Hi all,

Appreciate if you guys could share my loan eligibility. Looking to buy a house with the price of RM479,900 with 90% loan. Details as below:

Age: 28
Gross pay: rm4305
Nett pay: rm3894.25
Rental Income: 0
Bonus: 0.7month only in 2017 (sad)

Commitment
House: 0
Car: rm730
Credit Card outstanding: rm0 (but got 2 installments worth almost rm5k - if needed, i will make settlement on one of the items worth almost rm3k)
Personal Loan: rm0
PTPTN: rm0

And one more question, actually currently i have another job offer and i would probably tender my resignation soon. Would it affect my loan approval if I were in resignation notice period?

Thanks in advance guys for your help!

Thanks for your answer. Would it help if I were to make the settelement on one of my credit cards installment?

On the resignation, do i require any guarantor to make it easier to be approved? Or do I need to do joint loan with my wife? She is also working and earning about rm5.5k gross income. No credit card and only car loan of Rm470 per month.

Thanks.

Thanks a lot guys. Your explanations really help in understanding the house loan eligibility in general. Pray for me that my loan application will go well. Thanks again!