QUOTE(vdude @ Jun 30 2016, 02:31 PM)
Hi. I'm looking forward to buy subsale house (1st property). Price around RM400k-420k.
Need experts advice on the mortgage.
Age 30
Gross pay 4500
Nett pay 3900
Asb (monthly loan RM1100 for RM200k)
Car 700
Credit card outstanding 1000
Tricky part i just switch job for 2 months, probation for 6 months.
Will this affect my mortgage?
Dear
Dear,
1. Based on the details given by you, Your max loan eligibility for each bank is as follow:
Rm
AMBANK 108,930.38
HONG LEONG 300,796.21
MAYBANK 185,676.71
OCBC 108,930.38
RHB (525,685.57)
UOB 147,303.55
CIMB 224,049.88
AFFIN 262,423.05
"2. The best bank to get the highest loan would be HLBB. 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. Well, technically your scoring will be lower, however if you could prove your new job 1 month salary and bank statement crediting, bank will use the newest income of your new job. Income will be justifiable.
Need extra document:
1. Job letter offer
. If you need my help, do feel free to contact me. I will be all ears in guiding you towards this rough path.
. 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