Looking to re-finance my condo.
Age: 39
Existing Loan Outstanding: RM290k
Market Value of Condo: RM550 - 600k
Still under (4th of 5-years) lock-in period with existing loan.
Intend to re-finance to the max margin of finance. Zero entry cost preferred.

Please PM me your package.

Hi banker,
I'm 26yo.. Work at private company (sdn Bhd)
Planning to buy 1st house, but how to know my loan limit? My salary not fix coz depend on my allowance.. And some of the allowance not stated in my payslip (pay direct to my bank acc). Some fren told me bank will only give loan base on pay slip. help me pls..

Looking for Zero Moving Cost for refinancing..

Metropolitan SQ, D'sara Perdana

PM me for details and your offers.

Thanks

Hi All,

I'm planning to purchase a sub-sale properties (RM330k) soon,

This is my situation,

1) Im 25 years old. Married.
2) My basic salary is RM4,500.00/month. Fix allowance RM500.00. Incentive & Claim average RM1,000.00/month
3) My wife basic salary is RM2,700.00/month.
4) I have no credit commitment at all. Car is cash, no credit card, no personal loan, nothing.
5) My wife got personal loan RM370.00/month and car RM600.00/month

The problem is, we dont have enough cash for 10% down payment. Our EPF account 2 is just around RM3k.

I was thinking to make a personal loan of RM30,000.00 for the down payment and all the fees.

Is that a good idea?

If anyone can guide me, I would greatly appreciated.

Thank You

Making a personal loan will adding more commitment into your financial status. Besides paying deposit of 10%, how about the sales purchase agreement fees and the loan legal fees? plus minus if you want to buy a subsales house at least need cash flow of 50k-60k.

normally loan entitlement is your net income divided by the current commitment plus new installment amount can't more than 60-70%.

then you can use the mortgage calculator to calculate the installment amount.

May i know this strata title has been issue yet?

is there any way to apply for My First Home Scheme? Does your bank provide this package?

Looking for maybanker please pm me

noap

What is the bank that can offer loan margin at least 85% where I have no credit commitment at all. Car is cash, no credit card, no personal loan, nothing ?
I have already try cimb, rhb, allianze, public bank, citibank, uob, hong leong.
So far, citibank already inform me that the max loan margin they can give is 75% only.

Actually OCBC can offer 90% margin but based on what u're saying I think all those banks slashed your margin because you DON'T have any record in CCRIS AT ALL.

How old are u? How long have u been working?

Never borrow any loan from bank before? Never had a credit card?

My advise is go apply a credit card first...and use it on petrol..

Yes. I know about it. But now the world has changed right ? Last time the convenience point of credit card is cashless. everything can pay by a small plastic card. But now we have internet banking and debit card which can replace the role of credit card, what for we need to apply credit card if we dun think is necessary ? For car, why must buy a new car if i can use an old car from my parents ??

I'm 28 years old. Working for almost 4 years.

But now i wish to purchase my first home and i need to get the loan. Anyway to solve this ?

Well think of it like this la, you get a credit card use it for petrol and get REBATES/ POINTS to redeem gifts. Nowadays the credit card benefits is really good if u use it wisely...
+
when you have CCRISS record already and your payment conduct is good and prompt. you will get your 90% loan

Anyone from rhb?

Hi,
Looking for bankers that can offer me zero entry loan,Max Tenure and lowest BLR rate. Preferably from Ambank since the apartment I win from Ambank Auction

Apartment
Price : 142,000
Age : 31

Hi all banker,

I'm planning to buy a sub-sale property at RM490k and I'm going to pay my booking fee by next Monday.

Anyone can offer me a loan package?

Kindly pm me for my contact number. Thanks in advance.

Thats y i'm facing problem now when i want to apply loan. So many stages that need to pass.　Ｉ　ｊｕｓｔ　ｗａｎｎａ　ｇｅｔ　ａ　ｓｍａｌｌ　ｈｏｍｅ　ａｌｓｏ　ｓｏ　ｄｉｆｆｉｃｕｌｔ．

Dear Bankers!!

Im looking for a homeloan. any banks (PUBLIC / AFFIN / STANDARD CHARTED/ OCBC / KUWAIT FINANCE / Alliance) are all welcomed to pm me what your bank offers and how to contact you.

Thank you

Hi, Wong,

I looking alliance banker for my housing loan. could you pm me your contact number easy to explain .
TQ

My residences details: 960k, under con, hope to get 90% loan

Subsales Property of 650k in Penang. Need offer of 90% loan. Pls offer best package. Tq.