Hello all,

I wish to seek for home loan for house value RM520,000. Bank loan would be 90% (RM468,000) at 30years.

Preferred banks would be RHB, Maybank, OCBC and Public Banks. Other banks welcome to offer me as well.

My details as below:-

Income
Gross salary: RM6,080 per month (fixed)
Overtime: Average RM1,000 per month
Total Gross Salary : Average RM7,0000
Nett : RM5,800 to RM6,000

Current commitments
Credit Card: No outstanding amount, always pay on time
Personal loan: No personal loan
Home loan: No home loan
Car Loan: No car loan

Currently aged 28. Pls pm to me for your best BLR rates together with loan details. Already paid booking fees, now looking for the best loans.

Thank you all

This post has been edited by ViewSonic: Aug 9 2014, 11:50 PM

Hi,

Find my reply as below:

1. Depends incomes from you and your mum, if your mum has much higher income than you (eg, 10k vs 3k), bank will only giving the tenure based on your mum's age. If your income equivalent or higher than your mum's income, we will take your age to offer the tenure.

2. Dunno what is the purpose you are want to hold to drawdown, however, you may arrange this with your spa lawyer

Hi

Would like to enquire the maximum eligible property loan amount (FIRST[U] property) based on the following:

1) Age : 31 years old
2) Net income : RM5,000 per month (after deducting EPF, monthly expenses and monthly commitments)
3) Property type : Landed double storey link house
4) Property status : Completed (Sub sales)

Please PM the best loan package for fixed and fully flexible loans.

Hello all,

I wish to seek for home loan with selling price RM550,000. Bank loan would be 90% for 35 years. Property detail is Impian Meridian (995 sf) located at USJ 1, Subang Jaya.

Preferred banks would be RHB, Maybank, OCBC and Public Banks. Other banks welcome to offer me as well.

My details as below:-

Income
Gross salary: SGD 3,520 / MYR 8,800 per month (fixed)

Current commitments
Credit Card: No outstanding amount, always pay on time
Personal loan: No personal loan
Home loan: MYR 310k with roughly MYR 1.5k per month
Car Loan: No car loan

Currently aged 27. Pls call me or whatsapp me or pm me at +65 9863 7215 (Anson) for your best BLR rates & evaluation value together with loan details. Already paid booking fees, now looking for the best loans.

Hi,

I'm looking for a flexible loan for an apartment of 128K. Bank value is said to be 120K. I'd like a real flexible loan where I can dump money easily and also can take out whenever I need to. Will be a bonus too if there is a renovation loan included.

Thanks.

Fellow bankers,

I've few queries on mortgage loan which will be helpful for my decision making on my first purchase of property.

1. with a nett income of rm 2600, how much amount of loan can be expected from the bank?

2. if I've a guarantor, aka my father, will bank evaluate his financial position? Will bank increase amount of loan if his financial position is strong?

3. This loan will be fully taken under my name, does the bank allows 90% margin of loan or 70% margin of loan, if my guarantor has more than 3 properties?

4. If joint name on property, does that means both individual has taken up 1 unit of property? So, it means both of them can only borrow 70% margin of loan when comes to their respective 3rd unit?

4. What is the formula for calculating the margin of loan?

Thank you.

This post has been edited by linuss: Aug 17 2014, 05:59 PM

Hi
Just pay my booking fees, now looking for a home loan.
Loan amount is RM620000.
CIMB, HLB, SC,Public Bank and other banker do PM me. Prefer flexi loan
Thanks

This post has been edited by KageBunshi: Aug 18 2014, 07:45 AM

Hi, Please advise:

Two person gross Income: RM 6400 (Basic salary + Fixed allowance) - wondering is fixed allowance including in consideration?
Nett Income: RM5000
Current Loan: none
Credit card: No outstanding every month
Status: Both Single
2nd hand condo: RM428k

-1st Time Buyer
-Plan to loan 90%
-Never late for repayment in the past.

Please advise could we get the loan based on the info above?
Which banks loan is more suitable for my case?
What documents needed to submit for loan application?

Please pm me the best interest rate that can offer.

Thank you.

Hai linuss..

1. assuming u dont have any commitment maximum eligibility u can apply with MBB is RM 200K, however this is based on 40% DSR for income below RM 3500. For other banks, ur commitment ratio can still go upto 70% DSR.

2. For MBB, guarantor acts as a supporter just to support or comfort the case. The responsibility for repayment is the applicant it self. Thus, the amount will not be increase if increase just a little.

3. For Maybank the Guarantor also needs to comply to standard ruling. Therefore only entitle for 70%. u can shop around to c other banks can offer 90%.

4. Yes, therefore advisable to apply under 3rd Party Loan.

5. For standard banks calculation, ur commitment should not exceed 70% of your net income.

Looking for a mortgage package for my gf.

Property worth about 1.2m.

Any mortgage sales that have good deal feel free to pm me.

Thanks.

d

This post has been edited by ProKing: Aug 29 2014, 09:38 PM

Hi Banker,

I'm looking for semi-flexi loan for house value RM480,000. Bank loan would be 90% (RM432,000) at 30years.

My details as below:-

Age : 31
Net salary: RM3,900 per month
No commitments. No outstanding amount for credit card and always pay on time

Preferred banks would be RHB, Maybank, OCBC and Public Banks. Other banks welcome to offer me as well.
Pls pm to me for your best BLR rates together with loan details.

Hi,

I'm looking for a housing loan, 80% of RM318,000 for 25 years.

Age:
25

Income:
RM4000 (gross)

Commitment:
None, except credit card (full settlement every month)

Banks:
UOB, Hong Leong, Maybank, RHB

I'm looking for -2.4% rate. Kindly pm me.

Hai CK,

1) Yes fixed allowance will be taken into income computation.
2) Base on your commitment u have no problem applying for the loan.
3) As for which bank, u should c factors like rate, lock in perioud, default rate, full flexi or semi.
4) standard documents:

3month latest payslip
3month latest bank statement
epf
ea
booking/ spa n title
ic

I got my housing loan approved by maybank, the agent told me this is semi flexi type where I could pay excess to reduce interest, from the letter of offer, no clause mentioning the treatment of excess, whether it will reduce interest or sitting in the loan account doing nothing

Only clauses on advance payment redraw facility which will be charged rm25.

Anyone have taken loan from maybank? Can share with me on this, thanks

Do give us the product name then i can advise whether is flexi.

Alternatively you can go to their site to check the features.

Hi Bankers,
Just paid my booking fees for a 550k unit. Looking for home loan.
This is my first property.
banker do PM me. Prefer flexi loan.
If you have contact for reason price lawyer, please let me know too.
Thanks.

Hi banker,

I need advise on the loan for my mom. She is 56 years old but still working.. Is she still eligible for house loan joint with my name to purchase a house?

Thanks!

Yes still eligible.. u cn even appeal base on ur loan tenure..