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 Mortgage Loan Package Inquiries v2, Loan agents pls read the 1st post!

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Madgeniusfigo
post Mar 21 2016, 02:58 PM

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QUOTE(happyice @ Mar 21 2016, 12:41 PM)
Hi.. need help from expert on the following complicated case:

First house S&P under husband and wife, Loan under husband
Second house S&P under husband and wife, Loan under husband and wife

Want to change to :
First house S&P under wife, loan under wife
Second house S&P under husband, loan under husband

  1. What is the cheapest & easiest & fastest way to do this? Anyone can help me?
  2. There's love & affection transfer which allows exeption on stampduty?
  3. Is it possible to do transfer name first or need to do it together with loan application?
  4. Who should i approach, directly to bank? Will it be cheaper to use back the same loan from same bank, or change bank?
  5. Husband cannot afford to take the full loan of second house, unless the loan of his first house is transferred to wife, so we need to follow sequence, wait until first house settles, only do second house?

  Thanks
*
Dear happyice,

1. There's no easy way to do it. If your property is still under bank loan, you will need to refinance to change to ownership.
If your property is unencumebred, fully paid off, you just need to consult a lawyer to facilitate the changes.

Hence, if your property still owe few thousand outstanding, settle it then you can proceed with 2nd method.

2. Yes, TWL&A, with spouse, stamp duty will be waived..

3. If is method 1, refinance. both will be done together.

4. It's all the same, it depends on your loan amount on the interest rate you will get. Same bank doesn't mean cheaper rate, banks rate changes all the time. Hence, I would need to assess your details, so that I would able to find the best suitable bank for you to refinance and fulfill your objective. Do provdide below details:

CODE
1.Borrower
a.age
b. No. of borrowers
c. no. of housing loan

2. Income (borrower)
a. Gross salary
A:
B:
b.Variable income for business (6months latest)
"1.
2.
3.
4.
5.
6."
c. OT
d. Fixed allowance
e. Variable Allowance (6months latest)
"1.
2.
3.
4.
5.
6."
f. Bonus contractual (1 year bonus amount)
g. Bonus performance (2 years bonus amount)
h. Comission (6 months, each month amount from the earliest)
"1.
2.
3.
4.
5.
6."

3. Supporting income (borrower)
-Tenancy agreement rental (6months)
"1.
2.
3.
4.
5.
6."
i. ASB ( 2 years total DIV)
j. Shares dividend
k. Fixed deposit

4. Debt / commitment (borrower) "joint or indiv"
a. Hire purchase loan (Borrowed amount)*
b. Housing loan (Borrowed amount) (Joint or indiv)
c. Personal loan (Credit limit)
d. PTPTN (credit limit)
e. Credit card (Outstanding/usage)
f. ASB loan ( credit limit)
g. Overdraft ( Credit limit)

4. Background (borrower)
a. Occupation
b. age
c. currently staying at?

5. Property
a. purchase price
b. subsales or underconstruction
c. freehold or leasehold
d. 1 borrower or joint borrower
e. Strata title or master title


5. Well, dear, I couldn't give you a specific answer, untill you give me details first. So that I can give you a much more constructive advices.
Madgeniusfigo
post Mar 26 2016, 06:08 PM

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QUOTE(itv @ Mar 26 2016, 12:27 PM)
Hi Loan Agents/Bankers,
Will be handing over the deposit money next week for a 600K++ DS house in Nilai Impian. Unit is under construction. Would like to shop and gauge my ability to get a loan for the unit. Issue is I'm just back in Malaysia after working abroad for coupke of years(although it is still with the same company), hence credit references such as past EA etc would not be available.

Can anyone help me out and see where we will go from thereon? Would like to seek a financier with minimum papper work and hassle. TYIA
*
Dear itv,

1. So you are now working in Malaysia but with the same previous abroad company?
1a. Which country are you working abroad at?

