Hi All,

I'm planning to purchase a sub-sale properties (RM330k) soon,

This is my situation,

1) Im 25 years old. Married.
2) My basic salary is RM4,500.00/month. Fix allowance RM500.00. Incentive & Claim average RM1,000.00/month
3) My wife basic salary is RM2,700.00/month.
4) I have no credit commitment at all. Car is cash, no credit card, no personal loan, nothing.
5) My wife got personal loan RM370.00/month and car RM600.00/month

The problem is, we dont have enough cash for 10% down payment. Our EPF account 2 is just around RM3k.

I was thinking to make a personal loan of RM30,000.00 for the down payment and all the fees.

Is that a good idea?

If anyone can guide me, I would greatly appreciated.

Thank You

Hi banker,
I'm 26yo.. Work at private company (sdn Bhd)
Planning to buy 1st house, but how to know my loan limit? My salary not fix coz depend on my allowance.. And some of the allowance not stated in my payslip (pay direct to my bank acc). Some fren told me bank will only give loan base on pay slip.    help me pls..

I'm planning to refinance my apartment(nearby Seri Kembangan Equine Park), which currently is attached to AmBank. Current loan RM100k, current market value RM200k.

Prefer bank loan with withdraw facility and no lock in period.

Eugene
012-2170516

Hello bankers,

I am purchasing a second home priced around 900K.
Got positive response from Alliance and CIMB. I am familiar with CIMB but not so much with Alliance. Can anyone share their experience with Alliance bank?

Thanks bro. i know the base rate for Alliance is 4.07%. What is the spread ya?

Say I have a sub sale landed unit to buy in coming December. However, I've already paid deposit to the owner to book the house. The owner wants me to start applying loan now, to ensure that I can obtain the loan, so that in december the owner can transfer the house to me without hiccup.

Can I start applying loan now despite I have't sign any S&P or relevant document?

any best loan offer now? home & lease hold rm250k

90%
so far lowest is 4.15%? full flexi?

Oh I see if income around 5k, which bank has high DSR? apart from HLB and CIMB

Hi bankers,

I want to do refinance.
I have a home loan with CIMB started in year 2013 with the interest of 4.65%. The interest rate is high because the house is under master title (with a bankrupt developer) at that time. Only CIMB and Public Bank give loan at that time. Landed double storey terrace, now already get individual title. With the individual title, now the house price rises a lot.
The purpose I want to refinance is to get a home loan for lower interest rate. Please advice. I welcome agents to pm me.
Thanks.

Hi, i have been informed by PBB that if the money not fully released to the developer, I can only pay the interest. Means I cannot pay more to reduce the principle before loan actually start?

thanks.

what is the whole procedure to get everything done for buying a house？

i signed house spa。
tomoro sign loan offer letter 。
then？
just wait？

According to LoanStreet.com, Bank of China offering 1st 2 years 3.80%, thereafter 4.00%, can anyone verify?

1st 2 years fixed rate or floating rate?

hi all sifu n bankers,

want to ask, just got my booking form signed ytd, purchase price 580k.
i'll be arranging a 230k down payment.
so essentially i'm planning to lend 350k loan.
but currently i'm still under probation in a GLC, 2 more months to confirm.

any ways i can get a mortgage loan?
and, which banks now give better rates for mortgages?
my ownself calculated DSR around 63% including new loan.

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.

Fully flexi? 3.22?  

Do banks normally call your work to confirm employment or is the payslip and EPF statement enough?

Hi all

Would like to know what would be max loan value (and max monthly mortgage for a 30 year loan) that I can expect? Much appreciated in advance.

Age: 35
Gross income: RM 4750 monthly

Car loan rm900/mth until dec 2023

Thanks and feel free to reply here or DM me.

Planning to get joint loan at 600K.

My salary at net 3.5K (with few days mandatory unpaid leaves every month due to covid)

Partner net salary at 3K

Age below 30. Both no other debts / commitments.

Any chance to get approval for 35 years tenure with 90% loan?

Will my unpaid leaves gonna looks bad for banker?

Thanks,

Sorry first time buyer. Zero experience. Going to meet a mortgage agent recommended by SA for a loan of 600K.

Usually how much the mortgage agent charge?

And anything that I should know / aware before signing his "service form" I assume?

Thank you.

i had just changed to a new company (1 year contract) and started work on 15th of march.

previous job ended on 15th of feb. last drawn salary is 5.8k

the new salary is 7k

may i know is it very hard for me to apply housing loan ? plan to buy a house around 400k.

or need to wait at least 3month salary slip or totally no need to try at all ?

additional info : my commitment is a hire purchase, around 630. still left half year to settle.

Hi looking for banks with less stringent lending requirements. Any Sales Exec from smaller banks are welcomed to PM.

It is for my buyer who got rejected by MBB. Property Price 640k. I dont know his current commitment but sure it doesnt look good given he is rejected by MBB.