Any banker can advise which bank can accept the following profile for housing loan

Going to Purchase Apt at Price RM180K (equivalent to MV)
Loan *70% = RM126K (5th properties)

Income
RM4150 (nett/gov servant) + Rental/TA RM1300+RM1150 = RM6600.00 nett

Debt
HL1 (59K) - RM373
HL1A (62K) - RM625
HL2 (109K)- RM508
HL3 (280K) - RM1350
HL4 (86K) - RM459
Total (RM596K) - RM3315

CC - RM0

You should have no issue obtaining a loan at most banks. Ur DSR is estimated at 74% based on the info u provided. (Including the new loan)

Izwar - +60122501523

This post has been edited by The Mortgage Specialist: Jun 17 2014, 11:29 AM

Hi, just to be clear, can you provide me the gross salary and any fixed allowance available?

Also for the commitments, are the numbers in the brackets the original loan amount or the current outstanding balance?

This post has been edited by wild_card_my: Jun 17 2014, 05:47 PM

HI will card,

the salary slips rm3400+RM800 fixed allowance is nett (government servant)

the bracket is o/s loan amount.

I intend to buy a double storey house in Melaka for RM320K.

Please pm me the mortgage loan package to me.
26 yrs old, working in SG.
Salary $3200.

Commitment:
MBB 2 CARD: RM1000
HIRE PURCHASE: RM1100 wif PBB 7 yrs

Hi,

i intend to buy a townhosue for RM850K,

Please pm me the loan package.
Age : 42
Salary : 12K
Commitment : 0

Hi, I plan to buy a double storey house (subsale; RM530k) at KL. Please pm me any mortgage plan ya. 27 yo female; first house; salary: around RM4k plus; commitment: zero. Thanks.

This post has been edited by ohchin: Jun 18 2014, 04:48 PM

So based on your payslip, your gross pay is RM3400 + RM800? And then there are other deductions like tax that comes in later correct? The bring-home salary is less than RM4200?

Regardless, I have made a short calculation based on the information. You are quite able to get the property, although I would recommend showing more income in the form of additional tenancy agreements or something.



I have just completed 3 loan applications for Eco Majestic's property in Semenyih. Allow me to help

Example :

current commitment : 2.1k /500k housing loan

if i use a 4-5k tenancy agreement, for this house,

+ my job only freelance, tak tetap,

possible i loan another 200k for my family house?

please advice

I am looking for a full flexi housing loan for Seri Maya condo unit (subsale). SPA price 650k, loan 90% tenure 30 years

I have got flexi housing loan offer with BLR-2.45 without MRTA, lock in 3 years, valuation fees Rm1000. No processing fees.

Anyone here can give me a better offer? please PM me. Thanks.

Going to be rather difficult. I have assumed that your income from the freelance is about RM1000 a month... and included the rental income too at RM4500 a month. But the calculated commitment for the RM500k property itself is rather high.. your max loan amount is calculated as below:




Would you consider going for semi-flexi? You can do advanced repayment to reduce the outstanding interest but without the need to pay RM10/month fees for the full-flexi account.

Any citibank homeloan banker around? I would like to find out about the on going homeloan promo, PM me pls

thanks

hello all, i want to ask what is the difference between Mobile Banker, mortgage and Executive, Mortgage? and isit different also for mortgage specialist? which position is the best? Someone expert please tell me.. isit the jobscope and working place is the same? thanks

Hello! Is there any RHB home loan banker? I am interested in RHB home loan. Please pm me. Thanks

im izzhar from RHB Bank Plaza Damas Kl
0133053970

I want to buy a property joint name with my friend but for loan one name only. Any bank allow that?
Also what is max (by percentage) net salary allowed for instalment?

Hi,

I am looking for some quotes (all banks welcome).

Details:
Loan Amount: circa MYR400k
Tenure: Max
Property: Landed
Fully or flexi

As I am working overseas, please advise what documents are
necessary (other than payslip) to complete the loan deal.


You may PM my inbox.

Thanks

Yes a number of banks allow this. This is called a third party loan.

Let me help you further as a mortgage broker, with my company we can help you apply for OCBC, Maybank, AMbank, Alliance, and recently we have just added RHB into our listing.

For the maximum salary allowed for installment, it depends on your nett salary in the first place. But for OCBC, if you earn more than RM9000 net, your debst-service-ratio is 90%; for RHB, for income between RM6000 to 10,000 the DSR is 80% and climbs to 85% for net income of more than RM10k.

My services are free of charge, I get my commissions from the banks. As such, I am more eager to get the cases through otherwise I would not get anything by the end of the day.

Hello, I am Faiz Azmi, a Mortgage Broker, we have multiple banks under our wings. My services are free and I only get my payment through commissions from the bank after acceptance of the loan offer from the clients.

For RHB, BLR - 2.4%
For OCBC, BLR - 2.35%
For Alliance, BLR - 2.35%
For Maybank, BLR - 2.4%

Documents required for mortgage:



This post has been edited by wild_card_my: Jun 29 2014, 12:00 PM

Hi,

Thank you for your reply. Can you PM me your details such as email/hp and company name? thank you.

Anyone provide services like documents rearrange and 2nd property loan/pe loan for person that have not enough documents n payslip ?
Do pm me