dear bankers,

im looking for a housing loan for a house in bangi of rm470k for tenure of 30 to 40 years.

please quote me the necessery for both fully and semi flexi facility.

Wanted to know how much roughly i can loan, anyone can help me?

Basic Salary : RM6k

Commitment: RM620 Car
Credit Card: 8400/7500, 7000/4000, 8000/0

Hi, I plan to buy a new property which cost around 600k. Wanted to know if I eligible to get the loan or not.

1. Joint name with GF
2. Nett income total 6000
3. Commitment car 240, credit card installment 1600 (6-24 month)
4. Ptptn wait for waive exemption(already six month still waiting), will this affect the approval?
5. Property price 600k

Sifus please give some advice/comment. Thank you.

I just graduated last year, submitted the form for waive payment for first class, until now havent received any letter regarding the application nor payment need to start. How can I know if there is any outstamding?

Alright. Thanks for your information. Because i waiting for the application of "Pengecualian Bayaran Balik", if i pay the monthly payment now, i wonder can i get back the refund after they approve my application. =.=

Just called them and the application was approved since few month ago. I will still need to pay the amount that is overlapped. Is the ptptn will affect the loan application as well as failed the application directly? So worry as i am going to select the unit and send the application on next week.

The worst case is that i not receiving the letter by ptptn..lol..i think will need to go ptptn office and ask for more detail and see if can get any confirmation letter from them..Can i check the CCRIS on myself or someone behave on me?

Thank bro. i need to get the personal report PLUS or BASIC?

Wait for verification now.     after that only can get the report right?

Okok. How long will it take to complete verification and get the report?

Hi, guys I need some advise. Was thinking to buy a house to stay after marriage. Already have 1 house in the process of signing SPA.
Used my saving there, but I think it was a good buy. However, it is not really strategic for my own stay for now.

Now, I want to buy a house under both me and my fiance name. Prerabbly, one that can get some rebate/cash back.

I have a few questions :

1. How is our egibility to get a house loan? Max house price?
2. What's the legality of getting a loan more than actual sale price? (the purpose is to get cash - for marriage and other purposes)
3. Is it a good idea to go for new property with zero downpayment (only booking fees). Saw that a lot for new properties.

Me
Age : 29
Job : Software Engineer/Developer

Income
Basic : RM3,800
Fixed Allowance : RM500
After deduct : RM3,800

Commitment
Hire Purchase Car: RM484
Hire Purchase Bike : RM300
Credit card = RM4,000/RM5,000

To add soon (currently waiting for SPA signing)
No of Housing loan : 1
Housing Loan : RM420 (RM80,000 Low Cost Apartment) - Ambank
Rental income : RM600
Fiance'
Age : 26
Job : IT Executive

Income
Basic : RM2,300
Fixed Allowance : RM500
After deduct : RM2,500

Commitment
MARA Study loan RM200-100 (I'll ask her later)
Nothing else (She uses my car for work)

Hi, thanks for your reply.
1. My creditcard breakdown as follow:
    a. Maybank 4000 limit / 0 outstanding (pay every end of month)
    b. UOB 6000 limit / 0 outstanding (pay every end of month)

2. PTPTN Waiver: Just called their office, they told me that the approved letter has been issued since months ago, but i did not received it, and i need to pay overlap amount around 7k. Anyway i can convert it to monthly payment as i not able to pay in total amount at the moment.

Thank you.

i receive ocbc stattement that now my rate is 6.6%... is that too high? not below 4.6% ? throw the letter away already....

i left around 140k loan, can i refinancing, whats the best rate i can get . currently it ask me pay for 1200++ monthly but i always pay for around 1800.

oh no...i still paying so much...can you guys pm me detail ? lock in period (prefer no) ? current bank is ocbc, maybank maybe ?

Hi guys,

when do we start paying for mortgage loan for new property under construction?
Once it is completed or right away when SNP is signed?

How about subsale?

Sorry, first time home buyer here.

I see, so commonly, when the property reach 10%, I will start servicing the loan, is this correct?

If the property is already passed 10% completion, that means I'll be serving the mortgage loan as soon as the SPA is signed, is this correct?

Thanks guys for the clarification. Understood now

Hi guys

Whats the legality of 0% downpayment for buying subsales house?
Only pay booking and the legal fees.

Hi just to clarify, I understood the process. I would like to know if this is legal?
Valuer usually from the bank itself right?