Sep 25 2018, 03:01 PM
QUOTE(wild_card_my @ Sep 25 2018, 01:41 PM)
Just apply for a new loan for the new house. The issues with refinancing is the 10-year limit when calculating your commitment for the cash-out. You may end up having to apply for a "purchase" mortgage after all if the cash-out portion approvedis not enough
You would need some documents including the ones below. But most importantly is that you have the booking form and SPA/title (if already issued) for you to start with the application. Once the loan is approved then you can start with the legal work (SPA) and eventually LA
Hi Bro, i have a house in Kuching and would like to check if you are able to advise the market value You would need some documents including the ones below. But most importantly is that you have the booking form and SPA/title (if already issued) for you to start with the application. Once the loan is approved then you can start with the legal work (SPA) and eventually LA
CODE
PERSONAL DOCUMENTS
- NRIC front-back (do not cross)
PROPERTY DOCUMENTS
- Booking form provided by agent
- Relevant pages of current-owner's SPA
- Individual/strata title (if available)
EMPLOYMENT/CONTRACTUAL DOCUMENTS
- 3/6 months payslip (6 months for commission earners)
- 3/6 months bank statement
- Latest EPF statement
- 2 years EA form (for bonus calculation)
- Job letter offer (for new employees)
OTHER INCOME DOCUMENTS
- Stamped and valid tenancy agreements (for rental income)
- 6 months Bank statement (to verify rental income)
- Investment passbook/statement (for ASB, unit trusts, Tabung Haji)
- NRIC front-back (do not cross)
PROPERTY DOCUMENTS
- Booking form provided by agent
- Relevant pages of current-owner's SPA
- Individual/strata title (if available)
EMPLOYMENT/CONTRACTUAL DOCUMENTS
- 3/6 months payslip (6 months for commission earners)
- 3/6 months bank statement
- Latest EPF statement
- 2 years EA form (for bonus calculation)
- Job letter offer (for new employees)
OTHER INCOME DOCUMENTS
- Stamped and valid tenancy agreements (for rental income)
- 6 months Bank statement (to verify rental income)
- Investment passbook/statement (for ASB, unit trusts, Tabung Haji)
CODE
Details to check property value
Name:
Full address:
Type of property:
Built-up area:
Land area if applicable:
Renovations/extensions done to the property
Cost of renovations/extensions:
Expected market/price/asking price:
Name:
Full address:
Type of property:
Built-up area:
Land area if applicable:
Renovations/extensions done to the property
Cost of renovations/extensions:
Expected market/price/asking price:
the reason is i am intending to cash out to pay for 30% down payment of the house i am intending to buy.
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