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Mortgage Loan Package Inquiries v2, Loan agents pls read the 1st post!
eniltoh
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Oct 24 2014, 08:22 AM
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Getting Started
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Good Morning! I am purchasing a sub-sale condo in Kepong Sentral and am looking for mortgage loan packages suitable for me.
The property is currently priced at RM280,000.00
Gross take home pay is about RM3000.00
I have also recently applied car loan of RM25,000.00 which has been approved.
This post has been edited by eniltoh: Oct 24 2014, 08:24 AM
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zzzxtreme
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Oct 24 2014, 11:49 AM
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hello, I just got my SNP last monday. so I assume I only have 2 weeks to get loan approval?
and agents, I'm looking for islamic home loan
value 112k, financing 90%
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distributor
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Oct 24 2014, 01:17 PM
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Getting Started
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Any affin bank agent here? For semi flexi loan, can I put $$$ to reduce interest during construction period?
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yorkhan
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Oct 27 2014, 10:27 AM
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Need info on loan packages.
330k single storey house in klang. nett income 4k government teacher. Nil car loan. Nil house loan. First house purchase. Personal loan for study 7k balance. Require a full flexi loan. Female age 28.
This post has been edited by yorkhan: Oct 27 2014, 10:32 AM
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cl.t
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Oct 27 2014, 04:23 PM
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Getting Started
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Looking to refinance my first property, details as below:
Property details: Suria Residence Apartment, Mahkota Cheras, 7th Floor, intermediate unit, 1247sqft, freehold, newly built and just get keys from developer.
Loan details: 40 years Mortgage Loan with UOB since Q4 2012
Requirement: Wanna know how much does the bank value this property and whether can obtain 90% mortgage refinancing package at competitive rates.
Refinance purpose is to cash out the money for reno.
Please pm me. Thanks.
This post has been edited by cl.t: Oct 27 2014, 04:25 PM
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distributor
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Oct 27 2014, 04:54 PM
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Getting Started
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That day i ask UOB loan officer regarding their semi flexi package.
They do not allow me to offset the interest during construction period. May i know which bank can do that ? (any banks will do ? )
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Asgaard
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Oct 27 2014, 06:54 PM
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QUOTE(distributor @ Oct 27 2014, 04:54 PM) That day i ask UOB loan officer regarding their semi flexi package. They do not allow me to offset the interest during construction period. May i know which bankĀ can do that ? (any banks will do ? ) Hong Leong can. I am from Hong Leong. if u want further details, just let me know. This post has been edited by Asgaard: Oct 27 2014, 06:54 PM
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Madgeniusfigo
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Oct 27 2014, 08:29 PM
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QUOTE(distributor @ Oct 27 2014, 05:54 PM) That day i ask UOB loan officer regarding their semi flexi package. They do not allow me to offset the interest during construction period. May i know which bank can do that ? (any banks will do ? ) OCBC offer full flexi, and allow you offset the interest during construction period. interested to know more, do contact me 0168681373
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Madgeniusfigo
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Oct 27 2014, 08:30 PM
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QUOTE(distributor @ Oct 24 2014, 02:17 PM) Any affin bank agent here? For semi flexi loan, can I put $$$ to reduce interest during construction period? for OCBC, we can, if you need more info, do contact me 0168681373 =)
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Madgeniusfigo
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Oct 27 2014, 08:34 PM
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QUOTE(eniltoh @ Oct 24 2014, 09:22 AM) Good Morning! I am purchasing a sub-sale condo in Kepong Sentral and am looking for mortgage loan packages suitable for me. The property is currently priced at RM280,000.00 Gross take home pay is about RM3000.00 I have also recently applied car loan of RM25,000.00 which has been approved. Ur net income will be around RM 2500 RM2500 X 0.6 = 1500 UR CAR loan will be around Rm300 or less rite? if like that RM280000 property monthly will be around RM1250 UR loan will be able to proceed. Need more info just watsapp me =)
