Hi,

I have 2 mortgage currently, both with HSBC. Looking for either

1. Consolidating both into 1 loan, or

2. Converting one of them into non-mortgage.

ZEC/ZMC/FLD would be ideal.

The purpose is to obtain 3rd mortgage at above 70%.

Any advice would be good.

Thanks.

may I know how many days to know that loan submitted approved or not?
I already submit loan last week. Still not get any answer from the banks.

I know that CCRIS record effect to loan application
how if CCRIS record show like below

2018                                                    2017
aug jul jun may apr mar feb jan dec nov oct sep
0      0  0    0    0    0    0    1    1    1    1    1
is this CCRIS still got changes  to get loan approval?

tq

I know that CCRIS record effect to loan application
how if CCRIS record show like below

2018                                                    2017
aug jul jun may apr mar feb jan dec nov oct sep
0      0  0    0    0    0    0    1    1    1    1    1
is this CCRIS still got changes  to get loan approval?

tq

still okay

Hi,

I have 2 mortgage currently, both with HSBC. Looking for either

1. Consolidating both into 1 loan, or

2. Converting one of them into non-mortgage.

ZEC/ZMC/FLD would be ideal.

The purpose is to obtain 3rd mortgage at above 70%.

Any advice would be good.

Thanks.

Good afternoon,

1. your rate is way too high, at 7.4%, even without the need to cash-out, I may suggest to refinance just to save on interest. We can go through the numbers as long as you are comfortable sharing some personal info out in the open, I can show how much you are "losing" by paying that much amount of interest.

In general, every 0.1% difference between your rate and the best rate is RM100 lost a year. Which, I may add, why I think a fixed rate of 4.99% is a horrible deal because you are losing money hand-over-fist every single day that you are liable to pay that high interest rate.

2. What is the market value of the house? In general, you can get a maximum refinancing amount of 90% of the MV. So if your house value is RM200k, you can get 90% of that, which is RM180k. Deduct the balance of RM45k, and you will end up with RM135k. Of course, you can apply for less amount of cash-out, since it will increase your monthly commitment
Hi insurance agent, 

thanks for answering on my behalf 

Any could help? Thanks

Good idea to consolidate into 1 account, otherwise you'll not be able to obtain your 70% margin. AIA offers ZMC for refinancing and cash out

Hi all,

Just received reply from Maybank saying they cannot process my loan due to my house is under low cost project and market value still remain the same after 15 years?

Is this for real??

Already replied you. Tq
Yeap, banks have negative areas that they don't like to finance.

Any other suggestions for me to refinance?

anyone know or heard about "proses rayuan"?
my friend said his application under proses rayuan.
under what circumtances this can happen?

under appeal, which is normal if the rate is not satisfactory or other purposes.

for case under appeal, is it still possible to get approval?