help me to calculate my eligible maximum loan amount?

Age 28. Self employed. Monthly income rm8000.
Currently no other commitment/loan/debt

1. Loan amount RM 450k+mrta rm 19k
2. loan tenure 35yr
3. Rate 4.5%
4. Bonding 3 yrs
5. Mrta 32yrs, 90%

hi all the experts,

I receive this quotation from uob banker recently,
is it ok?
anything to take note?

first time home buyer here

thanks

age 29, nett 3348, current commitment is a rm260 per month finishing next year. what else should i give to get a approximate amount of loan i can take? thanks.

hi everyone, i am looking to buy a house and since i am planning to take full loan the bank offered interest rate of 5.2? is it too high or common?

200k more or less with MRTA

really? also the tenure is 35

whats the best rate for full loan that you know of?

Would like to check with Sifu here on mortgages loan. In case bank A is offering just 0.03% lower than bank B, but bank A has the following term “The minimum precribed rate applicable to the facilities shall not be less than 4% p.a. calculated on daily rest or such other minimum rate as may be prescribed by bank from time to time”. Question: Would you choose a bank which offered 0.03% higher rate, but without the above term? Currently d rate for Bank A is BR(4.03%)+0.44%=4.47% & Bank B is BR(3.77% + 0.73%= 4.5%.

Is it possible to negotiate profit rate for a house loan in Malaysia?

any good house loan for refinance waived stamping fees?

curious if i work oversea , but i wanna buy property in malaysia , how much loan can i get , roughly 18.5k rm monthly . i have no money coming into malaysia so far

thank you sifus

Hi sifu, may i know what are the best interest rate for 90% of home loan for house price RM198,000?

malaysian in uae

House in Kedah, my current location at KL

Hello, could you please help me to check how much can I borrow from banks to buy a house? And also how likely I can get the loan approved by the Banks?

Introduction
I'm 34 years old. I work for a company as an interior designer. (sdn bhd) about 4 years now and only taking allowance (usually at least can get RM2,000 per month), no basic salary, no EPF.
I am also a sole proprietor (10 years now, video editing business)

Latest 6 months income statement (rounded up for easy calculation)

Income from the company (sdn bhd) (got payment voucher given by the company)
Jun - 6000
Jul - 6000
Aug - 4500
Sep - 2000
Oct - 3500
Nov - 0

Income from my business (sole proprietor)
Jun - 3000
Jul - 4000
Aug - 2500
Sep - 8000
Oct - 8500
Nov - 6500

Monthly installment
RM1800 (car loan)

Extra info
- First time house buyer
- I don't have any credit card
- I do self contribute EPF: between RM600 to RM1000 (depends on how much extra cash I have in hand)
- Got RM25,000 in FD account
- Year 2017 borang B: Total Income 47,000 / Chargable Income 34,000
Thank you.

Thanks, can you please share a bit what is the main reason that the loan amount is so low...

Hi would like to get some help from all sifu here.
Market value: 550,000
Balance owing bank: 250,000

Current situation:
1. 2 names in SPA, 2 names in Loan agreement
2. Intended Borrower income: ~RM5000
3. Expenses: current house installment :RM1300 (share by 2 name), no other expenses (recorded)
4. Current house is with MRTA

Would like to refinance under one name, with max cash out.

1. What is the cost of refinance? and break down?
2. Is it compulsory to buy MRTA/MLTA again ?
3. How to buy MLTA? can I buy separatelt from the bank?
4. what is the best rate for full flexi, dont care lock or not?

Thanks.

Hi, sorry im not sure if this is right place to ask.

I am on a semi-flexi conv laon of 500k and now bank has released 150k to the developer. so i would like to ask,

1) if i now transfer 100k from my saving to my loan account, does that mean i will only pay the interest of 50k moving forward ?
2) i can still withdraw the money from my loan account to my saving account right? need to call bank?
3) when can i start pay/deduct to the loan principal amount? need to wait the bank to release all 500k first?
4) will the 100k from no.1 automatically deduct to principal amount? or i need to instruct bank to do so?

many thanks.

mine loan is with maybank, then in my maybank2u account i saw option for me to transfer money from saving to the loan account that assume i'm allow to 'capital pre-payment'?

Hi,
Just want to clarify. Im a fresh grad earning around 3k per month, no commitments planning to buy a house at Tpg. Which bank is recommended ? The house im planning to buy is second hand house which is selling for 230k but im not sure how much the bank will evaluate the house. which bank will provide higher evaluation price ?

yes i have FD in Maybank

Thx a lot for the suggestion. Is there anyone u know can help me to get the MV of the house ?

In my case i have no broker. direct dealing with the house owner.

Not sure can ask here. I’m shopping for loan for a residential property and approached different bank. Some offered Islamic montage product, are these any different from the convention? Anything that being a non Muslim need to comply with if taking up such Islamic home financing product?

May I know why margin and rates will be concern?

So how do we build up our profile to get good rates and margin? Try to apply more credit card first? Or get a car loan first?

Trying to understand as this may be a chicken and egg thing ... maybe I am wrong but hope to understand a bit better here... cause I thought if no commitment and can show good salary history ...this is very good already right?

Hi guys,

Can check if the existing mortgage already out of lock-in from bank, possible to seek other banks for better interest rate?

Worth to do so?