How is the Maybank Full flexible HOME loan s during. This period? I would like to continue pay during this period.
How to I FIND OUT / know?

Thanks.

Contact Maybank

Fail to contact Maybank after many attempts

Hi there, anyone can give me advice on which housing loan to take?

Bank A: BR 2.52% + Spread 0.63% = 3.15% (MRTA)
* MRTA cover half for BOTH applicant for 3yearrs(under construction) + 22years and also cover RM50k for 39 critical illness for 15yrs cover for BOTH

Bank B: BR 2.75% + Spread 0.55% = 3.30% (MLTA)
* No monthly maintenance fee
* No withdrawal charges
* No capping on savings
* MLTA covers both applicants and maintains 100% sum assured at RM530k for 30 years

Both are 35years tenure. Which bank is better?

Hi ambank banker asked me how many years of mrta I'd prefer to take, can anyone advice? The property is for own stay for at least 10 years.

replied in another thread.

Hi sifus,

I'm working on the monthly interest payment calculation to determine what is the interest amount I need to pay according to the Schedule H. Currently it is still under contruction stage.

Developer is giving 7%+5%+1%+9k rebate. So the rebates can fully offset the D/P and partially for stage 2a.

Let say loan interest is 3.4% p.a.

Is it correct to multiply the total amount bank released to developer (principal) in each stage by the interest rate 3.4% and divided by 12 month, and thats the amount I need to pay monthly during the contruction stage?

Thanks in advanced

Hi. Can someone let me know what are best mortgage deals out there at the moment? Can pm me so it doesn't interfere with the flow of this thread? Thanks

I have tried to apply loan for 3 banks but only ambank approved my application

Loan amount: 486000 + 18658 (mrta)
Loan tenure: 35 yrs
Interest rate: 3.55%
Monthly installment: RM2101
Sum insured 100%, cover for 35 years
Spa and loan 1 name only.

Ques
1. The interest rate is abit high so I wanted to try out pbb but SA advised not to do because she say pbb always got late disbursement issue?
Any concerns eg late interest charge?

2. Since loan already approve can I still make change to the mrta insured value? (reduce coverage years to lower monthly installment)

Hi sifus, if I just started working and plan to apply for home loan in a few months time, do I need to provide min 6 months bank statement as one of the required documents? And if I have low EPF balance and no income tax statement for last year (since I was unemployed), will that affect my application? Assuming my pay for the new job is gross RM8k+.

Also does the bank look into the company that I work for, like nature of business or stability? As I'd imagine MNC is stronger vs a startup.

Mainly bank will request for 3 months pay slip of current company + additional 3 months of previous company pay slip to justify your income range and jobscope.

Then, system will conduct a scoring assessment to determine if you are favorable/least risk to the bank.

Of course MNC carry the weight but also subject to the nature of business of MNC.

Any bankers out there ? need to enquire on a loan package pm me tq. Want to cross check on me and my partners loan amount for sub sales property and chances of obtaining a loan at this period of time.

Hi everyone, how can i ensure my loan amount eligibility? I check online with home loan calculators? How accurate is this information?

I dont want to go shopping for a RM800k-RM900k property when bank only going to allow me to take loan of RM500k.

Appreciate any assistance.

Age
Gross pay
Nett pay
Rental income
Bonus 2017 2018 2019

Commitment monthly and outstanding balance
House
Car
Credit card outstanding
Personal Loan
PTPTN

Provide me the above detail to check

Age

(Salary/Commission earner)
- Occupation
- Years of employment in current company
- Monthly income (Basic, Fixed/Variable Allowances/Average Commissions in 6 months)
- Lastest 2 years income tax declaration (For commission earner only)

(Self employed)
- Sole prop/partnerships/Sdn Bhd/LLP
- Years of establishment of company
- Average 6 months credited amount in company bank statement
- Lastest 2 years income tax declaration

- Monthly banking commitment
a) Housing loan
b) Hire Purchase
c) Personal loan
d) Others term loan
e) Credit card total usage (estimated amount)
f) PTPTN loan

- Supporting document
1) Rental income
2) Bonuses
3) Savings/FD
4) Shares
5) Dividends
6) Others

Done pm

Done Pm

Do you guys know which bank offer the best rate or promotion?

PBB, MBB, CiMB, SCB

Current lowest package is PBB, followed by MBB, RHB