quite high

Noted, thanks. Will go ahead with Alliance (if approved) since HLB, UOB turn down my application.

No choice as other banks not approved. Now pending Alliance only.
Differences per month loan payment extra RM37 per month compared to 3.00% rate

Hi bankers (prefer banker not outsourced mortgage broker),

Pls contact me for my Condo in JB to refinance.

Market price of the condo is >700k, fully paid unit and wanted to refinance.

Pls contact me https://bit.ly/31wBP2M for details.

Thanks
Vincent

[deleted]

This post has been edited by qwert098: Nov 3 2020, 06:20 PM

Any banker from pbb?

Looking for 800k mortgage

Hi sifus,

Im trying to finance an investment property (120k), my net 3700+, allowance not really fixed (at least 200), been working for 2+years. Credit card (clear off every month) left with PTPTN, no car loan.
Hoping for is a full flexi (no cap if possible), can foot the upfront 10%, roughly what % of interest rate am i looking at?
Im working for a SME so probably not much help, i just wanna to get a lowest rate possible to maximize my return on the property. (if co sign able to reduce the installment i can add a person in too)

I saw from the bank negara website listing the BR for maybank is 1.75 but curious why no ppl over here mentioned much about loan from maybank?
Thank you in advance.

because maybank loan not easy to get approved. For 120k loan amount, the rate is close to 4%。 Due to loan size amount, bank try to maximize their profit margin as well.

May I know your monthly installment for PTPTN loan as well as your age. Max loan tenure is up to 35 years/70 years old (whichever come first)

How long you have been working in current company and what's your current position?

Doesn't look like a problem to me since you don't have much debts

120k loan interest is higher since it's a lower volume for the bank. Can go as high as 4%

about 300, 1Y+

OIC was hoping for smth like 3% tyvm tho

Well DSR should be within guideline. Rate should be around 3.90%

I planning for a joint applicant loan. However my partner ptptn loan owing 20+ months. Is it better to settle it before sending in for loan application?

Hlb banker said shouldn't be any problem but maybank request her to settle it

Have to settle if you want to proceed

Either restructure or full settlement before you proceed application. Do provide the settlement letter and receipt of payment to banker as proof.

Is depend on the property market value. If margin of finance is less than 80%, then ur loan interest offer to 3.22%.

Fully flexi? 3.22?

[quote=Danielwcy,Nov 13 2020, 01:21 AM]
Hi sifus,

Im trying to finance an investment property (120k), my net 3700+, allowance not really fixed (at least 200), been working for 2+years. Credit card (clear off every month) left with PTPTN, no car loan.
Hoping for is a full flexi (no cap if possible), can foot the upfront 10%, roughly what % of interest rate am i looking at?
Im working for a SME so probably not much help, i just wanna to get a lowest rate possible to maximize my return on the property. (if co sign able to reduce the installment i can add a person in too)

Can anyone give me the rate for semi and full flexi rate for the above ? Thank you very much.

Is semi flexi loan, no cap on interest saving. No monthly fees charges.

Hi all sifus,

My question as below:
Do you have sample of milestone for overall
Property: Single Storey Semi Detached House buildup area 1275sqft, 387.7sqm land area.
RPR Batu Kawa, Kuching, Sarawak.

1. Housing Loan process,
2. Housing Development Corporation, Jabatan penilaian status update,
3. Land and Survey department process,
4. Renewed land title to 2080 (60 years Tenure),
5. Sales and Purchase Agreement process,
6. Bank Agreement process,
7. Bank release payment to seller process,
8. Transfer of property name to new owner,
9. Utility, Sesco, Water board, Majlis Perbandaran Padawan assessment,

Thanks