Hi Loan Agents,

I'm looking for a housing loan for Seri Pajam Project.

Please PM me for more details. The best rate gets my money!

Mind to share which bank and type of mortgage?

Hi Bankers,
Please advise me what is the maximum loan and best loan packages that I can get for details as below;

Joint application:
Husband age: 38
Myself age: 33
Joint net salary: 6000 (Can I add with bonus?)
House purchase price: 650,000
Type: Brand new Freehold 2 storey house
Size: 22 x 70

Current commitment:
Joint housing loan: 1650
Myself car loan: 824

Am I eligible to get 90% MOF?
Thanks.

Please PM.

Hi,

I'm looking to buy a property but i only changed job recently for about 3mths. Will bank lend me money? i'm looking to borrow around RM1 mil but i've good credit history and working in a bank currently.

For a landed property. the property is around rm1.15 million. I've very little commitment so far even adding up my credit cards are around 3-4k per month. So working backward, how much i need to earn to get RM1 million loan?

Hi Guys,

I'm currently earning 11K for gross salary, monthly commitment, 1 housing at RM1000, car loan at RM1100 and I have total 5 credit cards (thanks for all those bank where you apply for 1 and they will give you 2 cards together)

House property buying at RM600,000. Paid the 10% ady. Applied for more than 3 weeks now but still cant get it approved as in no feedback from agent. The house is around 80% complete based on what the developer mentioned.

Is it because of my credit card? I think I have quite a fair bit (~RM15K) of credit card balance...but i've being paying up on time and definitely not minimum amount...another thing is that last time i did a 10 month installment payment for an iMac..is this currently bringing me down?

Regards,
Zul

any senior and experienced alliance banker here? I would like to ask some questions. Kindly PM me. thanks

i need a free moving cost package with zero entry cost where possible.
looking into refinancing.
prop value approx rm530k.
please pm me.
thanks.

is it true only standard chartered providing ZEC?

bro,

come apply with me , i give you

Loan Amount: RM415,753
Rate: BFR - 3 % (BFR at 6.6% now and rate capped at 10.75%)
Duration: 40 years
NO LOCK IN Period

Hi experts,

First time house purchaser here. Need some advice..

I currently got an offer from OCBC bank. -2.35% with 35years installment, 3 years lock in period for a property value of RM385k.

Question – after the lock in period can I appeal to OCBC to request for a lowest interest rate and deduct my years of installment to 25years instead of 35years? Or can I refinance it to another bank? If yes, do I need to pay anything to transferring fee?

Yet last question, my mortgage loan sales person (he is middle man), he put the lawyer fee into the bank loan. I wanted to pay separately for the lawyer fee instead of putting into the bank loan amount but he insisted to put it into the bank loan. Any reason why he did so? I said I want to have 25 years or 30 years installment but he put me for 35 years (another big sigh). Somehow very frustrated talking to him but I got no choice caused I signed SPA already. Need bank to release the amount within 3 months.

Looking forward to expert’s reply.

The Max % of our salary pay for installment related to property value?

For example, 500k 

I intend to get a Fix-Rate Home Loan... wonder what are the rates offered by bank nowaday?

Hi , I am purchasing my first property, worth RM430k, would like to apply for loans, please PM me your latest package , thanks !

Hi bankers,

I am in the midst of buying a house and need your assistance to do the house valuation / loan application.

Please PM me for more details.

Thanks!

Dear friends,

Does the chances of bank home loan improved if I put more down payment and borrow less?

Example: property price is 800K.
I put my down payment 400K, instead of 200K.

thanks

Buying a subsale condo. My commitment quite high, got car and another house loan wor. By putting more down payment will  increase chance to home loan?

Only CIMB can do your loan since you want full flexi, no lock in, wavier on stamp duty = islamic , this rate

70% legal fee discount? Let me know if you can get a lawyer with this discount.

bankers please advise.
if scenario as such, what is the outcome:
loan tenure 30 years.
original loan amount RM300k.

assume outstanding loan amount to date is RM100k.
present market value is RM550k.

if refinance or top up to RM500k, what is the calculation?
new installment based on:
a) 30 years RM300k installment + 10 years RM200k top up installment; or
b) 10 years RM500k installment?

thanks.

any supporting articles to relate to?

Any bankers can advise me if i buy a new landed house @ RM500k,
how much income should i earn to eligible me a bank loan?
Thanks.

Hi all,

Got a few questions.

1) Can anyone let me know how the DSR is calculated? I know it is based on NETT income but does it apply for ALL the banks? Do some banks have their own rates? Anyone knew the DSR rate for Ambank and Public Bank respectively?

2) If I am planning to buy a new property that is currently under construction (70% completed), can I apply loan at banks OTHER THAN the panel banks? The developer is offering free legal fees, free stamp duty and free this and that. There used to be DIBS but now converted to extra rebate since it has been banned. If not a panel, that means cannot apply?

Thanks.

Hello fellow bankers.

Is is true the banks do not give loan the individual with CCRIS record of less than a year?

hai,
mine case
i have one join name house loan with mine brother but the house name is under mine parents and bro. i dint put mine name in.

i have another house loan under mine name. the house under mine name only.

now plan to buy another condo. make another house loan.

mine question is for mine case the third loan that i make is consider  second house or third house?
how many % loan can i apply now? thanks

Hi Experts,

Gross Income: 6k
Nett Income: 5k
Current Loan: Car Loan 883(3 more yrs) + Personal Loan 400 (few more months left, in fact it is overpaid juz waiting for it to expire)
Credit card: No outstanding every month
Status: Single

1st Time Buyer
Property : 370k High rise (90% would be 333k)
Never late for repayment in the past.

Can get the loan for this?