Dear,

1. Based on the details given by you, Your max loan eligibility for each bank is as follow:
Bank Rm
A*BANK 328,078.67
H*NG LE*NG 539,285.33
M*YBANK 294,013.73
*CBC 352,816.48
R*B 309,338.33
U*B 352,816.48
C*MB 511,850.00
AFF*N -
PB* 511,850.00
HSB* 352,816.48

2. However, no ccris, it's subjective. If could show high saving $$$ in her account, there's a chance for 90% approval, else might drop to 80% margin of finance.



Dear jordanseow,

1. Based on the details given by you, Your max loan eligibility for each bank is as follow:
Bank Rm
A*BANK 404,543.60
H*NG LE*NG 576,460.93
M*YBANK 339,094.67
*CBC 406,913.60
R*B 508,642.00
U*B 440,823.07
C*MB 508,642.00
AFF*N -
PB* 508,642.00
HSB* 406,913.60
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. above haven't added your bonus yet.

3. YOu have high saving, that will be a good credit score boost

4. Why don't you try other bank than the 2 banks you mentioned?

Cheers mate

Dear Jet,

1. Lets say, 8 banks, there's 4 banks that would reject you, 4 would approved, however 4 banks that rejected you updated their rejection to ccris. When other 4 bank that will approved your loan saw the R status, might give you a lower desired rate.

it's subjective.

However, 3 banks is good. If 3 banks could give you what you needed. why apply more? haha

2. To get a better rate!

or if you verge of loan rejection, this will boost your credit scoring and turn it into approval! XD

3. Yes you can, if required by the banker. It depends on your profile as well.

Cheers mate!

Dear,

1. ocbc not focusing on mortgage loan currently. hence the package is not competitive compare to other banks in the current market!

2. anymore inquiries do ask!

Cheers mate!

Dear JET,

1. SPA & LOAN

usually you will need to pay the 10% DP and the legal loan and spa fees when signing the document

2. You can request the lawyer to do a short installment or delay the payment a little bit further. It's dependent on the lawyer service!

Cheers mate

Dear

If you didn't pay the lawyer full cost. they will need disburse the last cash. Because they need assurance.

Cheers

Dear coffeeS28,

1. Based on the details given by you, Your max loan eligibility for each bank is as follow:
Bank Rm
A*BANK 861,511.90
H*NG LE*NG 931,097.83
M*YBANK 834,673.15
*CBC 931,859.26
R*B 929,677.98
U*B 754,700.93
C*MB 1,091,993.98
AFF*N -
PB* 1,091,993.98
HSB* 931,859.26

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."

3. Yes, 90% on the loan you are targetting right now is achievable. still as above mention

4. Well, it's a good rate! employee loan. Make sure u understand the clause. What if you quit HSBC and change job, will they alter your rate up!

5.

a) yes you need to, need to pay the outstanding balance = DP 10% - REBATE

b) Yes according to table below for progressive interest!



cheers mate!

Dear

1. Yes, OCBC just started financing 90% just recently.

2. However, the rate is still not up to par to other local bank rates.

Cheers

Dear

1. Yes it is

but

2. No it isn't


3. It depends on the banker whether they willingly use their quota to help you remove the mrta.

CHEERS

Dear waimuntupai,



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


Bank Loan amount
A*BANK 591,880.00
H*NG LE*NG 841,854.17
M*YBANK 693,291.67
*CBC 594,250.00
R*B 742,812.50
U*B 643,770.83
C*MB 742,812.50
AFF*N -
PB* 742,812.50
HSB* 594,250.00




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."

4. No debt at all, well your case might need few supporting income to support. As no debts, bank can't track your past payment record, hence doesn't know whoa re you. We are just a white paper to bank, ccris is our identity


Cheers

This post has been edited by Madgeniusfigo: Sep 9 2017, 10:03 AM

Dear

Yes there's few web platform that has their API link with latest rate for each bank ( loanstreet, imoney. etc)

1. However, the interest rate shown in the web is just example range. The rate you received will varied to few factors:

- Your Profile
- Loan amount
- CCRIS scoring
- Your profession
- Your income

All comes into one for bank to decide your scoring and the rate, hence it's correlate.

2. Take those rate as a reference okay

Cheers

Dear Jo_da48,

1. Yes, 4.25% is good, 4.2% is even better.

2. However, you need to put overall perspective of banks facilities into consideration

3. Lowest rate still subjected to fluctuation, from the market and the bank's policy.

Cheeeerrrros!

Dear,

1. MBB rates dependent on borrower's profile, 4.3% for RM200K below. twice. but profile has to be great.

2. PBB rate for RM200K below rate is terrible

Cheers

Dear jackchong890,

1. It really depends on your profile

2. Certain profile for certain bank is good

3. 4.45% not the best, but is good enough

4. The rate shown by lifebalance is just a rough estimation of the interest rate, bank have to factors in alot of element before issue you the exact rate.

Cheers

Dear AskarPerang

1. Maybank promotion or HLBB promotion, usually they will give you first year 4.1-4.2% , next yer onwards it iwll be floating and rate on board rate which will range 4.2-4.45% based on loan amount

2. Loan amount not less RANGE than RM200K

3. if fixed rate like AIA loan, yes you will ge fixed at higher premium than board, but it will lock at tht rate, if the market rate goes down, you will be paying premium, if goes up, you will be safe t the fixed rate.

4. hence it depends on your investment perspective, thre's no sure win ways, all based on investment perspective, any method will go south if market turns around.

Cheer

Dear mittaya,

1. Different do look at the total loan payable




Cheers

Dear chaos999,



1. Based on the details given by you, Your max loan eligibility for each bank is as follow:
Bank Loan amount
A*BANK 726,033.33
H*NG LE*NG 895,220.83
M*YBANK 733,915.00
*CBC 728,915.00
R*B 789,312.50
U*B 728,915.00
C*MB 789,312.50
AFF*N -
PB* 789,312.50
HSB* 728,915.00

2. new job is not an issue, provided you have paid first month income with credited to bank, your job initiate on 10th July'17. So it isn't an issuee

3.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."

Cheers

HAHAHAHAHHA, I think when I snap, my phone jammed.


Here you go!




1. Bear in mind, this is 2 different loan with 2 diff packages

2. Installment constant

3. Look at it as first year, and the total interest you paid!

Cheers

This post has been edited by Madgeniusfigo: Sep 20 2017, 12:57 AM

Dear

Yes you are right, due to reducing balance interest!

but the amount it's stretched over 20 years.

Cheers

Dear

1. their rate depends on client's profile, it will range 4.3-5%, and depends on loan amount too

2. Both have the same features in terms of their full flexi functions.

Cheers

but RHB is not an actual full flexi features

If you wanna put extra $$$ innto capital account, you need to head to the counter/atm.

Yes.. the name is full flexi... the features aren't...


DO read the product guideline features of it.

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

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

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