Hi everyone

If I am going to apply a bank loan for housing, usually the bank will look at the total outstanding amount, or the limit/installment amount for DSR calculation ?

For my case here, I will early settle the personal loan to avoid the bad scoring, any other portion that I can improve to make the DSR more better when applying a housing bank loan?

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My monthly fixed income is 9.5k before deduct the epf contribution and tax contribution.

I am settle-ing all of the credit card outstanding with my bank account saving, and also early settlement the personal loan this month.

All the while I am clearing my credit card outstanding every month, there is no minimum payment was made, and no delay on paying the bill.

The existing house loan and car loan will be still remain after clearing credit card and personal loan outstanding.

The current house has rented to tenant with a valid stamped tenancy agreement for 1400.

Hey everyone, newbie homebuyer here,

Just wondering.. when taking credit card debt into dsr calculation, do they look at your outstanding balance or the amount that u pay (as shown in the bank statement) or 5% of current balance?

Sounds silly for me to ask this question since it already mentioned debt in dsr, but.. the bank doesnt ask me to present my credit card statement, but my bank statements instead. So.. just wondering the logic behind it.

Another question is.. i have 5 cc, and actually sometimes/75% of the time, the total amount to pay would exceed my gross salary + monthly allowance, but i always pay it off (leaving no outstanding balance) cuz actually... 2 out of 5 cc i applied for my dad, who does the groceries/utility bill, so he would use my cc and pay it back to me after i informed him that my cc statement is out. Would this.. negatively affect my ccris a lot?

Hi , any banks accept these clients?

Spa : Daughter
Loan : Mother + Daughter

Mother 57 y/o
- Malaysian work in US
- 5 years visa (expired 2027)
- Salary in USD but all salary will bank in to Flex 401(k) , like EPF
- EPF acc got Rm 1mil

Daughter
- lawyer 3500 basic
- work for less than 2 years
- clean ccris

Hi, any sifus know which bank can accept housing loan application with foreign payslip? Thanks in advance m(- -)m Working in japan and just got my loan application with PBB rejected, reason is “not meet branch requirement and asset financing”, what does it even means? Adui…

Hi all,

I'm planning to get my first condo under my name. Just wondering

1) Can we apply for multiple banks before deciding which gives the best rates?
2) Is there a limit on the number of banks we can apply with?
3) I read that PBB is strict if you miss payments =.="" Other than PBB, which other banks do you recommend?
4) Which bank has the best rate?

Thanks!