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

Lina94
post Yesterday, 10:08 AM

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Posts: 21

Joined: Mar 2018


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

Life & Mortgage Planner
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Group: Senior Member
Posts: 5,994

Joined: Nov 2014

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 Yesterday, 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 Yesterday, 11:35 AM

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Group: Junior Member
Posts: 19

Joined: Nov 2016
QUOTE(kevyeoh @ Dec 16 2018, 05:08 PM)
Location?
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House in Kedah, my current location at KL
lifebalance
post Yesterday, 02:03 PM

Life & Mortgage Planner
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Group: Senior Member
Posts: 5,994

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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 Today, 12:43 AM

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Group: Newbie
Posts: 0

Joined: Aug 2014


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: Today, 01:18 AM

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