PM

Hi

400k shouldn't be a problem you can loan until 680k

Best rate 4.35%

Tldr

if you can stretch your loan tenure to reduce your monthly installment that will be best so that your monthly commitment isn't too high and with flexi loan you can pour the money back in to reduce your interest payable.

Semi flexi and full flexi loan are available in the market whereby you have the flexibility to cash in and cash out money to hedge against the interest charged on you.

Otherwise it's not so advisable to take a shorter tenure when you know you can take a longer tenure as your monthly commitment for shorter loan tenure will eat up your dsr quota for the next purchase