Mortgage Loan Package Inquiries v2, Loan agents pls read the 1st post!
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 Oct 5 2013, 12:11 AM
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Senior Member
1,659 posts Joined: Feb 2005  
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Guys, how long does it normally takes to process loan applications? I have submitted the application last Monday and was told that the result will only comes next week after 2 or 3 times postponement.
Initially was told end of last week, later early this week, next end of this week, lastly mid next week. Really upset on the way things turn out. Have to sign the SPA next Thursday. Any advices, guys? QUOTE(ruben7389 @ Oct 5 2013, 12:01 AM) Why have to sign next week? Can buy xtra time? Cause it has been 10 days since I signed the Letter of Offer. There is a 14 working days clause from that day until signing of SPA. Interest chargeable after that. |
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Oct 5 2013, 03:19 PM
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Senior Member
1,491 posts Joined: Sep 2008 
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kl always have such problem. i dun see such thing happen in seremban. maybe customer always haven't decide which bank to take.
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Oct 5 2013, 05:04 PM
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Junior Member
226 posts Joined: Dec 2008
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i want buy my first house anyone can guide me on loan ?
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Oct 5 2013, 05:26 PM
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Junior Member
93 posts Joined: Apr 2013
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Hi
I need bankers who can do multi bank to contact me 1) Refinance commercial and residential property under company name 2) buy commercial property under company name 012-677 5928 |
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Oct 7 2013, 12:06 PM
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Newbie
0 posts Joined: Jan 2013
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QUOTE(GuezzWho @ Oct 4 2013, 10:28 PM) Hi, I am still looking for housing loan. The project is Taman Ria Mas and the developer is Soon Sin Hin Development Sdn. Bhd. hi, I wanna know, this one is completed or still under con?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. if you looking for 90% loan, May I know your monthly income? Any commitment now? how much your purchase price? Thanks QUOTE(vincent_ng86 @ Oct 5 2013, 12:11 AM) Cause it has been 10 days since I signed the Letter of Offer. There is a 14 working days clause from that day until signing of SPA. Interest chargeable after that. normally if no mistaken, or mis document, dhould be approved in 2 to 3 days |
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Oct 7 2013, 03:04 PM
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Senior Member
1,659 posts Joined: Feb 2005
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QUOTE(lykos88 @ Oct 7 2013, 12:06 PM) normally if no mistaken, or mis document, dhould be approved in 2 to 3 days Yeah, that's what I thought so too.Neither the banks nor the my middle man contacted because of that and it has been more than 2 weeks. Am quite disappointed with how things turn out. |
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Oct 7 2013, 06:27 PM
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Newbie
0 posts Joined: Jan 2013
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QUOTE(vincent_ng86 @ Oct 7 2013, 03:04 PM) Yeah, that's what I thought so too. Which bank you apply the loan? Neither the banks nor the my middle man contacted because of that and it has been more than 2 weeks. Am quite disappointed with how things turn out. I was represent Price solution, under standard charted bank, would you like to give me a chance on the loan, I should return to you within a week |
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Oct 7 2013, 06:38 PM
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Senior Member
1,659 posts Joined: Feb 2005
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QUOTE(lykos88 @ Oct 7 2013, 06:27 PM) Which bank you apply the loan? I have someone checking on Standard Chartered. Thanks for your offer.I was represent Price solution, under standard charted bank, would you like to give me a chance on the loan, I should return to you within a week |
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Oct 8 2013, 11:27 PM
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Junior Member
81 posts Joined: Aug 2010 
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QUOTE(xngjn @ Oct 4 2013, 05:27 PM) yes. car loan 740 per month Hi, approximately property price at Rm400k. Instalment about Rm1,650 per month if loan 90%, tenure 35 years and interest rate at 4.25% p.a.Not sure your net income is how much. You just add all your commitments included the propose instalment divide by your net income times 100. The percentage shouldn't exceed 80%. Thanks. Leann Ocbc Mortgage Sales 0125985590 |
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Oct 9 2013, 10:54 PM
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Junior Member
241 posts Joined: Oct 2006 From: KL
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hi,
i'm looking for loan on residential land. anyone can advice me one? tq |
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Oct 9 2013, 11:21 PM
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Junior Member
52 posts Joined: Jun 2007
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Hi, any of this 3 banks still offering 3rd party loan? Cimb, am bank, hLB? Any mortgage specialist can clarify?
I'm looking property of 630K Thanks |
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Oct 10 2013, 07:36 AM
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Newbie
1 posts Joined: Sep 2013
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Hi, I buy property of 464k need advise on loan with zec. Property is new and completed with CCC from developer.
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Oct 10 2013, 08:47 AM
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Junior Member
176 posts Joined: Jun 2005
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QUOTE(darkgandrake @ Oct 10 2013, 07:36 AM) Hi, I buy property of 464k need advise on loan with zec. Property is new and completed with CCC from developer. darkgandrake,Al-Rajhi & Standard Chartered bank do offer me ZEC package. but bear in mind that both have some downturn of it. Al-Rajhi BFR is 6.9%, and yet, they offer me about -2.4% (average rate as per other bank) SCB have ZEC, but will offer you less than average rate of -BLR, thus your monthly commitment will a bit higher from average. Apart from that, their valuation of property a bit lower than other bank, and i dont want to proceed to apply because of that. Both of the statement above is from my recent experience. It might be differs from one person to other. |
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Oct 11 2013, 01:55 PM
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Junior Member
100 posts Joined: Jan 2013
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Currently done my refinancing. Now interested to get another one.
My commitment is 1 refinance property and CC only no car loan. I am looking for loan around 600k. My refinance is 350k. My salary nett is only 3.6k. But with comision of quarterly around 4k and my house is rented out with 1.4k/month. What others supporting doc I need to enable to get loan total around 950k? Can I use parent as gurantor? or other property as grant? Please advice. Thank you |
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Oct 11 2013, 03:07 PM
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Junior Member
221 posts Joined: Dec 2006
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DELETED
This post has been edited by shiniraz: Feb 25 2021, 10:17 PM |
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Oct 13 2013, 01:17 PM
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Junior Member
96 posts Joined: Feb 2006
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Hi Loan Agents,
I'm looking for a housing loan for Seri Pajam Project. Please PM me for more details. The best rate gets my money! |
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Oct 13 2013, 11:17 PM
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Junior Member
23 posts Joined: Aug 2009
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Hi all,
First time property buyer here. Am intending to purchase a condo unit at rm610k. Looking for a package that has the best bang for my buck  Awaiting your PMs |
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Oct 13 2013, 11:39 PM
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Junior Member
271 posts Joined: Aug 2013
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QUOTE(terence999 @ Oct 13 2013, 01:17 PM) Hi Loan Agents, there is no guanrantee the best rate I'm looking for a housing loan for Seri Pajam Project. Please PM me for more details. The best rate gets my money! tried with all panel banks will do  |
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Oct 15 2013, 10:54 AM
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Junior Member
96 posts Joined: Feb 2006
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QUOTE(FortuneClub @ Oct 13 2013, 11:39 PM) there is no guanrantee the best rate Thanks man. So far I'm getting BLR - 2.4% for 400K loan. After asking around 5/6 bankstried with all panel banks will do |
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Oct 15 2013, 03:05 PM
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Senior Member
1,659 posts Joined: Feb 2005
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QUOTE(terence999 @ Oct 15 2013, 10:54 AM) Thanks man. So far I'm getting BLR - 2.4% for 400K loan. After asking around 5/6 banks Mind to share which bank and type of mortgage? |
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