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

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lifebalance
post Dec 1 2016, 11:42 AM

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QUOTE(pull007 @ Dec 1 2016, 11:40 AM)
On Tq. One more question, can the cost be included in the refinance loan amount?
*
Can
lifebalance
post Dec 4 2016, 09:32 PM

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QUOTE(henka123 @ Dec 4 2016, 09:09 PM)
so i no need care ctos score ?
*
No need
lifebalance
post Dec 6 2016, 11:40 PM

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QUOTE(darkdevilrey @ Dec 6 2016, 11:39 PM)
Looking at 300k loan for a leasehold subsales

what's the expected effective lending rate for current market ?
*
Variable between 4.3 to 4. 6 depending on profile
lifebalance
post Dec 19 2016, 04:43 PM

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QUOTE(andreleeqs @ Dec 19 2016, 04:41 PM)
Need home loan for Penang Butterworth Aspen project.. 
Unit price at 523K...  Looking for 90% financing... Any loan officer here?
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Yeap you're based in Penang or KL ?

Need to know your basic info

Age
Gross pay
Nett pay
Rental Income
Bonus 2014 + 2015 total

Commitment
House
Car
CC Outstanding
Personal Loan
PTPTN

This is house number 1, 2 or >2 ?
lifebalance
post Dec 23 2016, 02:13 PM

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QUOTE(noob90 @ Dec 23 2016, 02:12 PM)
Hi,

Please check your pm. I want to check my eligibility too.

For other forumers who can also help me to check my loan eligibility, please pmme too.
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Need to know your basic info to check

Age
Gross pay
Nett pay
Rental Income
Bonus 2014 + 2015 total

Commitment
House
Car
CC Outstanding
Personal Loan
PTPTN
lifebalance
post Dec 23 2016, 06:57 PM

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QUOTE(terrorist @ Dec 23 2016, 05:47 PM)
Want to refinance my house. Currently with HLB. Passed lock in period d.

Property current value around 370k. What's the max loan amount for refinancing ya? 80%? I guess all the bank fees lawyer fees around 2% of loan amount?

What the MAX dsr Bank can accept ?
*
80 to 90% for margin

Ya standard 2% of the loan amount

Max dsr is 75% to 85%

Let me know as I did a lot of refinance cases
lifebalance
post Dec 28 2016, 09:26 AM

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QUOTE(aaronoid @ Dec 28 2016, 09:18 AM)
Hey there, Any FAST bankers here? I recently just won a property auction and would like to get some quotes fast. Drop me a PM. Thanks
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Standard procedure, will need to check your eligibility first

Please provide the following details

Age
Gross pay
Nett pay
Rental income
Asb
Bonus 2014 and 2015 total

Commitment
House
Car
Personal loan
Credit card outstanding
Ptptn

What's the loan amount and purchase price?
lifebalance
post Jan 2 2017, 04:15 PM

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QUOTE(seanooi880327 @ Jan 2 2017, 03:47 PM)
would like to check if in AKPK program...
but salary is enough to borrow after deduct akpk monthly fees and other commitment...

Is bank still borrow housing loan? or must wait till finish AKPK program first?
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Finish akpk and lay low for about 6 months to 1 year before you try to loan again.
lifebalance
post Jan 3 2017, 12:40 AM

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QUOTE(reeve-826 @ Jan 3 2017, 12:30 AM)
any banker here can offer lower interest for mortgage loan? May i know possible to get 4.2% for New house?
Please PM me thanks
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It's not the banker that can offer. It's the bank who offers it.

4.2% was possible last few months but you can still try provided your credit score and background is all perfectly aligned. It's also loan amount dependent.

First thing first to to check whether you're eligible to take up a loan

Please provide the following details

Age
Gross pay
Nett pay
Rental income
Asb
Bonus 2014, 2015 and 2016

Commitment
House
Car
Personal loan
Credit card outstanding
Ptptn

The purchase price and Loan amount you're taking

This post has been edited by lifebalance: Jan 3 2017, 01:24 AM
lifebalance
post Jan 16 2017, 07:19 AM

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QUOTE(playboy88 @ Jan 16 2017, 01:17 AM)
now my mortgage loan is with cimb bank, the loan size was 353k, recently i thinking of doing an top up loan.

current proporty price is around 550k, taking of top up around 110k. which become 85% of proporty price.

what is the best suggest in this case? refinance to other bank? or going back to cimb bank.

the most concern is the installment tenure.
*
Either way works fine as the tenure depends on your age

All banks can apply until 35 years or until age 70
lifebalance
post Jan 17 2017, 02:11 PM

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QUOTE(propusers @ Jan 17 2017, 01:20 PM)
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?
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You'll need to get the redemption form and appointment to a lawyer to discharge your title.

Preferably the bank panel since they know the procedure well
lifebalance
post Jan 18 2017, 02:03 PM

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QUOTE(propusers @ Jan 18 2017, 10:03 AM)
my landed property is under individual title and loan with Alliance bank. Cost around 1k++?
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He's not a lawyer

Get a real lawyer to quote you
lifebalance
post Jan 22 2017, 01:27 AM

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QUOTE(Jactiego @ Jan 22 2017, 01:26 AM)
Any RHB mortgage agent here or intro?
I am buying a KL property but staying in JB now. Thanks!
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You prefer the banker in jb or in KL
lifebalance
post Jan 23 2017, 10:53 AM

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QUOTE(henka123 @ Jan 22 2017, 11:36 PM)
per month income more rm10k which bank is high dsr % ?
*
most banks offer up to 80% - 85%

MBB, RHB, CIMB, PBB, HLB

Rather than worry about what % that the bank gives

It'll be more accurate to perform a loan eligibility check for you.

You may provide me with the following

Age
Gross pay
Nett pay
ASB
Rental Income
Bonus 2014 2015 2016

Commitment
House
car
Credit card outstanding
Personal Loan
PTPTN

This post has been edited by lifebalance: Jan 23 2017, 10:54 AM
lifebalance
post Jan 24 2017, 07:35 AM

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QUOTE(heavensea @ Jan 24 2017, 07:05 AM)
morning everyone, is it possible to lend like "more than 90%" of loan amount? For instance 92-95%?
*
90% + 5%

The 5% is for mrta and legal fees financed into the loan
lifebalance
post Jan 24 2017, 08:11 AM

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QUOTE(heavensea @ Jan 24 2017, 08:10 AM)
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?
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Perhaps you loan too small amount below their guideline therefore can't financed in your legal fees

Otherwise you're buying your 3rd property, the bank will also not allow you finance in legal fees
lifebalance
post Jan 25 2017, 12:45 PM

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QUOTE(heavensea @ Jan 25 2017, 12:08 PM)
Thanks, pbb doesn't allow me to include legal fees in loan.
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What was the reason given?
lifebalance
post Jan 25 2017, 02:51 PM

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QUOTE(heavensea @ Jan 25 2017, 01:23 PM)
They only included mrta in loan package, but not for loan legal fees. sad.gif

I tried two branches, told me the same.
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oic oh well just pay the legal fees in cash then if you got the money. I'm sure you've budgeted that in if they can't finance it.
lifebalance
post Jan 25 2017, 07:20 PM

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QUOTE(heavensea @ Jan 25 2017, 07:14 PM)
Thanks guys, I just aware that pbb doesn't including loan legal fees.
*
You didn't apply other banks?
lifebalance
post Jan 25 2017, 07:31 PM

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QUOTE(heavensea @ Jan 25 2017, 07:22 PM)
Other banks interest rate higher, PBB and MBB giving lower interest.
*
Then why not mbb?
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