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Mortgage Loan Package Inquiries v2, Loan agents pls read the 1st post!
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MC Mong
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May 4 2015, 08:15 PM
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Getting Started

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Hi all,
I would like to refinance my house. Personal.
Looking for banker from Ambank, Hong Leong Bank and UOB bank.
Only prefer full-flexi loan. Kindly PM me your contact. Thanks.
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MC Mong
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Jun 18 2017, 11:42 PM
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Getting Started

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Dear sifus,
I'm a commission earner for a enterprise company. I do not have basic pay, nor epf contribution. If my commission for that month is 10k, I will receive full exact amount via cheque payment.
May I know any bank will accept if i would like to apply mortgage?
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MC Mong
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Jun 18 2017, 11:52 PM
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Getting Started

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QUOTE(wild_card_my @ Jun 18 2017, 11:45 PM) the bank will consider two things: 1. Declared tax on Borang B 2. 10-20% of the average 6 months deposits in your company bank account statement Some banks will look look either one, whichever higher, others whichever lower, but a tax payment is essential for an enterprise that is running a business (as opposed to those that exists for tax purposes for a contracted person) Also, if you are running a business, the salary, epf, etc that is paid to you as a person from your own company is not worth anything to the bank; because as the owner of the company, you can manipulate your income however way you like. I'm not self employed bro.. what i mean is i'm working with a enterprise company as a staff. commission based
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