2. Do you have any commitments in Malaysia?

3. Well, just need to provide at least 6 months of salary with Bankstatement would be good.

4. Before we proceed any further, let me do a preliminary check on your profile, whether you are eligible for the loan. Do provide me with below details:

CODE
1.Borrower
a.age
b. No. of borrowers
c. no. of housing loan

2. Income (borrower)
a. Gross salary
A:
B:
b.Variable income for business (6months latest)
"1.
2.
3.
4.
5.
6."
c. OT
d. Fixed allowance
e. Variable Allowance (6months latest)
"1.
2.
3.
4.
5.
6."
f. Bonus contractual (1 year bonus amount)
g. Bonus performance (2 years bonus amount)
h. Comission (6 months, each month amount from the earliest)
"1.
2.
3.
4.
5.
6."

3. Supporting income (borrower)
-Tenancy agreement rental (6months)
"1.
2.
3.
4.
5.
6."
i. ASB ( 2 years total DIV)
j. Shares dividend
k. Fixed deposit

4. Debt / commitment (borrower) "joint or indiv"
a. Hire purchase loan (Borrowed amount)*
b. Housing loan (Borrowed amount) (Joint or indiv)
c. Personal loan (Credit limit)
d. PTPTN (credit limit)
e. Credit card (Outstanding/usage)
f. ASB loan ( credit limit)
g. Overdraft ( Credit limit)

4. Background (borrower)
a. Occupation
b. age
c. currently staying at?

5. Property
a. purchase price
b. subsales or underconstruction
c. freehold or leasehold
d. 1 borrower or joint borrower
e. Strata title or master title
Madgeniusfigo
post Mar 29 2016, 07:51 PM

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QUOTE(yahiko @ Mar 28 2016, 04:58 PM)
Need advice.

1. Can non citizen be my guarantor for house loan in Malaysia loan lower than 500K?
2.  Any help on parent pass retirement age to become a guarantor even if she still working?

thanks
*
Dear,

1. Can't be done, he she has to be a malaysian citizen, because as a guarantor, he/she is responsible for any default happen upon the mortgage, if they are foreigner, they hold no responsibility at all.

2. They have to have income, if not it beats the purpose of having a guarantor. Guarantor is to take responsibility if any default were to happen. If guarantor has no income, who else gonna pay off the debt?

Cheers
Madgeniusfigo
post Mar 30 2016, 05:45 PM

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QUOTE(yahiko @ Mar 30 2016, 01:52 PM)
2. Have income but already pass retirement age. ( mean still working even after retirement age) still a no?
*
Dear,

1. Yes can add in, but do be aware that, being a guarantor must have this criteria:

a. have 2 existing mortgage loan.

2. adding your father will increase the DSR availability, but the age will be a factor, which will reduce the credit scoring.

Cheers
Madgeniusfigo
post Apr 1 2016, 01:32 PM

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QUOTE(blu.sockz @ Apr 1 2016, 11:17 AM)
need an advice here,

1st property - S&P and loan under wife name,
2nd proeperty - S&P and loan under husband name,
3rd property - S&P under husband n wife name, loan under wife name

4th property - S&P under husband n wife name, trying to apply loan under husband name - will the bank only allow 70% ? if still 90%, will the bank lower the score and take into account of the husband being named in the 3rd property S&P?

TIA
*
Dear

1.
HUSBAND:

-2ND PROPERTY
-4TH PROPERTY

Your husband had 2 mortgage loan with 2nd property and 4th property. Hence, 5th property if it's under husband name, the margin of finance would be 70%, due to 2 existing mortgage loan under his name.

2. If 4th property is new property about to purchase, then 90% would be possible.

3. Your scoring is base don few factors:

DSR loan facility
debt payment patter
Profession
company status
Family background
credit card usage
etc


Cheers

This post has been edited by Madgeniusfigo: Apr 1 2016, 01:34 PM
Madgeniusfigo
post Apr 6 2016, 03:00 AM

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QUOTE(SoFarSoFail @ Apr 5 2016, 10:49 AM)
Hi,

Would like ask how much housing loan is my wife eligible for.

