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Mortgage Loan Package Inquiries v2, Loan agents pls read the 1st post!
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Danielwcy
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 Nov 13 2020, 01:21 AM
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New Member
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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.
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Danielwcy
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Nov 15 2020, 02:21 PM
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New Member
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QUOTE(ngph988 @ Nov 13 2020, 10:49 AM) because maybank loan not easy to get approved. For 120k loan amount, the rate is close to 4%。 Due to loan size amount, bank try to maximize their profit margin as well. May I know your monthly installment for PTPTN loan as well as your age. Max loan tenure is up to 35 years/70 years old (whichever come first) How long you have been working in current company and what's your current position? about 300, 1Y+ |
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Danielwcy
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Nov 15 2020, 02:23 PM
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New Member
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QUOTE(lifebalance @ Nov 13 2020, 11:13 AM) Doesn't look like a problem to me since you don't have much debts 120k loan interest is higher since it's a lower volume for the bank. Can go as high as 4% OIC was hoping for smth like 3% tyvm tho |
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Danielwcy
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Nov 20 2020, 11:53 PM
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New Member
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QUOTE(Pac Lease @ Nov 20 2020, 09:41 AM) Is depend on the property market value. If margin of finance is less than 80%, then ur loan interest offer to 3.22%. Fully flexi? 3.22?  |
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Danielwcy
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Nov 21 2020, 01:48 AM
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New Member
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[quote=Danielwcy,Nov 13 2020, 01:21 AM]
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)
Can anyone give me the rate for semi and full flexi rate for the above ? Thank you very much.
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