I already inform the developer n snp lawyer.. Also i already make letter and sent to them.. Now i receive bill from developer and found out that my wife name is there.. Currently going to do 1st disbursement from bank..

Snp and loan agreement only my name..

Hi. I jz had my house loan approved by pbb but are unable to giv me offer letter yet due to their bank loan quota fulled and they will write a letter to appeal for higher quota. Does anyone face this before? The appeal success rate will high? Thanks

Hi thanks for the info. 1 more question, bank quota amount is by project or by branch or a lump sum quota shared by all branch regardless of project. Thanks

Hi dear banker, my friend is looking to buy a new launch project (1st house) at around rm555k, so 90% is RM499,500.

She is doing sales, so is basic+commission, just joined 5 months only, her income is around:
1st: 2600
2nd: 2600
3rd: 2600 + 4650 comm
4th: 2600 + 6100 comm
5th: 2600 + 4100 comm

I heard the bank can accept 5 month payslips and divided by 6.

She was told by RHB for loan at 4.4%, not sure is flexi or what...

Commitment around RM600 for car only. CC o/s around rm1k.

So the question is:
1) RHB take how many percent for commission income? 80%?
2) Max DSR for her case. 70%? Because average by 6 is around rm4k+..
3) Is she eligible for the loan at 35 years?
4) If her loan got rejected due to dsr, can she appeal after 1 month with 6 mth payslips? Will the unit booked being release to other buyer?
Many thanks!!

Thanks, maybe she have to skip the project or get high floor unit because already 1 mth after the project launched haha..

Thanks for your advice.

5a. 1st is the first working month
5b. Yes, because the commission is paid after 2 month, so the sales she hit on first month is paid on 3rd month and so on..
5c. Nope..only saving..
5d. Last time she told me, but can't recall now..will ask her later.
5e. Her loan is RM39k, 7yrs, haven't include the interest yet.
6. Oh, got bank can take the latest 3 month? (Because latest 3 month have commission)

Many thanks.

Hi.. need help from expert on the following complicated case:

First house S&P under husband and wife, Loan under husband
Second house S&P under husband and wife, Loan under husband and wife

Want to change to :
First house S&P under wife, loan under wife
Second house S&P under husband, loan under husband

   1. What is the cheapest & easiest & fastest way to do this? Anyone can help me?
   2. There's love & affection transfer which allows exeption on stampduty?
   3. Is it possible to do transfer name first or need to do it together with loan application?
   4. Who should i approach, directly to bank? Will it be cheaper to use back the same loan from same bank, or change bank?
   5. Husband cannot afford to take the full loan of second house, unless the loan of his first house is transferred to wife, so we need to follow sequence, wait until first house settles, only do second house?

   Thanks

Hi Loan Agents/Bankers,
Will be handing over the deposit money next week for a 600K++ DS house in Nilai Impian. Unit is under construction. Would like to shop and gauge my ability to get a loan for the unit. Issue is I'm just back in Malaysia after working abroad for coupke of years(although it is still with the same company), hence credit references such as past EA etc would not be available.

Can anyone help me out and see where we will go from thereon? Would like to seek a financier with minimum papper work and hassle. TYIA

Need advice.

1. Can non citizen be my guarantor for house loan in Malaysia loan lower than 500K?
2.  Any help on parent pass retirement age to become a guarantor even if she still working?

thanks

2. Have income but already pass retirement age. ( mean still working even after retirement age) still a no?

the question is: will it help? income lower than mine. if not much help no point to put in right..

need an advice here,

1st property - S&P and loan under wife name,
2nd proeperty - S&P and loan under husband name,
3rd property - S&P under husband n wife name, loan under wife name

4th property - S&P under husband n wife name, trying to apply loan under husband name - will the bank only allow 70% ? if still 90%, will the bank lower the score and take into account of the husband being named in the 3rd property S&P?

TIA

Hi,

Would like ask how much housing loan is my wife eligible for.

She has been working w/ GLC company for almost 2 years now since May 2014.

Monthly commitment, only car (rm480) which is paid promptly every month

No other commitment at the moment.

Do housing loan need guarantor? I have no idea as this is my first time applying for loan by myself.

As for me, i'm not sure if i'm eligible to become my wife's guarantor or not. I have S&P and loan for 1st house, under me and my father. Car loan. Personal loan. ASB loan. and 1 more loan recently under me and my brother which i'm not sure for what.

Thanks.

My home loan is 4.7%, loan amount less than 250k. Is this a good offer?

Bank officer said now, many people get more than 5%. So,my offer is good? Really?

Bank said if I try many banks, the rate will increase coz they can track using cris. Is this true?

Can target 4.6% for a less than 250k loan?

How to appeal?

Hi,

I got  RHB Refinance Home Loan beginning of the 2014. Can I get refinance from RHB again to get higher loan amount and extend the repayment tenure? Or get the OD facility? What documents it need?

Details-
Johor Property value 300k
Loan amount RM210k
Tenure 20years

hi guys,

Do you know for Semi-flexi mortgage loan, can we put in extra $ into the loan account during construction phase (usually first 2 years, disbursements still ongoing) to reduce the daily/monthly rest calculation?  Or it depends on the banks where some allow, some not?

Thanks in advance.