She has been working w/ GLC company for almost 2 years now since May 2014.

Monthly commitment, only car (rm480) which is paid promptly every month

No other commitment at the moment.

Do housing loan need guarantor? I have no idea as this is my first time applying for loan by myself.

As for me, i'm not sure if i'm eligible to become my wife's guarantor or not. I have S&P and loan for 1st house, under me and my father. Car loan. Personal loan. ASB loan. and 1 more loan recently under me and my brother which i'm not sure for what.

Thanks.
*
Dear SoFarSoFail,

1. Housing loan guarantor is needed only if your income solely couldn't get financing. However, this is a worst come worst solution. Do be a guarantor, 1 of the criteria is, you must have 2 existing mortgage loan with bank. Not many banks offer guarantor scheme though, just so you know.

2. Working in GLC, very nice, most banks love client who are fixed income and work under government or MNC company.

3. Before I can dissect and do any analysis whether your wife eligible for the loan, do provide me with below details, so that I could better analyse your situation:

CODE
1.Borrower
a.age
b. No. of borrowers
c. no. of housing loan

2. Income (borrower)
a. Gross salary
A:
B:
b.Variable income for business (6months latest)
"1.
2.
3.
4.
5.
6."
c. OT
d. Fixed allowance
e. Variable Allowance (6months latest)
"1.
2.
3.
4.
5.
6."
f. Bonus contractual (1 year bonus amount)
g. Bonus performance (2 years bonus amount)
h. Comission (6 months, each month amount from the earliest)
"1.
2.
3.
4.
5.
6."

3. Supporting income (borrower)
-Tenancy agreement rental (6months)
"1.
2.
3.
4.
5.
6."
i. ASB ( 2 years total DIV)
j. Shares dividend
k. Fixed deposit

4. Debt / commitment (borrower) "joint or indiv"
a. Hire purchase loan (Borrowed amount example: *Initially borrowed RM300K from bank at year 2011*)*
b. Housing loan (Borrowed amount example: *Initially borrowed RM300K from bank at year 2011*)*
c. Personal loan (Borrowed amount example: *Initially borrowed RM300K from bank at year 2011*)*
d. PTPTN (Borrowed amount example: *Initially borrowed RM300K from bank at year 2011*)*
e. Credit card (Outstanding/usage)
    (Every card credit limit and outstanding)
f. ASB loan (Borrowed amount example: *Initially borrowed RM300K from bank at year 2011*)*
g. Overdraft (Borrowed amount example: *Initially borrowed RM300K from bank at year 2011*)*

4. Background (borrower)
a. Occupation
b. age
c. currently staying at?

5. Property
a. purchase price
b. subsales or underconstruction
c. freehold or leasehold
d. 1 borrower or joint borrower
e. Strata title or master title


Cheers
Madgeniusfigo
post Apr 6 2016, 05:43 PM

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QUOTE(DeepBlueGuy @ Apr 6 2016, 09:03 AM)
My home loan is 4.7%, loan amount less than 250k. Is this a good offer?

Bank officer said now, many people get more than 5%. So,my offer is good? Really?

Does the number of home loan you have affect the rate? This is my third loan.

I have clean record.
*
Dear,

1. 4.7% is an okok rate. However, the rate you received will prolly based on your profile. If your profile shows green light in bank system, they will give you a better rate.

2. I have approved a client of mine lately RM190K loan 4.5% interest rate. It is a damn good rate for his loan amount. However, different case same amount, get 4.8%.

So all is depends on the loan amount and your profile.

3. RM250K usually the rate range is 4.5-4.6%

4. Which bank did you get 4.7% ?Mind to disclose?

Cheers
Madgeniusfigo
post Apr 8 2016, 03:26 PM

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QUOTE(lpshuan84 @ Apr 7 2016, 10:42 PM)
Hi,

I got  RHB Refinance Home Loan beginning of the 2014. Can I get refinance from RHB again to get higher loan amount and extend the repayment tenure? Or get the OD facility? What documents it need?

