Hi

75% commitment cost includes credit card outstanding amount, hire purchase instalment and any tied-up bank costs which u have to pay monthly.

You can pass me the complete documents for me to apply and process everything whether you succeed apply mortgage loan.

Actually, it depends on customers whether they want approach developer to help u do or other mortgage consultant do. Of coz if you want me help you do and apply loan, it is my pleasure as I work as RHB mortgage consultant. I do my job to serve the benefits of customers and their clear understanding of the mortgage loan.

If you interested to find me and help u apply and process loan application, it would be my pleasure. But first I need arrange an appointment to meet u to explain. However, if you wish to apply RHB loan service, I can help you

Still, it is your choice to choose either developer, other banks consultant or me to help you:) I hope I can convince you to trust my RHB service provided to you if you interested.

You can contact me 017-9897887 for further discussion.

Many thanks.

Warm regards,
Chin
017-9897887
PJ RHB branchIn order to calculate your outstanding credit card in your total commitment cost, u have to include total outstanding balance of credit card plus 5% of that outstanding amount.

Should you interested to apply RHB mortgage loan, we can arrange an appointment to meet so that I can process for you whether u can succeed apply the loan amount after collect complete documents.

We can meet at KL and Selangor area if you interested based on your convenience:)

Warm regards,
Chin
017-9897887
RHB PJ BRANCH

Hmm what do you mean that it have to include outstanding amount and plus together 5 percent? Means like say I hutang rm3000, and car loan 500 per month and the new house installment is 2000. Then the monthly commitment the bank will count is 3150 + 500 + 2000 = 5650? Then my net pay must be 7533?

Is the 75 percent different for professionals ? I heard my friend say add 10 percent if is professional, is it true? If yes, what profession is considered under professional ?

Hi all. Want to ask. I want to refinance a property still under master title. I have sent my application to rhb. It was rejected on grounds thedeveloper is blacklisted.

I checked in kpkt website. The developer was listed under projek sakit last year. But in the latest list the name of the developer is no longer listed. I checked under other categories e.g no licence, didnt pay compound n other categories, the name is not listed. I even had checked the dev name in ctos, its clear.

But, i checked in kpkt website n search the dev name in the idaman system, it states the dev is blacklisted. But it did not state y. So now, want to ask any loan officers who have expirience in this kind of case to advice me, what i can do to overcome this problem.

Thank u

Hi, thinking to refinance my shop loan (around 500k), any banker can help?

Currently submitting Alliance Bank and UOB, prefer fully flexi...

Please PM me.

Hi

This is because credit card is not a monthly repayment and is a lump sum debt with interest rate. 5% is computed as estimated interest rate.

Ur computation is right in order to estimate the commitment cost.

If u interested to apply mortgage loan, i can help u apply the rhb mortgage loan based on ur complete documents and i can explain de details. We can arrange appointment to meet each other as well

I can help u check the mortgages rate based on property value too.

Many thanks.

Hi

There is no factor differentiate profession. Only to ensure whether youare salaried worker or self employed:)

Hi, for shop loan you can apply RHB commercial property financing. As you want to apply 500K loan, RHB offer BLR-215% with MRTA or BLR-2.10% without MRTA. If you interested to apply RHB loan mortgage, u can contact me as well as I work as RHB Direct Mortgage Sales Consultant.

Thank you.

Warm Regards,
Chin
017-9897887

i need advise from someone experienced here.

i declared two incomes total about total RM7,000 monthly, car loan about RM10xx , gonna finish after three years.

i saw a high end condo priced about RM1.2million and very interested to buy. My parents can support me yet I am not sure if I can get loan for the condo ? My declared income has just increased from RM3k to 7k last month only. Do you think the bank can approved me?

Does guarantor really helps a lot ?

Hi bankers, kindly contact me with your offer.

Our (Me and my gf) combined salaries about 11k.
We are interested to buy an under construction property in Kulai, Johor which cost around RM450k.

Location : Kulai, Johor Bahru
Project : Kulai - Summit Park Homes
Developer : IOI Properties
*Buying it from seller.

We are thinking what's the value of the said property in the eye of the bankers and whether we can actually apply for housing loan up to 90% (or more).

