May I know what is the cost when wanna full settle the housing loan?
Do I need to appoint lawyer?
If yes, the lawyer need to be in bank's panel lawyer list?

thank you for the advise

Any RHB mortgage agent here or intro?
I am buying a KL property but staying in JB now. Thanks!

JB if possible ... 

per month income more rm10k which bank is high dsr % ?

1) Borrower info

Age
Occupation
No of borrower
Single/joint borrower
No of housing loan on hand

2) Income

A) Salary earner
Gross salary
Allowances
Fixed (average in 3 months)
Variable (average in 6 months)
OT
Bonuses
Contractual (total amount in 1 year)
Performance (total amount in 2 years)
Commission (average in 6 months)

B) Self employed
6 months Company Bank Statement
Income tax declaration

3) monthly commitment

Housing loan
Hire purchase
Personal loan
ASB loan
PTPTN loan
Credit card
Share margin
Other term loan
OD

4) supporting document

Rental
Savings
Fd
Asb dividend
Shares
others

morning everyone, is it possible to lend like "more than 90%" of loan amount? For instance 92-95%?

Thanks, but the pbb banker told me their bank housing loan doesn't including legal fees (only mrta). What can I do in this case? Can I still request for 95% loan amount?

Thanks, pbb doesn't allow me to include legal fees in loan.

They only included mrta in loan package, but not for loan legal fees.

I tried two branches, told me the same.

Hi. Any sifu here can give more explanation on CLTA or is there any existing post before this that explain or compare between CLTA, MRTA and MLTA?
Can CLTA only cover lets say 20 years instead of 35 years full load period, and if i settle the load earlier, i.e. in 25 years, what will happen to CLTA? Can this CLTA transferred to the next property i buy? Or at the settlement of loan, will I get any return or CLTA will just burn?

but for my loan of 500k, bank A offering me 22k premium MRTA, while CLTA from bank B is 16k. Both are coverage for total of 35 years.

For the CLTA, if borrower finished pay the loan early that the normal schedule.
What will happen with the CLTA? Refund?

Hi, any idea how to interpret clause (b)?

"(a) Servicing the monthly instalment amount upon full loan disbursement.
(b) Service interest portion only up to 5 years, and thereafter servicing the monthly instalment"

Are that 2 consider as payment options, which either I choose option (a) or option (b)?

I'm presuming I'm under option (a) by default since I was not briefed about the (b) at all.

Would like to check loan eligibility. Any bankers based on cyberjaya or melaka here?

1) Borrower info

Age
Occupation
No of borrower
Single/joint borrower
No of housing loan on hand

2) Income

A) Salary earner
Gross salary
Allowances
- Fixed (average in 3 months)
- Variable (average in 6 months)
OT
Bonuses
- Contractual (total amount in 1 year)
- Performance (total amount in 2 years)
Commission (average in 6 months)

B) Self employed
- Sole proprietor / partnerships / Sdn Bhd
6 months Company BANK STATEMENT
Income tax declaration
Net Profit shown in past 3 years audited report (optional)

3) monthly commitment

Housing loan
Hire purchase
Personal loan
ASB loan
PTPTN loan
Credit card
Share margin
Other term loan
OD

4) Supporting document

Rental
Savings
Fd
Asb dividend
Shares
others

5) Property details

Under construction or subsales
Property type
How many storey (for landed)
Property address
Purchase price
Master title / individual title / strata title
Freehold / leasehold
Build up / land area
Renovation area + total cost

Hi,

I would like to refinance my house as per below:

Loan Balance : RM220,000
Market Value : RM430k-RM450k
Loan required : RM380k(RM220k + RM160k cash out for personal & car loan settlement)

How much the instalment for period eg. 30/35years? Any good bank suggested?

how the bank calculate? how much the installment looks like for 10Y cash out? I'm not clear on this. Some banker i ask, told me it only for eligible calculation for approval.. But actual installment remain the same. Getting confuse..

if i passed? how the installment looks like?

1) Borrower info

Age
Occupation
No of borrower
Single/joint borrower
No of housing loan on hand

2) Income

A) Salary earner
Gross salary
Allowances
- Fixed (average in 3 months)
- Variable (average in 6 months)
OT
Bonuses
- Contractual (total amount in 1 year)
- Performance (total amount in 2 years)
Commission (average in 6 months)

B) Self employed
- Sole proprietor / partnerships / Sdn Bhd
6 months company bank statement
Income tax declaration
Net Profit shown in past 3 years audited report (optional)

3) Monthly commitment

Housing loan
Hire purchase
Personal loan
ASB loan
PTPTN loan
Credit card
Share margin
Other term loan
OD

4) Supporting document

Rental Income
Savings
FD
ASB dividend
Shares
others

5) property details

Under construction or subsales
Property type
How many storey (for landed)
Property address
Purchase price
Master title / individual title / strata title
Freehold / leasehold
Build up / land area
Renovation area + total cost

hi is it possible to check the max loan eligibility or and chances before buying a house or placing booking for the deal(without title, booking form etc)?

which bank offering this services?
1.Borrower
a.age Male 28 Female 27 (Hushand and wife)
b. 2 person
c. no. of housing loan
- Male holding 1st soho at desa sri hartamas (RENT OUT) 2nd joint name commercial property office lot at mont kiara (RENT OUT)
- Female 1st Property