Details-
Johor Property value 300k
Loan amount RM210k
Tenure 20years
*
Dear Ipshuan84,

1. You need to understand refinance and top up:

Refinance:

When you have loan A with BANK MBB, and your refinance the loan, meaning to say you change from BANK MBB to Bank RHB.

Lets say if your loan A owe RM300K outstanding balance.
Loan A market value is RM800K

You can refinance the RM300K to Bank RHB from BANK MBB.
Cash out the market value price RM800K

Hence,
You can cash out (RM800K *90% =RM720,000. RM720,000 - RM300K(OUTSTANDING BALANCE) RM420,000 (CASHOUT)


Pros:
- New and better interest rate
- Change a better bank
- To change borrower or SPA ownership

TOP UP:

When you have exisitng loan A with BANK MBB, you wish to cash out money from the property and doesn't want to change bank.

Hence you cash out the money from the same bank.

You will need to pay new installment based on RM420,000 (TOP UP)

Pros:
- cheap entry cost
- Fast disbursement of cash out.



2. Yes, you can extend the repayment loan tenure.

3. OD facility rate is very high, so not advisable. But useful for certain objectives.

4. Document needed for refinance:

CODE
PERSONAL DOCUMENTS
1. IC front-back for each applicants (Clear and Nice, do not cross)

Income Documents
2. 3 months payslip (6 months payslip required for variable allowances or commission earners)
3. 3 months  bank statement  (6 months required if 6 months payslips provided)
4. EPF statement
5. 2 years EA form to include past bonus payouts
6. Job letter offer or Job Confirmation letter, if new at current company
7. Tenancy agreement (stamped)
8. Borang BE + tax payment slips

PROPERTY DOCUMENTS
2. Strata or individual title
3. Sales Purchase Agreement
4. Latest loan statement


Supporting Documents:
1. Tenancy agreements
2. Fixed deposit
3. ASB div bonus 2years
4. Shares divdend 2 years
5. Performance bonus ( 2years) (payslips and bankstatement indicating the credit of bonus
6. Contractual bonus ( 2years) (payslips and bankstatement indicating the credit of bonus
7. Saving account summary, if saving more than >10k





Cheers
Madgeniusfigo
post Apr 14 2016, 06:36 PM

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QUOTE(blu.sockz @ Apr 14 2016, 06:52 PM)
hi guys,

Do you know for Semi-flexi mortgage loan, can we put in extra $ into the loan account during construction phase (usually first 2 years, disbursements still ongoing) to reduce the daily/monthly rest calculation?  Or it depends on the banks where some allow, some not?

Thanks in advance.
*
Dear,

1. Usually if you gave full flexi only they will allow you to do so.

2. Whether Semi flexi allows you to perform such act, it really depends on certain banks.

3. Not all the banks have standard practice, it varies from bank to bank.

Cheers
Madgeniusfigo
post Apr 14 2016, 06:37 PM

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QUOTE(blu.sockz @ Apr 14 2016, 07:10 PM)
thanks. Anyone can confirm how Maybank, Ambank, RHB, UOB works? or at least your experience using the semi-flexi?
Dont have LO yet, still in application state...
*
Dear,

Maybank No.

Ambank RHB you must have full flexi to perform such act.

UOB not so sure, will get back to you

Cheers
Madgeniusfigo
post Apr 18 2016, 07:38 PM

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QUOTE(blu.sockz @ Apr 18 2016, 11:58 AM)
thanks. UOB does not allow too (semi-flexi).

is that right that the final rate offered by bank isn't really the MOST important factor because all banks will revise their BR very often. So 1 bank could give u the lowest rate right now upon signing but who knows after 1 or 2 months they decided to raise higher than other banks which effectively we are paying more. ?

i think bank facilities, convenience, and other terms (e.g mrta) suiting to our need are more important. rite?
*
Dear,

1. Thanks

2. You are very right! Effective interest rate does show the rate you are accomodate with right now, however when the time is right for the bank to defend, they will increase the BR and thus your IR will be much higher than the rest of the bank's previous offer.

