then i dont think can be approve if under hlb.
You may wait/ask others banker to help,thank you.

Is okay, i found someome from hlb guide me and problem settled.

This post has been edited by Dark Devon: Oct 1 2014, 11:19 PM

Hi, I urgently need banker for my mortgage loan application. I have some problems with my loan application and the SPA signing is coming very soon. Hope bankers here can help me out w this. Pls pm me

any bank would allow loan for a Malaysian working in Singapore but looking to buy property in malaysia?

what is the document needed. have SG income tax documents for many years of working in SG. but no income and house or any commitment in Malaysia.

Hi, I am figo ng from OCBC

I see that you have inquiries about loan from singapore,

Its possible for you to loan while u work at singapore

all u need is NOA

if u don't have that

u can send me 3months pay slips and bank statement

=) glad I can shone u some light !

any further help, do contact me =)

Yes why not!
u need at least 3months at a particular company to able obtain loan

so jumping company won't affect.

obtaining loans all boils down to you income ! =)

Hope I answer your questions !

No problem, just proof of income will be sufficient.

Hi.

Can any banker help me?

My husband already has 2 active house loan with his name on it.

We want to buy a new house and I plan to have my name only for this new home.

Will this house be considered a 3rd house still?

I'm afraid I cant get 90% loan if considered 3rd house.

I hope it will be considered 1st home since I never have any home loan before.

Tq.

if the house is under your name and the loan is also under your name only,then consider 1st house and loan margin can get up to 90+5%.
But if the loan is under you and your husband both name,then consider 3rd house and the loan margin cap on 70%.

hi there,

i'm planning to refinance my property.
D/S 18x65 Taman Tasik Prima Puchong ( lake Vista)
but I have one problem.

My house loan is under my wife and her sister's name.
her sisters house loan is under my name n her name.

Now i'm planning to refinance and change it back to my name so both of us can switch back to own property.

I have 2 cars loan as a commitment.

Is it possible for me to refinance my house?

Anyone willing to guide or advise>>>>


Thanks in advance to all kind one's.

1.So your house is under your own name only right?
2.Yes,you can refinance your house,but under HLB the margin max is 80% from market value.
3.How much you current net income and commitment?

so will you be having 2 loan under your name?

or is ur wife sister planning to refinance as well?

yes both of us want to refinance same time.
now just because of join name it makes complication.

mortgage loan is the best and guranteed way to get way the money when we need it urgently and yeh there are several banks who gives this facility to customers and loan can be passed within 3-4 days.

It's not complicated actually
It's doable but depends on ur income spendable.

House A with wife and sisters name
only adding ur name into it, will based solely on ur income

House B ur name n ur sister
If SPA only have her name
will based solely on her income

so refinance both is possible

looking to buy 2nd house, can i use my epf money for 2nd house, consider 2nd time withdraw asw my 1st house also withdraw money from epf...

acutlaly saw a lelong house and i like the location a lot, but not sure can use the epf money to cover the 10% or not. i check my epf account , i think refer to account 2. i do hv the amount there. so plan to use up the money for this lelong house.

EPF account 2 money can only be withdrawn to purchase 1 property, 2nd house won't be allowed if only 1st house has been sold.

Hi Bankers,

Below is my details:

Gross Income: RM 6100 (Basic salary + Fixed allowance)
Nett Income: RM5100
Age: 35
Car Loan: RM580 (still have another 5 years to pay)
-1st Time Buyer
-Plan to loan 90%

My question:
1. How much home loan can I take on?
2. I am Planing to buy 2nd hand terrace house cost RM560K-RM570K. Am I entitled to get the loan?

Thank you.

YES, iT wont be a problem = )

Hai..

Im looking for Agri Land loan, 50%-60% from selling price..
I heard only cimb n agrobank only give loan for Agriculture Land, please pm or whatsapp me at 0122996041 if have this kind of loan..thanks...