2. Income (borrower)
a. Gross salary
both sole proprietor
-Male RM 37800 before tax
-Female RM 50000 before tax
3. Supporting income (borrower)
-Tenancy agreement rental (6months)
-Male
1. soho sri hartamas received RM1800 per month , installment RM1550/month MBB
2.Mont kiara office lot  received RM2850 per month , installment RM2750/month MBB

k. Fixed deposit
Male- RM20k
Female - RM120k

4. Initial borrowing amountfot Debt / commitment (borrower) "joint or indiv"
a. Hire purchase loan
Male
-soho sri hartamas RM350k
-Mont kiara office RM450k
Female
-None

b. Housing loan
-None
c. Personal loan
-None
d. PTPTN
-Male (None)
-Female RM8000 total (Will settle it before buying house)

e. Credit card (Outstanding/usage)
-male (1 CC only)Credit limited RM5000
-usage rm35k/ year (included AIA investment Link foe family hushand RM250, wife RM250, Daughter RM300)
Female ( None)
(Every card credit limit and outstanding)

4. If you are self employed

a. Busines income (Company credit balance for the latest 6 months)
male (none)
-new company in 2017
-30% share on one sdn bhd

female
I AUG Total credit rm19.k
IISep Total Credit rm 15.8k
IIIoct total credit rm16.5k
IVnov total credit rm11.2k
VIdec total credit rm51.1k
Vjan 2017 totl credit rm19.5 k

b. Company business industry
male
- sdn bhd company (Bakery)
-sole propietor (baby Product)

female
-fashion

c. Sole Proprietor/ Sdn Bhd

d. SSM registration establish for how many years?
male
-sdn bhd 1years
sole proprietor jan 2017

female
-sole proprietor - 3years

e. If SDN BHD/ LLP / MNC (What's your shares allocation in the company?)
male-30%
f. Do you pay tax?
male- 2017 rm1100
female
2015 - rm950
2016 - rm350
2017 - rm2400

5. Background (borrower)
male
- 2nd in family
-28yrs old
female
- smallest in family no.4
-27yrs old

both hushand and wife married
with 1 daughter 6month old

a. Occupation
sole propietor

c. currently staying at?
selayang utama 2sty husband's mum house

6. Property
-singel sty at SD 11 sri damansara

a. purchase price
-RM 720k

b. subsales or underconstruction
-subsales

c. freehold or leasehold
freehold

d. 1 borrower or joint borrower
joint name husband and wife

e. Strata/individual title or master title
individual

7. CCRIS
a. Have you defaulted any loan before? CCRIS showing "1" "2" for that specific loan
male
-none
-for the both property own by male in auto direct deduct the instalment in the MBB account

female
-outstanding amont ptptn 8k will settle before apply the loan

pls PM me if you guy need my contact or more details TQ

Hi guys, i have a question in regards to bumi and non bumi property and not sure where to ask. The scenario is like this, bumi person buy a bumi property but loan is under non bumi. Possible?

its last unit of the hse so we just signed to secure it.. =(
15 years because we wanted to settle it fast.. but the officers in bank advise us to do longer tenure say 25-30 years while paying according to 15 years schedule. is this a wise move?

also would like to ask u.. regarding dsr. in terms of joint loan, the installment amount is 50/50 or 100% taken into calculation of an individual dsr?

thanks for your reply=)

thank you for your explanations! you are being very kind and  helpful=)

1. I think you assume yourself have the best analysis in the world. Accusing everyone here to be at fault providing statement...

2. Had been seeing how you flame people whom asking questions here..when they doubt your capability, you flame them to the roof.. that's professional..

3. Accusing soliciting for sales? Do report on your baseless assumption.

4. Messy? well, in order to calculate the max loan accurately, there's myriad of information to input. I don't expect people to understand it, but to let them verify on the amount that I keyed in, so that no misinformation.

Well, if it's messy to you.. so be it... Important is that you are happy here.

5. Am here to help netizen to solve their problems and their inquiries.

Anyway, keep going rage at everyone here Dude.. I am here to help people solve problem with my expertized... not to chase for ego fame and selling AIA protection...

Have a nice day
Cheers

any PBB banker here? just to check that if i am working at overseas, what is the loan margin PBB can provide? my banker told me PBB only officer 70% of house value after a week i submitted all my document to him.

i am working in HK. the thing is when i submit my document to the banker he didnt inform me. a week later when i chased him about the result then only he tell me PBB only can offer 70%, that's mean he didn't do anything for my loan application.    

Hi guys ,
i want to loan a mortgage loan around 590K
1)I am struggling about whether choose OCBC or Maybank to apply the loan

2) normally loan more than 500K , ocbc or maybank provide better offer ?

Net income : RM3900 after epf
No commitment at all.
No car loan , no cc outstanding.

I just finish my car loan last year 2016 August with pbb car loan.

Yeah I have saving around RM200K , the house value is 760K, so I planning to throw 170-180K as my first downpayment .

29 this year , working sdn bhd. This year bonus is 2 month. Working with this company 4 years already

Thanks you for your advice

Hi guys,

I am planning to refinance.

I notice Maybank's BR is the lowest, at 3.00% (don't know what is their home-loan rate).

How does Maybank's home loan (maxi) compare with HSBC (which has higher BR) ?  I know HSBC full-flexi home loan is reduce principle if money is kept in account.

Any comments

yes it full flexi as i can withdraw anytime without fee
and deposit to offset principal anytime without fee
all can be done online

Hi, enquiry for my case
Any recommended banks

Monthly: RM 4,300 (annual 51,600)
Net : RM 3,850
Commitment : rm720 (loan etc
Credit Card : RM 500 on average
Loan Amount : RM 342,000 (@90%) or might consider skim rumah pertama

i was abit worried as i did have some late payment on my credit card being forgetful etc

ok i will try and see what the bank offer thanks

no consecutively, sometimes jus on n off like January then july etc

My mortgage agent just went MIA on me, anyone interested to take up my case please PM me.

Details:

House Price: RM 2.688M
Banks: MBB, PBB, UOB & HLB Only

Thank you.