3. You are right. Agents service, banks customer services, bank accessibility, package,terms ,loan tenure, the defaultment clause are important. However, interest rate do play an important role though. haha

Cheers
Madgeniusfigo
post Apr 20 2016, 05:00 PM

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QUOTE(vincenthw @ Apr 20 2016, 01:12 AM)
Hi would like to check whether chances of me eligible to get loan of RM782k with combine name with my family member

My details:
Gross pay : RM4,450 (annual income including bonus RM60k)
Net pay: About RM3.9k
Have car commitment RM40k outstanding
Have good record of paying car loan, credit card monthly
Age:24

Party A (combine name)
Annual income : RM70k+
Only have outstanding house flexi loan about RM180k
Age:60

Kindly advice the chances of getting housing loan if both of us combine name.
*
Dear,

Based on the housing loan RM250K borrowed initially and car loan.

1. Based on the details given by you, Your max loan eligibility for each bank is as follow:
Rm
AMBANK 612,397.41
HONG LEONG 857,649.61
MAYBANK 612,397.41
OCBC 775,898.88
RHB 828,893.59
UOB 612,397.41
CIMB 857,649.61
AFFIN -


"2. The best bank to get the highest loan would be HLBB and RHB. However, each bank has it's own ball game
Different bank will calculate your income and debt accordingly based on each bank's different policy. Hence,
I would need to do a due diligence on your profile before suggesting the best bank to proceed with."

"3. I would need to check you CCRIS, CTOS and income documentation before giving you any assurance.

If everything goes fine, 90% shouldn't be a problem for you."

4. If you need my help, do feel free to contact me. I will be all ears in guiding you towards this rough path.

5. I have wrote some articles that help guide first time home buyer to get housing loan, feel free to read it at below link:
5 Tips for employee to prepare for loan application

Few easy tweaks for self employed and freelancer to ensure loan approved


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Madgeniusfigo
post Apr 25 2016, 06:36 PM

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QUOTE(ben_king1991 @ Apr 24 2016, 08:48 PM)
Hi there, my fixed income is 7400 per month, variable pay around 1k per month, currently having car loan of 40k (per month 700) and Personal loan+credit card outstanding around 20k, I would like to purchase a house of 450k, please can you advise if this is possible?
*
Dear


1. Based on the details given by you, Your max loan eligibility for each bank is as follow:
Rm
AMBANK 746,683.60
HONG LEONG 945,031.90
MAYBANK 746,683.60
OCBC 746,683.60
RHB 898,564.48
UOB 746,683.60
CIMB 812,799.70
AFFIN -


"2. The best bank to get the highest loan would be HLBB and RHB. However, each bank has it's own ball game
Different bank will calculate your income and debt accordingly based on each bank's different policy. Hence,
I would need to do a due diligence on your profile before suggesting the best bank to proceed with."

"3. I would need to check you CCRIS, CTOS and income documentation before giving you any assurance.

If everything goes fine, 90% shouldn't be a problem for you."

4. If you need my help, do feel free to contact me. I will be all ears in guiding you towards this rough path.

5. I have wrote some articles that help guide first time home buyer to get housing loan, feel free to read it at below link:
5 Tips for employee to prepare for loan application

Few easy tweaks for self employed and freelancer to ensure loan approved


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Madgeniusfigo
post Apr 27 2016, 10:57 AM

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QUOTE(The Advertiser @ Apr 26 2016, 01:33 AM)
Hi bankers,

May I know which banks do NOT require those who take their mortgage loans to also take up MRTA or MLTA (after all some applicants may have health issues that make getting MRTA/MLTA difficult or impossible)?

