The bank will find out. I am very sure the bank can find out all your CC debt.

The point for you to disclose all information to us upon mortgage application is for us to anticipate the consequences. And according to the information you provided, we will adjust our tactics to help you get the best rate.

What Faiz is saying is correct. Outsource bankers are just as professional as banker. Actually some of us are from Banks as well before we do this. The reason is too obvious that I don't really need to explain to you why

You can contact me anytime for loan enquiry.

Thanks

They will find out not just your CC debt, but all of your debts in the form of their:

1. Type of debt (hire purchase, term, property, personal, CC)
2. Original loan amount
3. Outstanding balance (your CC o/s balance will be stated here, unless you fully settle your CC statement every month)
4. Repayment records

Hello, you can get around this much, as long as your loan repayment record is good. So at RM330k loan, your property price should be about RM366k.

Do you have any bonuses, dividends, and other fixed allowances? Those can increase your net income thus increasing your maximum loan amount:

Hi, thanks for the detailed information. Currently I have no any bonuses, dividends and other fixed allowances.

If no other income, my calculation posted earlier could very well reflect your current situation It's not bad, although you may need to lower your target house price to RM360k.

maybank, ocbc, aia bankers kindly pm

Hi , banker

2013 BE - total 86,000
Tax 2013 -5500



A.) 2014 nett income

Basic Salary - 6800
Fixed Allowance -1050

Total 7850

EPF -750
PCB -750

Nett income = 7350

（ years bonus estimate is 10k & I am one of director in my company )

B.) Commitment

Home loan -(joint name ) 600
Personal loan ( RHB ) -500
Credit card ( Citibank ) -800
Credit card ( Uob ) -700

Total commitment 2600

Currently I am 34 years old .
I plan get my second and third house for investment purpose . any one can calculate max loan for my salary ?

Yes, RM360K is ok for me as I have targeted some house around this price. Thanks.

My application was submitted into CIMB system and the SA created many stories to delay me because i didn't buy any MRTA or MLTA insurance from him.

I had just file a complaint to CIMB. Is that possible to switch agent to follow up at this stage?

hi,still can loan around 700k for 30years(under hlb),subject to management approval.

Hello,

Can you share with me you outstanding balance for the home loan (joiunt name) and credit cards?

Also please share the original loan amount for the personal loans.

I will need these information to accurately calculate your maximum loan amount based on your salary and commitments

No problem. Let me know when you have paid the booking fees, I will help you with the best loan offer available as a mortgage broker.

THanks.

Ok, no problem. Thanks.

Outstanding


Home loan -100 k (250k)
Personal -15k (20k)
Credit card -15k

Hi. Need a quote.

Been working for 2 years. Just into my first month of new job and looking to buy a property priced at 430k. Question - is it possible to get a 90-95% loan based on my first month income of 4800? If taking into account previous gross salary of 3500, surely not sufficient.

Gross income: 4800
Rental income: 800
Property instalment: 400
No HP. Credit card 4k outstanding.

Also currently awaiting refinance process of the first property to be completed. Everything signed already.

Hello, thanks to your low credit utilization, it is safe to say that you can borrow this much:



Based on my calculation, due to your low credit utilization, you can get the loan you want subject to approval by the credit controller.

But to answer your other questions:

1. It is possible to calculate based on the new job's salary provided you have at least 1 month salary and attach a letter of appointment with your new salary stated in the letter.

2. As for refinancing... once the new financing has taken place, the calculation wil be different. So you better act fast before the refinancing is reflected into your CCRIS that the other new banks will see when you are ready to refinance.



This post has been edited by wild_card_my: Jun 16 2014, 08:46 AM

Hi, can any bankers advise me if i have a freelance job with income rm2k per month. Is this also can include as DSR? I have another permanent job with a private company more than 5 years. Tks.

Freelance work can be considered as additional income as long as you can produce some supporting documents (proof of payment/proof of payment recieved). However, some underwriters may argue on the nature of the job and its relation to your full time job.

If the amount is variable, you'll need to prep supporting docs for 6 months and it will be averaged. If it's fixed then 3 months will do. Each bank differs on how additional income is treated. Some might reduce the amount based on a certain percentage just for added comfort.

Izwar - +60122501523

If fixed only the payslip will do? Can you recommend which bank will treat as full? Tks.

Payslip AND bank statement. We have to prove the money was received. EA or EPF is also good for additional comfort but not necessary for part time jobs.

I'm a banker so I can only speak for RHB. With the mentioned supporting docs we can take 100%. There are other banks that will do the same (I've been in a few). I'll leave that for the agents to answer.

Izwar - +60122501523

As long as there is a supporting documents to prove the income then you are good to go. Supporting documents can be in the form of EA form, Borang B/BE, payslips and differ from bank to bank.

Most banks will treat these income as full if you can show the payslips and money banked into your account (bank statement). Some banks like OCBC can take the EPF statement in lieu of the bank statement, while Maybank will insist on the client providing the EPF statement.

I can do a number of banks local and foreign including OCBC, Maybank, Ambank, Alliance and have a strong network with other capable bankers like the ones from RHB, CIMB, HLB, Bank Islam and more. If you think my service is good, I can help you connect with these other bankers that I have specifically chosen to serve my customers. In a way I can provide you with a one-stop mortgage service.

This post has been edited by wild_card_my: Jun 16 2014, 03:02 PM

Any banker with Standard Chartered? Please do contact me as I'm looking for mortgage. Only SC, thank you.