If not fixed allowance?How many % considered?

It depends with the banks, but for most they would average out the non-fixed allowances, average the figure, and multiply it with 80%.

Heyy Yeap!


1. Your bad record as a paymaster will be reflected in the CCRIS report

2. However, all of your settled loan accounts will be cleared off the CCRIS. Meaning if you are a bad paymaster for 4 of your credit cards, and you have cancelled/closed the credit card accounts... it will be taken off CCRIS

3. From your view, is any of the delay payments coming from the housing loan and personal loan? Because once you have cleared the CC debts, the housing loan and personal loans will be the only ones left in the CCRIS...

4. Worst case scenario if your remaining loan accounts only have 2 months latepayment: 80% MOF for your refinancing!

Hi wild card my

I hv printed my ccris, no remarks on special attention ac. however, my hosuing/personal loan have "4" before & reduced to "2" or "3".

In your opinion, shd i settle personal loan first (around 21k) & half of cc debt (around 40K) ? or all cc debt first?

Hi..i juz buy landed house 2 stry rm426k..can calculate me with the best interest rate available for 35years? And if included package such as zec would be nice...tq

Hi

I'm a fresh graduate and have started working few months ago as an Intern, but last week, I was offered to be a permanent staff, Executive Assistant with an income of RM2000 + allowance RM300. I have a side income business where I earn a minimum of RM1000 per month.

Cut the story short, my eldest sister and I would like to buy 2 houses (2 story terrace) price at around RM480k each (Total RM960k) and apply joint loan. We are planning to borrow around RM650-700k because we already have some money, parents' saving + KWSP.

Any agents would like to make an offer?

Or advice?

Would there be any problem for me to apply a joint loan with my sister because I just started working (as permanent staff) this October. I will get my first pay slip at the end of October.

Thanks.

Possible to show me (privately is best) the CCRIS record? I can give a more accurate solution if I see it myself

The interest rate could be up to BLR - 2.45% depending on your risk profile. ZEC too, as in the moving cost will be included into the financing.

Hello Saffa,

1. Okay, so you are now on a permanent basis. That is good. How much is your sister earning? I can give a more accurate answer and estimation of the loan amount with that information.

2. Is your business registered? Where does the income go into, your personal bank account? During the past 6 months, what is the average income form the business?

3. How old are the 2 of you?

Thanks.

1. RM5000+.

2. No. It is actually a dropship business. I get commission every time I make sales. I've been doing it since early 2011. My boss will bank in my commission on monthly basis to my saving account. Below are my commission for the past few months in random order.

RM1704
RM981
RM1483
RM1492
RM1317
RM847
RM2778
RM1694
RM1484

To be safe, I prefer if you calculate my side income business as RM1000? Currently I'm saving a portion of my income in Unit Trust. RM300 since early 2012. Starting this month, RM300 + RM200 in two Unit Trust funds.

3. I'm turning 23 years old this November. My eldest sister is 38 years old.


Question:

My sister is working at Affin Bank and she is thinking of taking Affin's staff loan, does staff loan usually offer better deal? She gonna find out / ask about the staff loan tomorrow BTW.

Thanks.

This post has been edited by saffa: Sep 29 2013, 11:20 PM

80% of average 6 months allowance.

Hi all bankers,

Could you provide your bank's best valuation for the following subsales properties and the best interest rate your bank can offer?

I'll need the valuation first before paying the downpayment as there's sometimes a big difference between a bank's valuation and the asking price.

Subang Avenue
Persiaran Kemajuan SS16, 47500 Subang Jaya, Selangor, Malaysia
*Interested in 3r 2b 1,021 sf units

Laman Baiduri
Persiaran Wangsa Baiduri 12/1, SS12, 47500 Subang Jaya, Selangor
*Interested in 3r 2b 1,184 sq ft units

Millennium Square
90 Jalan 14/1, Seksyen 14, 46100 Petaling Jaya, Selangor,
*Interested in 2r 2b (887sq ft and 950sq ft) and 3r 2b (1,080sq ft and 1,130sq ft) units
** pls confirm your bank can offer loan as the developer Luxor may no longer be active in property development

Thank you!

Hello

1. With RM5000 and RM2000, and minimal commitments you should be able to get about RM800k worth of loans, but it depends on the commitment levels that both you and your sister are having

2. Okay, as long as the money is banked in they can be considered.

3. Some banks will look at the younger member of the joint loan account as the applicantion age. So if you are 23, you the joint-loan can be for up to 35 years.

4. The staff loan will usually be better, however, usually only 1 loan per employee, and she will need to refinance the loan if she jumps to a different company. I have many bankers as client because they dont want to be attached to the bank they are working at. Do let your sister ask the bank about these issues.

5. I carry many banks, and have a lot of sales contacts with bankers with other banks including. I can be your one-stop service, no need to see so many loan agents

Hello,

Would it be possible that you get the:

1. Full address

2. Renovations and extensions done to the houses?

Thanks.

Hi,

Currently trying to find best possible house loan package for my home buying..

Below some info for your consideration.

Work and and current address : Prai Penang
Income : RM 2500 permanent job almost 2 years already
Other commitment : None..

Interested to buy a RM130k APARTMENT RIMBA II, SEKSYEN 16, SHAH ALAM from first owner
for investment purposes (renting). Currently do have tenants.

Looking for ZEC loan + 35 years tenure + good rate..

Please advise possible monthly payment..


Thanks!!

Hi,

1. I'm afraid not possible because deal not finalised and several units are under consideration. But shouldn't all units of the same size in an apartment command the same valuation, especially since there's no Phase 2 or 3?

2. None. But f/f.

hey wild card my,

any news for my enquiries?

Any banks that waive valuation fee for zec loan? Thanjs

Hi!,

Will email to you the report for your advise!!!

I currently salary was 3.7k 23 years old. May I know the maximum loan I can go for?

Hi, currently do you have any commitment?

yes. car loan 740 per month

Hi, I am still looking for housing loan. The project is Taman Ria Mas and the developer is Soon Sin Hin Development Sdn. Bhd.

So far I have applied to Maybank, AmBank, Public Bank, and Hong Leong bank. OCBC is not one of the panel. None of the banks get back to me yet except Public Bank and the rate is quite bad. Blr - 2.3 at 80% finance of margin.
My partner and I have good credit record. Never have outstanding balance in our CCRIS. It is the first house for me and second house for my partner. Both of us don't have personal loan or car loan.

I don't know why the banks are so slow at approving our loan applications. I'm not sure whether having too many credit cards is an issue here (I have 6 credit cards). Please help.

Some banks already using the max 10 year for refinance top up rule by bnm.

Any bankers here still can refinance for the full duration including the top up?

If u can, Pm me quick !!!

Why have to sign next week? Can buy xtra time?