My wife also dont have ccris record.. Huh

I have two situations at hand;

1) My brother is recently employed with RM3.2k gross salary starting July. Contract employment with an MNC. Have an HP beginning Jan for RM450. No PTPTN

We submitted a loan for a 80k flat for investment, but we were having trouble getting approval
- he graduated before employment but his degree was withheld by his Uni because he seems to have an outstanding library fine. This was only known after we placed the booking, and the broker asked for the degree, since he did not attend the convo bcs he had a training in Philippines.
- the flat is still on master title. Old flat, high density. Developer is still around.

What are his chances? We submitted to Public Bank, CIMB & AmBank - the banks I know that would entertain master title properties, but the broker insisted on having the degree cert.

Would submitting his A-Level instead helps?

2) Of all 3 purchase of house i help with, none of it involve PTPTN on CCRIS. A good friend asked for advice, and I have no idea. Financially, I think he should be OK. But his PTPTN loan, last he checked in July has 75 arrears. He has been paying the loan, but it would take a significant amount of time to take those numbers off the CCRIS report. What are his chances?

I just walked into HSBC for a loan enquiry.

my payslip is a bit messed up.

Planning to get a 300k loan, zero commitment.
rate given was 4.5%, might be able to appeal slightly lower.

What do you think?

Hi all sifu,

Quick question, as the EPF as been lowered down to 8% from 11%, will bank now take the new rate to calculate the DSR?

this could made a slight different on the maximun loan amount can apply ? is my point valid in this case?

Hello all Sifu's. I am currently applying for 100% house loan (RM325k) and during my application submission, one of the banker seems to be pretty confident that I could get loan.

But I just got a call by same banker that there is some problems with approving my loan.     He asked:
1. if I am on contract or permanent worker?
2. how long have I been working in the company?

My answers were:
1. I am a contract staff for (2 years) started in July 2015.
2. I have been working in the company for slightly more than 6 months.

Right after I graduated I worked in overseas, so I do have prior experience as an Engineer.

So my question are:
1. If I am a full time contract staff, am I eligible for the loan?
2. Any possibility my loan can be approved? Maybe more information required?

    Thanks for your advise.

I see. I may have just started my job in Malaysia but I had been working in overseas for sometime. Maybe I should send my previous letter of employment and previous last drawn salary? Anyway to assure the bank my earning capability even it is a contractual?

Yes I am working in O&G and I know there has been massive laying. But the banker did not mentioned it was the problem as his main concern seems to be if I am Contactual or Permanent. Hmmm   

Would appreciate your advise.

Hi everyone

I need some advice here. Lets say i apply housing loan later got approve and suddenly i change working company.. Is that chance bank will cancel my loan? Let say i already sign snp and LO with bank.

i have 3 month probation preiod and i will report for duty at 21/3 lets say my loan approve and i sign the LO from bank before my report for duty date is their any chance bank will pull back the loan?

the problem is bank doesnt know i in probation preiod.. hmmmm..

yup its true.. do i need to confess to bank that i going to resign?

Am looking to refinance my property. If there is currently anyone interested in assisting, can PM me? Will furnish more details.

Thx for your advice.. I think i will ask advice from bank on this matters since i will join new company next month..  i not sign my snp yet their is chance that i ask my wife for joint loan if rejected by bank after i confes i will change job next month..

Thats why i been thinking to joint loan with my wife and ask her to apply the loan if bank disapprove my loan if i change my job since i not sign snp yet so i can put her name as joint buyers

My wife salary 3.8k, working with GLC and no have any commitment with bank (ccris clear)

Yup..

If i apply for credit card now how much chance i can get 90% loan? Since all bank gave me 80%

30k++ since 2011

T

Just got call 1 bank gave me 90% but interest 5.75.. Should i go for it? Need some advice since i not have much time left because already delay since my first 10% downpayment..

Ya reason because no have ccris.. How long duration to refinance the house because currently this house undercon.

For own purpose..