may I know how many days to know that loan submitted approved or not?
I already submit loan last week. Still not get any answer from the banks.

I know that CCRIS record effect to loan application
how if CCRIS record show like below

2018                                                    2017
aug jul jun may apr mar feb jan dec nov oct sep
0      0  0    0    0    0    0    1    1    1    1    1
is this CCRIS still got changes  to get loan approval?

tq

Any could help? Thanks

Good idea to consolidate into 1 account, otherwise you'll not be able to obtain your 70% margin. AIA offers ZMC for refinancing and cash out

Hi all,

Just received reply from Maybank saying they cannot process my loan due to my house is under low cost project and market value still remain the same after 15 years?

Is this for real??

Any other suggestions for me to refinance?

anyone know or heard about "proses rayuan"?
my friend said his application under proses rayuan.
under what circumtances this can happen?

for case under appeal, is it still possible to get approval?

what is the rate for mortgage loan now ?

hi all...
anyone have experience bank asked for supporting document? eg:  saving
and how if we cannot give that supporting document?

Is it true banks do not want to process loan for lorry driver? Because salary based on trip.

Hi All,
I'm first time home buyer
I'm intrested on property which nett price at 462k
My current comitment is 2600 and nett salary 6400
ASB loan inclusive in my comitment but I've about 90k cash in ASB, will bank take it as part of my comitment?

29

Hi I have some questions about mortgage loan,
1. I am looking for second mortgage loan, will it be more difficult to apply?
2. My first mortgage loan is a joint name property total of RM2400 monthly, how does bank assess my second mortgage loan? Will the RM2400 commitment divide by 2?
3. I only have 2 months payslip since i just changed to my new job lately, is it sufficient to apply? if not, what kind of support documents will help?
4. My nett income is roughly RM6100, what is the maximum eligible loan amount?
5. Which bank provide the best rate and what rate is it?

Hi, I’m a 1st timer in buying a property. Now in process of getting loan.

I apply with Maybank and was offer 4.5%, but banker call me last minute saying that the rate offer 4.5% is with MRTT taken, they’ll offer 4.75% if with MLTT.

I just want to make sure is this a common practice by banks? What is actually the current rate for Maybank (or any other banks)?

Thanks.

Hi, can help calculate my possible max loan amount?
Age = 28
Gross Pay = 7200
Nett pay = 6100
Rental Income = 0
Bonus 2015 2016 2017 = 0

Monthly Commitment and Outstanding Balance
House = 2317 (2 person)
Car = 0
Credit card outstanding = 0
Personal Loan = 0
PTPTN = 180

Thank you very much

hi ...
public bank just approved my application yesterday (9/11/18).
but they only offer MOF 80%
i request for rayuan up MOF to 85%.

my question, is there any due date for customer to give answer to bank either to accept or not the offer.

i also waiting for affin, if they can offer me better.

Hi, first time house buyer looking for mortgage loan.
Property price: 265,000
Tenure: 30 years or 25 also can. Prefer semi flexi
90% loan
Age 28
Rumah Selangorku project
Paid 5000 booking fees

May I know what's the interest rate for my request?

If need more info can pm me.

Thanks in advance

First time I heard MLTT and just Google it ... so this one is under Islamic loan only can get MLTT? what is benefit of MLTT  compared to MRTA?

Hi,

If I have a Special Attention account in my CCRIS.

But it's already settled, and Bank has provided the settlement letter.
Any chance Bank will consider my Application for Property Financing?

Hi all..

Would like to ask.. I'm going to apply for housing loan/mortgage. Got an offer for Rumawip. Property price 198k (downpayment 10%).
My profile:
30/male
Net income: RM 3467 *after all deductions*
Liabilities: ASB loan RM 571(100k loan since 2015), car loan RM 364, credit card - limit RM 5000 (rarely used & always paid full ontime - usually RM 250/month if any)

What is the best plan for me (banks, interest rate, margins,instalments etc) and if possible I'm keen on getting MLTA/MLTT instead of MRTA/MRTT. Thanks.

Hi sifus,

I already booked a property and paid 10% deposit.
To improve my dsr, im planning to make a full settlement of my pl (monthly rm1k/outstanding balance rm14k) by applying another pl with longer tenure and lower monthly commitment (rm300).

Question is, will this new application of credit facility affect my mortgage loan application?

Thanks in advance.

Question! If I can't make the minimum payment next month for my home loan (RM1900) but want to at least make a RM1000 payment, will it affect my credit score/CTOS score and my record with the bank?

Or I must make the full payment without fail.

Thankyou so much for ur reply.

Since my mortgage banker said he only needs the receipt of my first pl in order to proceed with my mortgage loan, I plan to apply the 2nd pl and straightaway fully pay my 1st pl (went to check with rhb easy they claim the disbursement is on the spot).
I wonder if it gives bad remarks to the banks when they find out i make so many transactions in a day (apply 2nd pl -> settle 1st pl -> apply mortgage

Hi, does anyone know any bank that would recognise high percentage (like 80%) of commission earners’ average monthly income regardless of the comm deviation?

Eg.

Average income for 6 months = RM6,000

Recognise 80%, RM6,000 x 80% = RM4,800

Quota for dsr, RM4,800 x 70% = RM3,360

How's the approval rate for someone who is a single 24 years old with working experience less than 2 years and gross salary 3k. Buying house worth about RM300k with RM100K DP (RM200k loan). Good CCRIS record (no missed payment) credit card and hire purchase borrowings. Current DSR is 22% being mostly hire purchase but will be fully settled in 4 months.

I work as property agent, the monthly comm highly deviated, so if deviation more than 20% then the bank terus dont wan do?