Hi all, I would like to ask whether with this financial situation is able to get 90% loan for subsale purchase of 353k and if so anyone can tell me each bank can provide flexi loan of how many % interest and also monthly installment for 25 and 30 years. Feel free to pm me.

28 years old,
Basic salary 3263
Car subsidy: 42.70
Monthly bonus : 408
Total income 3713
Car loan 617: (1 and 9 months left)
Credit card : always pay full amount when the statement comes
No other personal loan or debt.

if add on someone around age of 35 which is working and getting steady pay will help ?

my loan agent told me when i sign with hlb it was 4.03+0.52 but then government change so their br become 4.13+0.52, then now drop 0.25, so become 3.88+0.52.

can bank br change without bnm change their opr? i didnt even know bnm announce increase of 0.1% opr at all

This post has been edited by darkterror15: Oct 1 2019, 07:24 PM

yes, i also did some digging only find out in january 2019, they raise their br by 0.1, same as bank islam rhb and cimb, without even informing the loan borrower. thats why i find it weird why this may -0.25 only reflect on my loan as -0.15 because they secretly increase 0.1 by january.

is not even shown in any newspaper. googling only give me few result return on the increment.

hi sifu, if the house is still under construction (usually 2 years), but the bank already charge payment, the payment all will go to interest or some will actually go to principle ? will they revise the interest amount after the house completion?