thanks. Anyone can confirm how Maybank, Ambank, RHB, UOB works? or at least your experience using the semi-flexi?
Dont have LO yet, still in application state...

thanks. UOB does not allow too (semi-flexi).

is that right that the final rate offered by bank isn't really the MOST important factor because all banks will revise their BR very often. So 1 bank could give u the lowest rate right now upon signing but who knows after 1 or 2 months they decided to raise higher than other banks which effectively we are paying more. ?

i think bank facilities, convenience, and other terms (e.g mrta) suiting to our need are more important. rite?

Hi would like to check whether chances of me eligible to get loan of RM782k with combine name with my family member

My details:
Gross pay : RM4,450 (annual income including bonus RM60k)
Net pay: About RM3.9k
Have car commitment RM40k outstanding
Have good record of paying car loan, credit card monthly
Age:24

Party A (combine name)
Annual income : RM70k+
Only have outstanding house flexi loan about RM180k
Age:60

Kindly advice the chances of getting housing loan if both of us combine name.

The car installment is RM1100 per month , left 3 years (im able to pay off anytime)

the house is flexi loan, hence dont need to pay any amount because got quite some cash in the bank current account.

yup, but what are the chances that im able to get the loan?

Hi there, my fixed income is 7400 per month, variable pay around 1k per month, currently having car loan of 40k (per month 700) and Personal loan+credit card outstanding around 20k, I would like to purchase a house of 450k, please can you advise if this is possible?

Hi bankers,

May I know which banks do NOT require those who take their mortgage loans to also take up MRTA or MLTA (after all some applicants may have health issues that make getting MRTA/MLTA difficult or impossible)?

AIA fixed rate requires MRTA or MLTA, correct?

possible to get a loan that will eat up to 60% of nett salary?
this doesn't include the savings that can secure the loan at least 1 year

Hi Guy, is it possible to get a housing loan amounted RM830k with monthly salary RM7000 with only commitment HP RM 900 (per month). No other commitment and credit card being cleared on every due date.

Thanks

Whats DSR?

Mr Keith,

Can AIA waiver MRTA/MLTA due to helath reasons? PM me if you prefer to discuss in private.

Dear,

1. Yes, if you have certain illness or obese, it will be difficult for you to get protection approval.

2. It really depends on which end of sickness you are at and after medical check up only we could tell.

3. AIA, MRTA and MLTA is optional.

Cheers

So is it mandatory?

Dear,
You sure?

1. Well, we have myriad of bank license here for our firm including AIA, and for your knowledge, MRTA is optionable for our firm.

2. If you have clients want to apply AIA loan and doesn't want to take MRTA, you can submit through my firm.

Happy to receive more business from your side.

Cheers

Dude,

You have some issues.
and You are very EPIC...to say the least, legendary....

1. I give my advise to a netizen to his question that MRTA and MLTA is optionable. Whereby doesn't involve you in it.

2. You step in and argue that AIA MRTA is mandatory (Which is wrong)

3. I told you it's not and you insisted that MRTA is mandatory if apply AIA loan.

4. I offer you a solution to apply AIA loan without MRTA mandatory through my firm if you needed to, because from my side, AIA loan doesn't need to packaged with MRTA.

5. Did I tell you not to sell MRTA or MLTA to your client? Or you couldn't read simple english?

6. Dude... you really need to stop your tantrum... I'm laughing hard....  

Gosh..   x

You are EPIC, seriously EPIC.

I will show you the next AIA letter offer next week after my client sign, 1.5Million.

I don't need to proof your firm had to include MRTA, just letting you know my side don't have to, and you could submit through a new channel. However you babyrage for no reason...LOL...... such professionalism...

Well, good luck to you.

Cheers   

what if my savings are located at oversea? probably i can provide them the bank statement to be safe?
what if there is no commitment or my usage of credit card,etc is quite low? will this give them an impression that i am a careful spender?

1. should be ok since that is my personal account?

2. fair enough

what if my loan still reject? can i appeal?
or put someone else as referral?

Hi I currently having a loan account with a bank. Current outstanding balance is around 90k++.
After a sharing with my friend, he recommend me to do a refinance due to my current interest is too high compare to current market. I understand that the interest(%) is determine during I sign my package(I forgot the package deal which doesn't matter).
My friend say I might get a lower interest if I refinance since is a new package.
Ignore the settlement fees (no early settlement since already 8 years) I need to pay to my current bank(since I can ask them).

Please pm me what package/offer I can get for this 90k++ loan and what is the procedure.