Dear Xin,

If you want to buy SOHO property under your name, first you need to check is there any other bank commitment costs besides HP. And if your net salary is RM5K, there must be no bank commitment cost exceed 75% of your salary. Therefore, it would be no problem for you to apply loan.

If you want to buy Condo RM480K with your fiancée, the conditions still same as above. Since your joint income is RM7K, therefore ban commitment cost should not exceed more than 80% of the joint income.

It is not advisable to buy property in the same time as the it will be having a difficulty to apply same loan in the same time.

Should you need further details, please do text/call me.

Thank you.

Warm Regards,
Chin
017-9897887

Hi ahtom82,

is should not more than 75% for net income between RM2001 to RM6000. Credit card outstanding is part of your bank commitment cost. So you should include into your commitment cost. If you interested to apply rhb loan service, I can help to check whether it succeed to apply loan.

Thanks.

Hi ahtom82,

is should not more than 75% for net income between RM2001 to RM6000. Credit card outstanding is part of your bank commitment cost. So you should include into your commitment cost. If you interested to apply rhb loan service, I can help to check whether it succeed to apply loan.

Thanks.

In order to calculate your outstanding credit card in your total commitment cost, u have to include total outstanding balance of credit card plus 5% of that outstanding amount.

Should you interested to apply RHB mortgage loan, we can arrange an appointment to meet so that I can process for you whether u can succeed apply the loan amount after collect complete documents.

We can meet at KL and Selangor area if you interested based on your convenience:)

Warm regards,
Chin
017-9897887
RHB PJ BRANCH