Hi Bro,

I am facing a problem and i am not sure is there any solution for me. Last year i start my business and i stop taking salary but take minimum monthly director fee. Now i am trying to apply for a home loan so i increase my director fee since Jan 2015. Unfortunately CIMB rejected my application for few reason. No EPF contribution since last year, last year income tax declare too less, and they are not consider director fee as a income statement.

Any advice?

need some advice from banker..

planning to buy house under 2 ppl name.

Income 3.8k (with nett allowance)+3.2k exclude epf etc

What is the minimum loan eligibility ?

Thanks.

I am planning to get another commercial loan for 85%

However based on my calculation. I am lack of RM200 to RM350 installment due to another loan. Will a guarantor help?

MAy I know why?

I can actually but i prefer to get it my own.

Will guarantor helps if my new loan( to be apply soon) lack of Rm200 to 300?
Based on Nett Salary x 70% - loan installment - (to be apply soon installment ) = -200/-300.

Thx for replying.
Do banks still accept joint parents as co borrower? Retired but with fixed pension.

thx for the reply ~
i have another question about refinance my loan.
Let say current loan is 360k and new loan apply based on market value 450k. How about the differences for plus minus 90k ?
How bank paying back the amount and how long it takes to reach me ?

hi guys..looking for a loan, lets say my home loan remaining 100k, n i have this term loan tied up with my home loan 50k. and i have personal loan, credit card debt and car installmen debt,
i would like to know if i can consolidate these loans into 1, meaning refinancing under my home loan...
coz some bank i ask those excess cash only payable up to 10 years..

Hi Bankers,

I am looking for 100% loan for a apartment values at 280k.

My take home salary is a 5100. I am 23 years old this year. I am serious.

hi, i am first time planning to buy a property.
currently on dilemma about which bank to get a loan from.

regarding BR rate, lets say it is 4.5 (BR+0.5%), what actually do i need to look for if want to compare the banks? the overall 4.5 or the 0.5?

also, some agents approach me telling me that i am able to get interest rate of 4.45% but when i online and check the rates of the bank, it is not the same. Should i beware of this?