[deleted]

This post has been edited by blank_slate: Nov 8 2017, 09:16 AM

Hi,

Wanted to ask, regarding the monthly bank interest payment, as my due date is on every 1st of the month, can i pay it after 2 or 3 days?

For example, the letter usually come in around 25th of every month and due date is every 1st of the next month and i have business trip or oversea trip which around 24th- 2th next month, is it possble for me to pay it after tat? or will there be any charges for it?

Thank you.

Can the Interest payment make use on Auto debit where it link to your saving or current account?
You may want to see whether early instalment are allowed instead of progress interest payment during developement stage?

You'll be considered late if you're due every 1st of the month and yet to make any payment upon notification.

You can set aside extra money in the account so once it's due then the account will auto deduct via direct debit.

Ic.. coz i usually made all the payment before due date. But i have applied for the auto deduct but still haven't activate according to the bank agent. Or is it possible if i pay extra abit after come back from outstation or oversea?

This post has been edited by emment85: Nov 9 2017, 09:42 AM

Ic.. coz i have made all the payment before due date. But i have apply for the auto deduct but still haven't activate according to the bank agent. Or is it possible if i pay extra abit after come back from outstation or oversea?

This post has been edited by emment85: Nov 9 2017, 09:43 AM

You can check with the bank teller on this

ok.. thanks about it.

Hi, any banker here doing for BSN Myhome(Youth Housing Scheme)?

Please pm me as I am applying for housing loan.

Don't think so. You'll have better luck going to their branch or website to enquire

Hi All,

I have a home loan since 2010 for a double storey landed property located at Bukit Antarabangsa, within 1km radius to 2008 landslide area.
I'm thinking to refinance for extra cash out and lower interest (current loan interest rate 4.85%, BLR -1.80).

Is it possible for me to refinance it? It is located at "high risk" zone in bank's view...

Not possible since it's near landslide area.

There are banks willing to finance bukit antarabangsa. But it depends what's distance from your property to incident.

How much you are looking to cash out? What's current outstanding and which bank property charge to?

Banker please contact me. new project i need loan. Kepong Fortune Centra. whatapps me +6594529948.

You're based in KL or SG ?

Your number indicated Singapore country code. May I know currently are you reside or working in Singapore.

how much is purchase price?

Hi Banker, Need loan for RUMAHWIP house worth RM300k. Salary 7.2k. Looking for 90%-100% margin of finance. PM me please.

Will need to know the other information to find out if still eligible.

Age
Gross pay
Nett pay
Rental Income
Bonus 2014 2015 2016

Commitment
House
Car
Credit Card outstanding
Personal Loan
PTPTN

To be eligible for 100% financing you'll need to fulfill all the criteria below.

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

Perhaps you can share us your monthly commitment before finalize our findings.

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
i) Fixed (average in 3 months)
ii) Variable (average in 6 months)
OT
Bonuses
i) Contractual (total amount in 1 year)
ii) Performance (total amount in 2 years)
Commission (average in 6 months)

B) Self employed
- Sole proprietor / partnerships / Sdn Bhd

6 months company bank statement(credited amount)
i)
ii)
iii)
iv)
v)
vi)

Income tax declaration
Net Profit/Loss 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

Hi All,
Just paid booking fee for a 370k subsale condo, and would like to do mark up so that i can have extra money for little renovation, however this owner bought the house through company name so cant mark up.
Any other suggestion to do that? some valuer give the condo value of 370k-420k..
havent got the letter of purchase signed by owner, i think next monday he will sign, so far hvnt start apply loan yet..looking for flexi and low interest rate too..
thank you very much.