Hi all loan consultant, I am looking for housing loan and consultation on the amount of loan for a few potential properties. I also want to compare a few loan packages currently offered by banks. Please pm me if you are interested. Thanks.

Hi, Want to borrow loan from bank under my name + gf name. But the income is from my sole proprietor bank acc. Can i use my name borrow and submit my company bank statement??

Hi, I have few question to ask, hope can seek some advice from tai kor here.

1. If the tenancy agreement (TA) is under my name, loan under my wife name, can I use the TA as a supporting for my loan application?!
Yes,you can,subject to the TA is stamping and not yet expire.

2. My wife & I have a house under our name, which already been settled, I am using my name only for TA, say the rent is rm1000 per month. When I pass the docs for a new loan application, would the banker take the full or half rent for this?!
HLB will take 80%.

3. If say I have a very full quota on my mortgage loan under my personal name. Can I use my running company, Sdn Bhd to apply for the commercial property. As normal practice, they may need a director guarantee on the new loan, on my case, would my personal affect on my this company loan?!
under HLB,we will take guarantor income and also commitment to calculate,will be the same thing.

4. I am looking for a experienced senior banker or good mortgage firm to help me on the planning for my coming next property purchase. Can u pm me your contact.

Anyway, thanks!

Hi, not sure this is the correct place to ask such question.

I have a mortgage plus full flexi loan account from HLB, I made advance payment but then today I check, the advance payment amount added into my outstanding balance amount, can I know is this correct?

Thanks!

Hi bankers. I would like to enquire if its possible to apply for a home loan based on my current situation. I have been employed with a government agency this past year and half, and have just left my job at the end of may and I'm starting at a new private company from 2nd june onwards. I have my latest 3 months salary slip from previous employment as well as Offer Letter from new/current employer. Will that be enough for me to apply for a home loan? Ofcourse, I also have supporting documents EA forms etc.

I was told by a banker friend that the bank requires three months latest salary slip from current employer therefor I wont be able to apply for a loan now. Any truth to this?

Also, Im only interested in applying for a 50% loan as the other 50% will be paid as downpayment.

thanks!

Hi , banker

2013 BE - total 86,000
Tax 2013 -5500
A.) 2014 nett income

Basic Salary - 6800
Fixed Allowance -1050

Total 7850

EPF -750
PCB -750

Nett income = 7350

（ years bonus estimate is 10k & I am one of director in my company )

B.) Commitment

Home loan -(joint name ) 600
Personal loan ( RHB )  -500 
Credit card ( Citibank ) -800
Credit card ( Uob ) -700

Total commitment  2600

Currently I am 34 years old .
I plan get my second and third house for investment purpose . any one can calculate max loan for my salary ?

Hi, I would like to ask a question.
My father and I planned to get a property together under joint name and joint loan. This will be my first property and my father's 3rd property.
How much will the margin be? at 70%? or 90%?

Please do PM me.
Thank you.

If gross salary is rm3500 with no other commitments,how much housing loan can get?

Seeking for banker whom can assist in preparing documents.

Having own business but less than 2 years, is it better if pay for EPF and apply for loan? How long need to pay for EPF to proof sufficient income to purchase property?

Plan to buy property below 400k , new development, investment purpose. Contact me via whatsapp 018-9880119. CIMB banker or banker from easy approve loan bank. Thanks.

Hi. I'm not sure if this is the right place to ask. I would like to apply for loan to buy an apartment. Is it possible to do so with my record working with 3 company, each company for 1 year. Meaning I have been working for 3 years. Do bank accept application like this?

Not yet, thats why insufficient document,

Hi.

Can any banker help me?

My husband already has 2 active house loan with his name on it.

We want to buy a new house and I plan to have my name only for this new home.

Will this house be considered a 3rd house still?

I'm afraid I cant get 90% loan if considered 3rd house.

I hope it will be considered 1st home since I never have any home loan before.

Tq.

hi there,

i'm planning to refinance my property.
D/S 18x65 Taman Tasik Prima Puchong ( lake Vista)
but I have one problem.

My house loan is under my wife and her sister's name.
her sisters house loan is under my name n her name.

Now i'm planning to refinance and change it back to my name so both of us can switch back to own property.

I have 2 cars loan as a commitment.

Is it possible for me to refinance my house?

Anyone willing to guide or advise>>>>
Thanks in advance to all kind one's.

hi to all loan agents ~ have some inquiry here. If let say me and my wife gona join name to puchase a property, our house hold income will be around 9k, may i know how much loan we can get ? let say commitment is 2 car and one unit apartment loan repayment, total comitment = RM3100

means our house hold income - commitment still can loan up to 800k ~ 900k ?