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 Mortgage Loan Package Inquiries v2, Loan agents pls read the 1st post!

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GreatFriday
post Dec 9 2018, 02:42 PM

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QUOTE(lifebalance @ Dec 9 2018, 02:15 PM)
chances of loan interest rate to go below 4% is highly unlikely.

If 0.03% doesn't matter much to you then choose whichever you have preference.
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Thanks for your comment!
homerthewhopper
post Dec 10 2018, 08:55 AM

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Is it possible to negotiate profit rate for a house loan in Malaysia?
lifebalance
post Dec 10 2018, 09:56 AM

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QUOTE(homerthewhopper @ Dec 10 2018, 08:55 AM)
Is it possible to negotiate profit rate for a house loan in Malaysia?
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you can appeal for a lower rate before the letter offer is generated, not after.
homerthewhopper
post Dec 10 2018, 10:34 AM

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QUOTE(lifebalance @ Dec 10 2018, 09:56 AM)
you can appeal for a lower rate before the letter offer is generated, not after.
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Okay noted thanks 👍 👍 👍
LTG
post Dec 11 2018, 11:57 PM

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any good house loan for refinance waived stamping fees?
lifebalance
post Dec 12 2018, 11:49 AM

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QUOTE(LTG @ Dec 11 2018, 11:57 PM)
any good house loan for refinance waived stamping fees?
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stamp duty is compulsory.

You can offset it with zero moving cost packages
deckhand
post Dec 13 2018, 02:53 PM

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Anyone knew banker from Public Bank that giving a good service and fast response?
kevyeoh
post Dec 16 2018, 05:08 PM

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Location?
QUOTE(deckhand @ Dec 13 2018, 02:53 PM)
Anyone knew banker from Public Bank that giving a good service and fast response?
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juanlamb
post Dec 16 2018, 07:28 PM

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curious if i work oversea , but i wanna buy property in malaysia , how much loan can i get , roughly 18.5k rm monthly . i have no money coming into malaysia so far

thank you sifus
juanlamb
post Dec 16 2018, 07:32 PM

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curious if i work oversea , but i wanna buy property in malaysia , how much loan can i get , roughly 18.5k rm monthly . i have no money coming into malaysia so far

thank you sifus
Lina94
post Dec 17 2018, 10:08 AM

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Hi sifu, may i know what are the best interest rate for 90% of home loan for house price RM198,000?
lifebalance
post Dec 17 2018, 10:34 AM

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QUOTE(juanlamb @ Dec 16 2018, 07:28 PM)
curious if i work oversea , but i wanna buy property in malaysia , how much loan can i get , roughly 18.5k rm monthly . i have no money coming into malaysia so far

thank you sifus
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Malaysian ?

Country that you're working in ?

QUOTE(Lina94 @ Dec 17 2018, 10:08 AM)
Hi sifu, may i know what are the best interest rate for 90% of home loan for house price RM198,000?
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4.6% - 5%
juanlamb
post Dec 17 2018, 11:24 AM

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QUOTE(lifebalance @ Dec 17 2018, 10:34 AM)
Malaysian ?

Country that you're working in ?
4.6% - 5%
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malaysian in uae
deckhand
post Dec 17 2018, 11:35 AM

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QUOTE(kevyeoh @ Dec 16 2018, 05:08 PM)
Location?
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House in Kedah, my current location at KL
lifebalance
post Dec 17 2018, 02:03 PM

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QUOTE(juanlamb @ Dec 17 2018, 11:24 AM)
malaysian in uae
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can

QUOTE(deckhand @ Dec 17 2018, 11:35 AM)
House in Kedah, my current location at KL
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can
yct2853
post Dec 18 2018, 12:43 AM

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Hello, could you please help me to check how much can I borrow from banks to buy a house? And also how likely I can get the loan approved by the Banks?

Introduction
I'm 34 years old. I work for a company as an interior designer. (sdn bhd) about 4 years now and only taking allowance (usually at least can get RM2,000 per month), no basic salary, no EPF.
I am also a sole proprietor (10 years now, video editing business)

Latest 6 months income statement (rounded up for easy calculation)

Income from the company (sdn bhd) (got payment voucher given by the company)
Jun - 6000
Jul - 6000
Aug - 4500
Sep - 2000
Oct - 3500
Nov - 0

Income from my business (sole proprietor)
Jun - 3000
Jul - 4000
Aug - 2500
Sep - 8000
Oct - 8500
Nov - 6500

Monthly installment
RM1800 (car loan)

Extra info
- First time house buyer
- I don't have any credit card
- I do self contribute EPF: between RM600 to RM1000 (depends on how much extra cash I have in hand)
- Got RM25,000 in FD account
- Year 2017 borang B: Total Income 47,000 / Chargable Income 34,000


Thank you.

This post has been edited by yct2853: Dec 18 2018, 01:18 AM
lifebalance
post Dec 18 2018, 10:51 AM

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QUOTE(yct2853 @ Dec 18 2018, 12:43 AM)
Hello, could you please help me to check how much can I borrow from banks to buy a house? And also how likely I can get the loan approved by the Banks?

Introduction
I'm 34 years old. I work for a company as an interior designer. (sdn bhd) about 4 years now and only taking allowance (usually at least can get RM2,000 per month), no basic salary, no EPF.
I am also a sole proprietor (10 years now, video editing business)

Latest 6 months income statement (rounded up for easy calculation)

Income from the company (sdn bhd) (got payment voucher given by the company)
Jun - 6000
Jul - 6000
Aug - 4500
Sep - 2000
Oct - 3500
Nov - 0

Income from my business (sole proprietor)
Jun - 3000
Jul - 4000
Aug - 2500
Sep - 8000
Oct - 8500
Nov - 6500

Monthly installment
RM1800 (car loan)

Extra info
- First time house buyer
- I don't have any credit card
- I do self contribute EPF: between RM600 to RM1000 (depends on how much extra cash I have in hand)
- Got RM25,000 in FD account
- Year 2017 borang B: Total Income 47,000 / Chargable Income 34,000
Thank you.
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can only loan 170k
yct2853
post Dec 18 2018, 11:38 AM

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QUOTE(lifebalance @ Dec 18 2018, 10:51 AM)
can only loan 170k
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Thanks, can you please share a bit what is the main reason that the loan amount is so low...
lifebalance
post Dec 18 2018, 11:59 AM

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QUOTE(yct2853 @ Dec 18 2018, 11:38 AM)
Thanks, can you please share a bit what is the main reason that the loan amount is so low...
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income tax declared as 47k yearly only
yct2853
post Dec 18 2018, 01:15 PM

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QUOTE(lifebalance @ Dec 18 2018, 11:59 AM)
income tax declared as 47k yearly only
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I see. Thanks.
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