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Madgeniusfigo
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Oct 27 2014, 08:35 PM
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QUOTE(zzzxtreme @ Oct 24 2014, 12:49 PM) hello, I just got my SNP last monday. so I assume I only have 2 weeks to get loan approval? and agents, I'm looking for islamic home loan value 112k, financing 90% OCBC offer I-MENARAT ISLAMIC home loan u can get around 2weeks or more, just communicate with the seller, u can get extend
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Madgeniusfigo
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Oct 27 2014, 08:37 PM
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QUOTE(yorkhan @ Oct 27 2014, 11:27 AM) Need info on loan packages. 330k single storey house in klang. nett income 4k government teacher. Nil car loan. Nil house loan. First house purchase. Personal loan for study 7k balance. Require a full flexi loan. Female age 28. PERSONAL loan for study is PTPTN ? or ? with ur income RM4K x0.8 =rm3200 house loan every month will be around RM 1900 you loan will be no problem. contact me for more info =)
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Madgeniusfigo
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Oct 27 2014, 08:38 PM
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QUOTE(cl.t @ Oct 27 2014, 05:23 PM) Looking to refinance my first property, details as below: Property details: Suria Residence Apartment, Mahkota Cheras, 7th Floor, intermediate unit, 1247sqft, freehold, newly built and just get keys from developer. Loan details: 40 years Mortgage Loan with UOB since Q4 2012 Requirement: Wanna know how much does the bank value this property and whether can obtain 90% mortgage refinancing package at competitive rates. Refinance purpose is to cash out the money for reno. Please pm me. Thanks. Roughly How much is ur house outstanding right now ? I got ur property value, contact me for further information . Thx =)
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FishnChipx
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Oct 27 2014, 08:40 PM
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hi to all loan agents ~ have some inquiry here. If let say me and my wife gona join name to puchase a property, our house hold income will be around 9k, may i know how much loan we can get ? let say commitment is 2 car and one unit apartment loan repayment, total comitment = RM3100
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isaacyap
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Oct 27 2014, 08:44 PM
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New Member
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QUOTE(FishnChipx @ Oct 27 2014, 08:40 PM) hi to all loan agents ~ have some inquiry here. If let say me and my wife gona join name to puchase a property, our house hold income will be around 9k, may i know how much loan we can get ? let say commitment is 2 car and one unit apartment loan repayment, total comitment = RM3100 around RM800-900K.
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FishnChipx
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Oct 27 2014, 08:49 PM
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QUOTE(isaacyap @ Oct 27 2014, 08:44 PM) means our house hold income - commitment still can loan up to 800k ~ 900k ?
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ronn77
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Oct 27 2014, 09:51 PM
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Is there any agent doing Johor properties? My sister is checking value for her house as the tenant would like to purchase the unit and need banker recommendation.
Do pm me, thanks.
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Madgeniusfigo
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Oct 28 2014, 01:05 AM
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QUOTE(FishnChipx @ Oct 27 2014, 09:49 PM) means our house hold income - commitment still can loan up to 800k ~ 900k ? Lets say ur 9k is net income highest amount calculation rm9000x0.8 = rm7200 RM7200- RM 3100 DEBT = RM4100 RM900K PERMONTH IS RM3858 CAN RENT BELOW RM900K PROPERTY
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eniltoh
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Oct 28 2014, 04:24 PM
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Getting Started
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QUOTE(Madgeniusfigo @ Oct 27 2014, 08:34 PM) Ur net income will be around RM 2500 RM2500 X 0.6 = 1500 UR CAR loan will be around Rm300 or less rite? if like that RM280000 property monthly will be around RM1250 UR loan will be able to proceed. Need more info just watsapp me =) The car loan will be RM770.00 for 3 years. Do I still qualify?
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Madgeniusfigo
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Oct 28 2014, 04:34 PM
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QUOTE(eniltoh @ Oct 28 2014, 05:24 PM) The car loan will be RM770.00 for 3 years. Do I still qualify? How much does ur car total value purchase ?
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