Project . Its expected to complete this upcoming Dec .

Hi, i am looking for a loan size approx 310k loan amount.

Details of income as below:

Gross 5,210

Expenses/Commitment:
1. House loan                  RM 1280
2. PTPTN                          RM 325
3. Credit card outstanding RM1,500 average monthly

Can u suggest this will be enough to push through? if so what could be the interest rate on this?

Regards

hi banker,

i wanna do refinance my house. buy subsales 2014. now 2019 wanna do refinance can or not?
currently with mbb 4.2%

cash for ASB. izzit worth it?

Just got offer from PBB loan for 32 years, house value 720k. 4.15% interest.
is 4.15% lowest now?

thanks.
then don't need wasting effort looking for other bank

usually will they give any free gift? free legal perhaps?

I too gotten offer from PBB 4.15%, loan amount ~300k. Just to confirm with others, the agent insisted me to take MRTA. Anyone managed to get this loan rate without MRTA?

May I know what is the fee incur for refinancing? Can we get the same promo rate?

Hi all sifus please help. Both bank offering 4.35% for 215000 House Loan
PBB
BR 3.52 + SR 0.83
Tenure = 35 Years

HLB
BR 3.88 + SR 0.47
Tenure = 33 Years
Which one is better?

my loan agent told me when i sign with hlb it was 4.03+0.52 but then government change so their br become 4.13+0.52, then now drop 0.25, so become 3.88+0.52.

can bank br change without bnm change their opr? i didnt even know bnm announce increase of 0.1% opr at all

yes, i also did some digging only find out in january 2019, they raise their br by 0.1, same as bank islam rhb and cimb, without even informing the loan borrower. thats why i find it weird why this may -0.25 only reflect on my loan as -0.15 because they secretly increase 0.1 by january.

is not even shown in any newspaper. googling only give me few result return on the increment.

what is the current interest rate for hong leong mortgage plus, my hong leong contact give me Property loan amount RM500K – RM1mil : 4.25% and M1mil and above : 4.20%

Thanks for reply
Do you know if other bank offer similiar as HongLeong Mortgage plus?

I requested for lowest insurance package in view of overspent
Plan to get external insurance that time and for comparison with rhb with full insured

Hi all,
Currently wanted to apply loan 90% for RM574k.
Gross about RM5200
PTPTN: RM112
Credit Card: RM4000 (converted to monthly payment)

Can it be approved? what interest will i get?

what bank is good to get that 4.15% interest?

Thanks for the reply.

I having a old credit cards which convert into term loan.

Is there any chances for me to approve a home loan if my DSR and payment behaviour is good?

How about hire purchase?

I get offer from 3 banks, but seems like RHB has the best offer. (I am seeking for 85% margin due to developer strategic on certain cashback)
SPA price:RM601k (seeking  85% margin)

PBB: 4.35%
Margin: 80%

RHB: 4.35%
CLTA:RM10.8k (not on reducing basis but cannot transfer)
Margin: 87%

Cimb:4.4%
MRTA: Rm9.8k
Margin 90%

Hi all,
I am about 24 years old. Is it okay that I take 25 years MRTA instead of 35 years? Im planning for early settlement as well.