Hi there, anyone can give me advice on which housing loan to take?

Bank A: BR 2.52% + Spread 0.63% = 3.15% (MRTA)
* MRTA cover half for BOTH applicant for 3yearrs(under construction) + 22years and also cover RM50k for 39 critical illness for 15yrs cover for BOTH

Bank B: BR 2.75% + Spread 0.55% = 3.30% (MLTA)
* No monthly maintenance fee
* No withdrawal charges
* No capping on savings
* MLTA covers both applicants and maintains 100% sum assured at RM530k for 30 years

Both are 35years tenure. Which bank is better?

Hi ambank banker asked me how many years of mrta I'd prefer to take, can anyone advice? The property is for own stay for at least 10 years.

Any bankers out there ? need to enquire on a loan package pm me tq. Want to cross check on me and my partners loan amount for sub sales property and chances of obtaining a loan at this period of time.

Hi everyone, how can i ensure my loan amount eligibility? I check online with home loan calculators?  How accurate is this information?

I dont want to go shopping for a RM800k-RM900k property when bank only going to allow me to take loan of RM500k.

Appreciate any assistance.

Do you guys know which bank offer the best rate or promotion?

just wanna know how low it will be? as i just apply hlb housing loan, the interest rate is 2.95 %.

Following Prime Minister announcement, any one got experience 3rd housing loan onward manage to get more than 70% loan margin?

what is the requirement?

i managed to get 85% margin for a project completing in 2022... from what i understand not much bank are very keen on 3rd property loan >70% so far

That is a very good rate. How much you apply?

i got offer for housing loan from RHB at 3.3%. is it ok?

Heard Public Bank can go down to 2.85% now? Is it true?

if refuse mrta mlta or any form of insurance, rate will be higher?

Hi all, I was offered RM425K Loan with MRTA for 35 years with a rate of 3.1% by Maybank.

My concern here is that the 3.1% is - 1.75% Base Rate + 1.3% Spread.

Is this a good choice or the spread rate is high??

My loan amount is RM625k. Was quoted about RM9.6k for the loan agreement along with stamp duty etc.

Is it a fair quote?

Any public bank banker here? Wanna ask about topup loan, what is the difference to the refinance?

Is it still possible to get full loan for second hand house/condo?

May I know how much lawyer fee I need to pay if I am selling a house at rm800k?

Oh. Okok.. joint name also. Two

Because I recall when I bought a sub sale house at PJ. The seller only pay few hundred to the lawyer only. But some are saying few k. Now I am wondering for my house in JB, would it be very high legal fee.

hi sifu, if the house is still under construction (usually 2 years), but the bank already charge payment, the payment all will go to interest or some will actually go to principle ? will they revise the interest amount after the house completion?

Hi Sifus,

I got offer from Alliance Bank for 370k loan amount with 3.19% rate. Cannot go lower as infomerd by the Loan Sales Person.
No need to buy MRTA.

Is it ok to take since ?

Hi sifus,

Im trying to finance an investment property (120k), my net 3700+, allowance not really fixed (at least 200), been working for 2+years. Credit card (clear off every month) left with PTPTN, no car loan.
Hoping for is a full flexi (no cap if possible), can foot the upfront 10%, roughly what % of interest rate am i looking at?
Im working for a SME so probably not much help, i just wanna to get a lowest rate possible to maximize my return on the property. (if co sign able to reduce the installment i can add a person in too)

I saw from the bank negara website listing the BR for maybank is 1.75 but curious why no ppl over here mentioned much about loan from maybank?
Thank you in advance.

I planning for a joint applicant loan. However my partner ptptn loan owing 20+ months. Is it better to settle it before sending in for loan application?

Hlb banker said shouldn't be any problem but maybank request her to settle it

Do banks normally call your work to confirm employment or is the payslip and EPF statement enough?

Hi bankers / sifus

I’m trying to get loan for my first house. Currently no other commitment except for credit card.

Loan amount : 565 020
Net income : 3300
Credit card : clear off every month no outstanding but with one instalment (11/24 balance outstanding 2,051)
Years old : 24 born in 1996
Occupation : banker (Hp)
Year of service : 2 years 1 month
Current address: selangor
Work address : KL
Marital status : single

Not prefer to joint name

Is it possible for me to get 90%? Please advise me thank you