Mortgage Loan Package Inquiries v2, Loan agents pls read the 1st post!
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 Sep 25 2013, 10:59 PM
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#1
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Newbie
0 posts Joined: Dec 2010 
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Hi wild card my,
My name is Yeap, I hv 120 k debt - c.c 90k, personal loan - 30k, Housing loan with RHB with outstanding balance of 60k. Not prompt paymaster. sometimes missed up to 4 mths payments. most cc cancelled. If i pay off all cc debt of 90k, am i able to refinance my house? Please advice or any other options i can try... Thanks  |
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Sep 28 2013, 01:03 AM
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#2
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Newbie
0 posts Joined: Dec 2010
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QUOTE(wild_card_my @ Sep 28 2013, 12:03 AM) Heyy Yeap! Hi wild card my1. Your bad record as a paymaster will be reflected in the CCRIS report 2. However, all of your settled loan accounts will be cleared off the CCRIS. Meaning if you are a bad paymaster for 4 of your credit cards, and you have cancelled/closed the credit card accounts... it will be taken off CCRIS 3. From your view, is any of the delay payments coming from the housing loan and personal loan? Because once you have cleared the CC debts, the housing loan and personal loans will be the only ones left in the CCRIS... 4. Worst case scenario if your remaining loan accounts only have 2 months latepayment: 80% MOF for your refinancing!   I hv printed my ccris, no remarks on special attention ac. however, my hosuing/personal loan have "4" before & reduced to "2" or "3". In your opinion, shd i settle personal loan first (around 21k) & half of cc debt (around 40K) ? or all cc debt first? |
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Oct 2 2013, 11:11 AM
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#3
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Newbie
0 posts Joined: Dec 2010
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QUOTE(wild_card_my @ Sep 28 2013, 07:08 AM) Possible to show me (privately is best) the CCRIS record? I can give a more accurate solution if I see it myself Hi!,Will email to you the report for your advise!!! |
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