Might want to buy a propertty, however concern on the price, any agent can help on this apartment SD Apartment 1, bandar sri damansara, kl, 900sq ft, basic unit. Asking price rm230k....bank valuation???

I was told it was still under master title, it has been 10 years old, something wrong? Any banker got cases and advise???

this case can be done by HSBC,Public Bank and CIMB bank

Have purchased a new condo in KL, looking for no-obligation loan offers. Loan amount is 900K +/- and looking at 30 years tenure.

No MRTA needed, only considering full flexi offers.

Agents who intend to contact me pls drop me a PM with the following:
1. Rates
2. Lock-in period
3. Monthly fees
4. Bank
5. Any other terms and conditions
6. Official email address as well.

More info will be released via email then.

Thanks.

This post has been edited by xtracooljustin: Oct 16 2013, 12:10 PM

Hi
I am looking for remortgage for bungalow house in Ipoh : on 6300 SQ feet land.
Free from encumbrance (fully paid) . Purpose of remortgage is debt consolidation .


Riz

This post has been edited by neutro: Oct 18 2013, 04:11 PM

Hi, I am looking for housing loan for a condo in shah alam, buying price RM 360K, MOF 70% (third property). I wish to have a best rate offer of less than -2%. Please pm me, thanks.

Hi,
My current salary is 2.5k and am 25 years old. May I know the maximum loan I can go for?
Thanks

Hello,

I am looking for housing loan for bukit antarabangsa condo. If there is any bank provide loan for this area do contact me at, mrupai@yahoo.com .

Thank you.

Hi Bankers,
Please advise me what is the maximum loan and best loan packages that I can get for details as below;

Joint application:
Husband age: 38
Myself age: 33
Joint net salary: 6000 (Can I add with bonus?)
House purchase price: 650,000
Type: Brand new Freehold 2 storey house
Size: 22 x 70

Current commitment:
Joint housing loan: 1650
Myself car loan: 824

Am I eligible to get 90% MOF?
Thanks.

Please PM.

Hi,

I'm looking to buy a property but i only changed job recently for about 3mths. Will bank lend me money? i'm looking to borrow around RM1 mil but i've good credit history and working in a bank currently.

This post has been edited by saab900: Oct 21 2013, 04:20 PM

Its a underconstruction if im not mistaken, thus they are having their project rate based on the developer profile/consent .

Yes you are able to get 90%, bonus can be added in but will be calculate based on average

Whats the name of the project & developer company name

Let me check whether any special rate has been given for the buyers

Cheers

Since you just had a job hopping, bank will definitely reduce your rating

But however it can be justified and mitigated

May i know you are borrowing 1mil for what purpose ?

For a landed property. the property is around rm1.15 million. I've very little commitment so far even adding up my credit cards are around 3-4k per month. So working backward, how much i need to earn to get RM1 million loan?

This post has been edited by saab900: Oct 21 2013, 05:02 PM

Hi Guys,

I'm currently earning 11K for gross salary, monthly commitment, 1 housing at RM1000, car loan at RM1100 and I have total 5 credit cards (thanks for all those bank where you apply for 1 and they will give you 2 cards together)

House property buying at RM600,000. Paid the 10% ady. Applied for more than 3 weeks now but still cant get it approved as in no feedback from agent. The house is around 80% complete based on what the developer mentioned.

Is it because of my credit card? I think I have quite a fair bit (~RM15K) of credit card balance...but i've being paying up on time and definitely not minimum amount...another thing is that last time i did a 10 month installment payment for an iMac..is this currently bringing me down?

Regards,
Zul

Nett pay more than 7k, the higher the better.

Please let me know the name of the project as well as the developer company name .

For your info, you shud ask your loan agent coz they have a clearer picture.

Have them inform you any status yet ?

Whatever you owe inn credit card will be your commitment, the way to calc is credit card outstanding x 5%

Cheers

that's why 80% completed... there will b alot of procedure for banker to justify, example cf or more.... mayb ur banker is not experince enuf for this field...

No problem. Can u brief me your commitment and your income. I calculate for you see whether u eligible or not. What's ur number?

I'm Eric liaw from rhb

any senior and experienced alliance banker here? I would like to ask some questions. Kindly PM me. thanks

pmed u

Hi
I have an existing housing loan with OCBC
I need to apply for Renovation loan or Home Extra with OCBC
Any sales rep / Agent for OCBC can assist?



This post has been edited by neutro: Oct 25 2013, 12:16 AM

I'm also still not really understand about this RnR loan.
Hope OCBC agent can give a head up.

Does this RnR loan will have the same account with the home loan?

Does it need a prove of the renovation?, as I see on its brochure, the loan can directly debit into the saving account. Plan to buy some house appliance too.

The facility will be shown on Ccris as Personal Loan collateral code. The interest is lower than personal loan.