Dear

1. This is developer lawyer, means they know they are in full control. But since u said you are paying for the legal spa fees, means developer aren't covering the fees on behalf of you. This means u can opt for any lawyer for spa... Hence why being force by 1 lawyer when the world is your oyster.

2. delay legal fees, late disbursement, then will be charged penalty.

Cheers

Thanks guys for the advise. Will need to sort out the fees with them next week then.

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

Shouldn't be an issue to borrow 90%, assuming you clear off your credit card outstanding every month

Can apply for PBB, MBB, RHB, CIMB, HLB

For first home financing, as long as you fit into these criteria

Eligibility
Individuals aged 18 years to 40 years only
Malaysian citizen only
First time home buyer only
Single borrower/customer gross income not exceeding RM5,000/month
Joint obligors gross household income not exceeding RM10,000/month (based on gross maximum income of RM5,000/month per obligor)
Payment amount must not be more than 1/3 of monthly income
Business owners/directors/partners/sole-proprietorship are not allowed
Property value from RM100,000 - RM500,000

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

Late for a few months consecutively ? or just 1 - 2 months only ?

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

Oic will need to submit in and see what is the credit officer decision

Dear



1. Based on the details given by you, Your max loan eligibility for each bank is as follow:

Things to take note of based onmy max loan calculation

" -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."

" - 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."

2. Will need to look at your CCRIS on your credit card late payment, as how bad it is.

cHEERS

Please find the DSR range for respective banks.

DSR :
60% - RM 230,819.86
70% - RM 311,670.16
75% - RM 352,345.75
80% - RM 393,021.35

Your DSR seems to be at bottom neck of bank's threshold. Are you able to fully settle your credit card outstanding? Or do you have another person to be joint borrower?

thanks for the quick replies.

will be canceling 1 card and pay off 1 more card to keep. But i heard history checking is 1 year?

Yes, the CCRIS record is kept for 1 year, unless if the account is closed then it will no longer show in the CCRIS, but your existing bank will still have your record kept within the internal system.

If you have recent late repayment and do not close your account then it will still reflect 12 months record.

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.

This post has been edited by Saladz: Oct 9 2017, 07:03 PM

so sorry to hear this. Hopefully you'll get this sorted out soonest.

Dear Saladz,
arggg. those guy.. =.=

What happened to your mortgage agent?

Hi Everyone,

Enquiry for me.

Age : 27
Net income : RM3230
No commitments
Credit card : 500 Average

Loan amount : RM340,000 - 90%

I'm assuming you pay off your credit card outstanding on time every month.

However if you don't normally pay off the full amount, you can state to me the current outstanding balance that you still owe to the bank.

However if everything is cleared, then should be okay to meet ur 340k loan amount.

Please find DSR range as following.

60% : 303,851.99
70% : 372,102.47
75% : 406,227.71
80% : 440,352.95

May I know if you are buying undercon or subsale. If is undercon, you will have limited bank selection as end financing bank. If is subsale, you will need to consider entry cost such as legal fee, valuation fees and stamp duty.

Dear



1. Based on the details given by you, Your max loan eligibility for each bank is as follow:
[CODE] Bank Loan amount
A*BANK 379,798.80
H*NG LE*NG 511,065.07
M*YBANK 317,540.67
*CBC 382,048.80
R*B 478,811.00
U*B 414,302.87
C*MB 478,811.00
AFF*N -
PB* 478,811.00
HSB* 382,048.80
Things to take note of based onmy max loan calculation
" -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."

" - 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."

2. Rm340k Shouldn't be a problem

CHeers