AIA fixed rate requires MRTA or MLTA, correct?
*
Dear,

1. Yes, if you have certain illness or obese, it will be difficult for you to get protection approval.

2. It really depends on which end of sickness you are at and after medical check up only we could tell.

3. AIA, MRTA and MLTA is optional.

Cheers
Madgeniusfigo
post Apr 27 2016, 11:03 AM

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QUOTE(hihihehe @ Apr 26 2016, 03:32 PM)
possible to get a loan that will eat up to 60% of nett salary?
this doesn't include the savings that can secure the loan at least 1 year
*
Dear,

1. It depends on your salary, if it's 3k and below, usually it is 40%-60%, if it is 3k and above it is 70%-85%

2. Saving will be helpful in terms of securing a higher credit scoring for loan approval.
Cheers
Madgeniusfigo
post Apr 27 2016, 11:08 AM

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QUOTE(ufo monster @ Apr 26 2016, 05:53 PM)
Hi Guy, is it possible to get a housing loan amounted RM830k with monthly salary RM7000 with only commitment HP RM 900 (per month). No other commitment and credit card being cleared on every due date.

Thanks
*
Dear,

For accurate loan analysis, may I know what's your

a. Hire purchase initial borrowing amount?

b. Credit card

1. Credit limit amt xxxx/ credit card outstanding amt xxxx
2 Credit limit amt xxxx / credit card outstanding amt xxxx


c. Your Gross salary is RM7000 purely or included allowance?

d. Any BOnus?

- 2years bonus total amount

e. any allowances?

every month how much.

Cheers
Madgeniusfigo
post Apr 27 2016, 11:09 AM

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QUOTE(hihihehe @ Apr 26 2016, 06:11 PM)
Whats DSR?
*
Dear

1. DSR is debt service ratio, it is NET INCOME/ DEBT& COMMITMENTS

2. It's a calculation whether bank able to finance your housing loan with your current income and debts

CHeers
Madgeniusfigo
post Apr 27 2016, 11:18 AM

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QUOTE(lifebalance @ Apr 27 2016, 12:14 PM)
Please do not mislead clients on MRTA and MLTA being optional especially if you're not a representative of the company.
*
So is it mandatory?
Madgeniusfigo
post Apr 27 2016, 11:30 AM

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QUOTE(lifebalance @ Apr 27 2016, 12:22 PM)
Yes
*
Dear,


You sure?

1. Well, we have myriad of bank license here for our firm including AIA, and for your knowledge, MRTA is optionable for our firm.

2. If you have clients want to apply AIA loan and doesn't want to take MRTA, you can submit through my firm.

Happy to receive more business from your side.

Cheers

This post has been edited by Madgeniusfigo: Apr 27 2016, 11:34 AM
Madgeniusfigo
post Apr 27 2016, 12:16 PM

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QUOTE(lifebalance @ Apr 27 2016, 12:51 PM)
biggrin.gif  You and me are in the same business. By saying this statement, please confirm it in BLACK & WHITE to your customer you won't propose MLTA/MRTA under GE instead. I am sure JC Wealth Management and BTS Wealth Management has this kind of practice.
*
Dude,

You have some issues.
and You are very EPIC...to say the least, legendary....

1. I give my advise to a netizen to his question that MRTA and MLTA is optionable. Whereby doesn't involve you in it.

2. You step in and argue that AIA MRTA is mandatory (Which is wrong)

3. I told you it's not and you insisted that MRTA is mandatory if apply AIA loan.

4. I offer you a solution to apply AIA loan without MRTA mandatory through my firm if you needed to, because from my side, AIA loan doesn't need to packaged with MRTA.

5. Did I tell you not to sell MRTA or MLTA to your client? Or you couldn't read simple english?

6. Dude... you really need to stop your tantrum... I'm laughing hard.... biggrin.gif

Gosh.. doh.gif x

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