Hi,

Does anyone know if its possible to refinance my home while I'm not around to do it personally?

Hi all agents,

Want to buy a freehold subsale apartment RM280k Setia Alam.
Net income after deducting loan RM4k.
CCRIS clean, no outstanding payment.
31 years old. IPTA lecturer.
Please advice interest rate and monthly installment.
Thanks.

Hi agents/ bankers,

I'm going to sign the booking form for 760k condo tomorrow. So I'm looking for a housing loan for a sub sale leasehold condo for 90%/ 25 years loan. This will be the 2nd housing loan. More info as follows,

Property type : Condo (Leasehold)
Build up : 1421sq ft
Completion : completed
Location : Opal Damansara, Kota Damansara
Current market asking price: RM750k-RM800k
Other : Renovated, furnished with air-con, built-in wardrobe, kitchen cabinet.
Offer price : RM760k
Loan Amount : 90% + Stamp Duty + legal (if possible)
Loan duration : 25 years
Full flexi/Semi flexi – Depend on your offer
MLTA/MRTA
Email : cnwong168@gmail.com

Please pm me for more details or send me an offer. Thanks.

Thanks. Which Bank will give 4.5%? I hope it is Islamic Loan.

Many thanks for both of you, will consider     

Hi Forumers:

I want to know when bank access loan of a businessman who do not file tax, do they give loan based on a really small percentage like 5% of  your monthly transaction.

eg. Say RM 100k then bank will access your income as RM 5k.

Please advice.

Hi,I m planning to get a first house, price 288k.
Salary  -.RM3850 (havent deduct epf).
Fixed Allowance RM340 (havent deduct epf).
Car Loan - RM 520 , left 34 months, every month pay ontime
Credit Card installment -RM 5000, left 10 months, no other outstanding, pay ontime  .
Will I get the loan approved?

Ya , credit card 5k, fixed installment , bout 500 per month for 10 month.
Is subsales property. Aged 31.

Wrong info again...

Hi,

Just wondering how much is the minimum income to entitled for 90% loan for a new house price at 680k?

Thanks.

Hi Madgeniusfigo,

The chances for 2person to get the loan will be higher right?
If one of them is currently paying for one house and shoplot will the chance to get 90% for this new loan become lower?
Any other way to get 90% besides than having credit card more than 6months?
Price of houses is so sky high now.. aih...

Hi Madgeniusfigo & life balance
Thank you alot for sharing.
Let me see what can be done.

Hi guys,

Would like ask if there's any way for me to be eligible for housing loan as I've just recently ventured on my own (sole prop <2 yrs, employment stopped 2014).

I've got no commitment at the moment, except CC usage which is paid promptly every month of that month's usage.

I've also got a low cost flat on rent under my old man's name.
Would the change in ownership help facilitate any loan?

Thanks.

That'd be October 2017...so there's no choice but to wait till then for housing loan then?

Did you meant the letter offer of the flat?

Sorry I didn't quite understood that as I'm currently looking to get a house within this year if possible hence am seeking some prelim advise first before jumping the gun with no lead to secure a loan at all.

Thanks man!

Haha, my bad if I did not coined it properly but yes, please advise if I'm eligible for any housing loans at all base on my circumstances.

Thanks.

Thanks for the response guys - madgenius and lifebalance!

I do have the tenancy agreement for the rental and the rent is remitted to my acc.

3-6 month is good enough for me too as opposed to a 2-yr wait

I shall furnish you guys with the necessary details soon.

Thanks again!

Hi Madgeniusfigo,
Thanks alot. Just wondering is the year good to buy house? Heard so many rumours of not buying in this year.

Dear Loan Agents,

I am planning to buy a new terrace house, which is currently under construction. Progress estimated to be more than 50%.

Kindly PM me to discuss further. Any bank will do

Thanks

Hi.. I already received bill from developer but it shows purchasers with 2 names.. I already inform developer that i want to cancel my wife names in the purchasers and i apply my loan using 1 names and snp also 1 name.. Is their any chance will effect my loan bank because of the 2 name purchasers?