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 Mortgage Loan Package Inquiries v2, Loan agents pls read the 1st post!

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dorothy2010
post Feb 27 2014, 02:16 PM

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QUOTE(wayneraul @ Feb 25 2014, 09:58 PM)
looking for housing loan roughly 280k KL area. current offer BLR -2.3%. Pls pm me if any banker here can offer better rate. thank in advance.
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hi, blr-2.3% for loan 280K is a good rate already. hehe...

QUOTE(jam_lennon @ Feb 26 2014, 12:07 PM)
would like know whether can get 90% loan or not, it is 2nd house

gross income per month: 6400 (fixed salary)
commitment per month: rm650 (1 x housing loan)
house and valuation value: 700k
cc debt: 0 (clear everymonth)
jobs: assistant mgr @ finance institute
age: 32
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hi, only 3rd residential house u can only apply 70%.2nd house is ok.

Loan Amount: 90% will be 630K
Rate : BLR-2.4%
Income= 6400-16%(deduction)= net income around 5.3k
New Loan =35 years ( since you are still young, 32 years old) monthly instalment is around 2.9k
Commitment is rm650.

So, 5.3k-2.9k-rm650= Available fund for your living RM 1750
So DSR is around 66%. Since your income is more than 5K, DSR is acceptable within 80%.
Conclusion, you are eligible for 90% loan.

I can help you to apply through my bank if you are willing to. haha

QUOTE(idobez @ Feb 27 2014, 02:07 PM)
Hello Bankers.

I calculate my DSR, and I got 11%.

Is it true that too low DSR will affect the housing loan application? This is my first home.
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Erm...may i know how much is your property? you can try to apply 100% loan for my first home scheme as long your income is not more than 5k.
dorothy2010
post Feb 27 2014, 04:15 PM

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QUOTE(idobez @ Feb 27 2014, 03:47 PM)
I plan to buy 500k house. My gross income RM4200. My nett income is RM3700. So, that makes me entitle for 100% loan issit?  nod.gif
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erm....can only buy 400k house for the first scheme. but you are still qualify for normal package...90%. as long your DSR is within 60%, then there are no problem for your loan approval.
dorothy2010
post Mar 3 2014, 10:52 AM

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QUOTE(bluebay @ Mar 3 2014, 10:21 AM)
a general question..
If earning 4k++, with existing outstanding mortgage of 200k, can still get another mortgage of 300k?
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hi, how much is your current mortgage monthly instalment? And do you have any others commitment like car loan, credit card? s o that we can evaluate for you.
dorothy2010
post Mar 10 2014, 07:07 PM

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QUOTE(TheSecRet @ Mar 10 2014, 11:46 AM)
My nett income is around RM2800

Worked as professional worker in business field.

Is it possible for me to obtained a 300k loan under first house buyer scheme?

I have no car installment and have one credit clear whereby outstanding is clear out every month. However there is one month i pay late because i forget to pay. Anyhow i clear my oustanding everymonth for Credit card.

Am i eligible for the loan?
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yes. u r qualified.
dorothy2010
post Apr 9 2014, 04:17 PM

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QUOTE(almeizer @ Apr 9 2014, 02:30 PM)
Hi all,

I'm selling my property now. But is there a way to get initial valuation for my property (verbally) so I deal with the buyer easier.

Currently Public Bank provide the highest valuation but still 10k lesser than my asking price. So far I had checked with Public Bank and Alliance Bank only.
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Hi do u mind send me your address so that I can check my bank valuation. tq...

QUOTE(pakutekan @ Apr 9 2014, 03:27 PM)
im searching mortgage loan for apartment at klang.
this is my 1st house, price 110k.
banker pls PM me.
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hi, what is your address, could u send me to me. so that i can check the value for you. you can tried to apply under first home scheme.
dorothy2010
post Apr 23 2014, 10:43 AM

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QUOTE(ssnowyss @ Apr 22 2014, 07:07 PM)
Hi, I have enquiry,

Gross Salary RM7k
House price RM515k
which bank mortgage loan suitable for me? looking for 100-90% house loan.

Appreciate your advise.
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Hi there,

90% will be RM 463500
Let say you are qualify for maximum tenure 35 years, and BLR-2.3%, your monthly instalment is 2136.90.

Your gross salary, assume that there are 16% of deduction of EPF and tax. your net income is 5880.

Your DSR is only 36%. So now worry that you will not get the loan.

If you think of 100%, sorry you are not qualify, as first home scheme only for property value not more than 400k.

But for certain bank, you can apply up to 90%+ MRTA + Legal Fees. Hehe...

If you need me to apply loan for you, feel free to let me know ya.
dorothy2010
post Apr 24 2014, 12:07 PM

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QUOTE(ckl427 @ Apr 24 2014, 11:35 AM)
Hi, Please advise:

Two person gross Income: RM 6000
Nett Income: RM5000
Current Loan: none
Credit card: No outstanding every month
Status: Both Single
double storey House: RM600k

-1st Time Buyer
-Plan to loan 90%
-Never late for repayment in the past.

Please advise could we get the loan based on the info above?
and what is min. loan amount we could loan? Which banks loan is more suitable for my case?

Thanks.
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Hi, your DSR will be within acceptable level, if you borrow for 35 years. I think all banks are suitable for you.
dorothy2010
post Jan 6 2015, 03:53 PM

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QUOTE(DanAct @ Jan 3 2015, 04:27 PM)
Hi,

would like to inquire how much loan amount I could get from banks.

Age: 24
Gross Salary/mth = 4.4k
Credit Card outstanding this month = 350
No other loan repayment commitments

Is it possible for me to buy a 500k residential property (first house) ?
hmm.gif  notworthy.gif
Thanks in advanced!
*
Hi, you are still eligible to buy.

500K
90% is 450K
monthly installment if 4.45% interest rate : RM2115.74
C.C RM350
Your DSR is still within <60%.
dorothy2010
post Jan 13 2015, 10:36 AM

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QUOTE(tigerm3 @ Jan 13 2015, 10:06 AM)
Hi guys

Im looking for an advise here.
This will be my first property.
Im looking is there any way or method to get 100% loan ?

Age: 29
Basic salary : 3000
FIxed Allowance : 650
Ptptn : 19k with monthly paying Rm175
Currently staying in a rented room : 700
Property value that im looking at: 532k
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Hi, property value can be only 400K for first home scheme 100% loan. But I have read news that government has increased to 500K.
dorothy2010
post Jun 29 2015, 11:44 PM

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QUOTE(hakawei @ Jun 19 2015, 09:03 AM)
Hi b-kwon:

May i know which bank offer top u loan with 35 years?

My current loan with ocbc and maybank does not allow for top up loan 35 years.
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Hi, I am Dorothy from CIMB direct banker. My bank offered maximum 90% + 5% ( legal fees + valuation fees + MRTA ) for refinancing and also maximum tenure 35 years or up to 70 years old whichever is earlier.

Kindly contact me via 016-6634013. TQVM

Regards,
Dorothy
dorothy2010
post Jun 29 2015, 11:45 PM

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QUOTE(imwatchingu @ Jun 29 2015, 07:16 PM)
hi all,

i had a house at kota damansara and buyer is ready .loan need to apply any bank officer around here ? pm please thanks.
*
Hi, you can contact me via 016-6634013 for your buyer loan. We offered 100% fully flexi loan ( one account ). TQVM
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