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

lifebalance
post Oct 9 2017, 07:06 PM

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QUOTE(Saladz @ Oct 9 2017, 07:03 PM)
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.
*
shakehead.gif so sorry to hear this. Hopefully you'll get this sorted out soonest.


Madgeniusfigo
post Oct 9 2017, 11:55 PM

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From: Kuala Lumpur



QUOTE(Saladz @ Oct 9 2017, 08:03 PM)
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.
*
QUOTE(lifebalance @ Oct 9 2017, 08:06 PM)
shakehead.gif so sorry to hear this. Hopefully you'll get this sorted out soonest.
*
Dear Saladz,
arggg. those guy.. =.=
ngph988
post Oct 10 2017, 11:33 AM

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QUOTE(Saladz @ Oct 9 2017, 07:03 PM)
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.
*
What happened to your mortgage agent?
zhariffPTS
post Oct 10 2017, 12:49 PM

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Posts: 34

Joined: Jun 2013


Hi Everyone,

Enquiry for me.

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

Loan amount : RM340,000 - 90%
lifebalance
post Oct 10 2017, 01:10 PM

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QUOTE(zhariffPTS @ Oct 10 2017, 12:49 PM)
Hi Everyone,

Enquiry for me.

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

Loan amount : RM340,000 - 90%
*
user posted image

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.
ngph988
post Oct 10 2017, 03:24 PM

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QUOTE(zhariffPTS @ Oct 10 2017, 12:49 PM)
Hi Everyone,

Enquiry for me.

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

Loan amount : RM340,000 - 90%
*
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.
Madgeniusfigo
post Oct 10 2017, 03:24 PM

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From: Kuala Lumpur



QUOTE(zhariffPTS @ Oct 10 2017, 01:49 PM)
Hi Everyone,

Enquiry for me.

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

Loan amount : RM340,000 - 90%
*
Dear

user posted image

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 thumbup.gif
Saladz
post Oct 10 2017, 05:05 PM

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QUOTE(ngph988 @ Oct 10 2017, 11:33 AM)
What happened to your mortgage agent?
*
hmm dont know leh, no pick up call or anything
moonmoon1985
post Yesterday, 03:41 PM

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any ZEC / free legal documentation package available?

type: housing loan (refinancing)
property: double storey terrace
location: PJ, Selangor
Freehold / Leasehold: Leasehold
Valuation: ~ RM500K
loan required: ~RM300K (just to pay off existing bank)
purpose: interesting saving / flexi loan

please pm. thank you.
lifebalance
post Yesterday, 04:18 PM

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QUOTE(moonmoon1985 @ Oct 16 2017, 03:41 PM)
any ZEC / free legal documentation package available?

type: housing loan (refinancing)
property: double storey terrace
location: PJ, Selangor
Freehold / Leasehold: Leasehold
Valuation: ~ RM500K
loan required: ~RM300K (just to pay off existing bank)
purpose: interesting saving / flexi loan

please pm. thank you.
*
Zero Moving Cost
AIA Fixed Rate 4.99%
CIMB non-fixed rate 4.3% - 4.4%

Financed into loan
CIMB
RHB
MBB
HLB
Alliance Bank
ngph988
post Today, 12:13 AM

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Group: Junior Member
Posts: 407

Joined: Dec 2009



QUOTE(moonmoon1985 @ Oct 16 2017, 03:41 PM)
any ZEC / free legal documentation package available?

type: housing loan (refinancing)
property: double storey terrace
location: PJ, Selangor
Freehold / Leasehold: Leasehold
Valuation: ~ RM500K
loan required: ~RM300K (just to pay off existing bank)
purpose: interesting saving / flexi loan

please pm. thank you.
*
Not many banks are offering zero moving costs, even so their interests are less competitive. Eventually the cost they absorb will charge on your monthly installment, e.g AIA. AIA offering near to 5% interests whilst commercial banks offering around 4.4 - 4.5% without absorbing any cost.

You may choose refinance loan amount at higher amount to cover your entry costs and enjoy lower interest rate.

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