Please do PM me to make your offer on my housing loan with quotation for 30 years or max tenure.

Anybody can help me?
My brother wants to buy a car..
He wanna use his name for the loan but me as a guarantor.

Let's say his hire purchase is approve., then suddenly I wanna buy a 2nd property in the next month, apply for housing loan, will it effect me or in my Ccris report. Bank usually sees this?

Dear Bankers

Thinking of refinance / top up loan, but
Is refinance / top up loan still subjected to maximum 10 years loan tenures for cash out portion?

Thanks

Hi Guys,

Just some questions on mortgage loans as I am currently trying to plan my finances. After selling my property I have made about RM160K nett which is currently in FD.

I am currently eyeing another property - but after selling my previous property, I no longer have the additional rental income to supplement my monthly salaried income.

My questions-

(i) Does income in FD (assuming put in one yr FD) count towards my income for bank loan purposes? For me it works out to about 3.5% of RM160K, which is about RM5K+ per year.

(ii) How is DSR calculated? Based on gross or net income? i.e. when you mention 75% DSR - it is 75% monthly commitment on the net income right?

(iii) My gross salary from employment is about 5K plus, what kind of DSR should i be subjected to? My net salary however falls below 5K.

(iv) Do certain professionals (i.e. accountants, actuaries etc.) have an additional 10% added to their DSR limits?

(v) How do banks view bonuses (i.e. performance bonuses)? My company pays out up to 40% of the salaries in the form of bonuses, so my average bonus is around 6 months per year for the past few years. As it is part of the EA Form, do banks take it into account as part of DSR calculations?

Thanks.



This post has been edited by seruling: Mar 27 2014, 10:00 AM

Hi, I from sabah, i looking for banker who can help me with this
http://www.mhland.com.my/project/aman-sari/lofts/
price 295,050.00

My problem is like this, previous i going to apply another house loan with AMBANK, they say can approve untill 330k with my qualification
ok

but ambank not the panel for this project
so, we going to try Maybank, public bank, RHB
only publicbank approve we 85% (with offer letter now)
other bank totally not approve, not sure why

so anybody want have a try? from maybank pbb and rhb
pls contact me, as i am really urgent!! the booking date about expired

Hi people,

Am looking at a condo around RM1mil but am not sure how to go about securing that housing loan. Advice and offers welcomed, thanks

Hi,
I am MBB banker,

Yes, top up loan is 10years tenure if your DSR is more then 70% with nett income more then RM3500.00.
However, In MBB we do offer longer tenure on top up loan if applicant DSR lesser then 70%, top up tenure can up to 35years/70years old(professional) and 30years/65years old which ever come earlier.

If applicant top up on existing MBB housing loan, up to original loan amount, top up tenure can be up to 35years.

Dear Bankers,

Need some advice from u. My bf and I are planning to buy a property, however, my bf has just changed to new job and still under probation. Will this affect us in getting a housing loan?

above are from HSBC guideline, it may not apply to other banks' policy

if your bf new job is the same line with previous job? if yes, it has no problem to get the loan from HSBC

if you are the guarrantor, it wont affect your CCRIS

not many banks allows for guarantor, only allow 3rd party joint name.

if your gross is about at 7k, it was hardly to secure a loan.

solution: get someone joint as co-borrower

just wanted to enquire .....no real deal yet
assuming 9k gross salary....what is the maximum loan amount / monthly mortgage instalment eligible ?

Gross salary doesn't mean much when apply loan.
Net salary is more important.

Debt-credit ratio is most important.

Hi all,

Got a few questions.

1) Can anyone let me know how the DSR is calculated? I know it is based on NETT income but does it apply for ALL the banks? Do some banks have their own rates? Anyone knew the DSR rate for Ambank and Public Bank respectively?

2) If I am planning to buy a new property that is currently under construction (70% completed), can I apply loan at banks OTHER THAN the panel banks? The developer is offering free legal fees, free stamp duty and free this and that. There used to be DIBS but now converted to extra rebate since it has been banned. If not a panel, that means cannot apply?

Thanks.

1) commitment/nett income. yes, ask the banker.

2) normally no, but u cn call and ask

Hello fellow bankers.

Is is true the banks do not give loan the individual with CCRIS record of less than a year?