Hello!

1. Okay, will get back to you with the valuation. But I need some input when it comes to this property:

a) What is the house type? Is it a double-storey terrace intermediate or what?
b) What is the expected selling price?
c) The 1200sf that you gave is that the built-up area (area in the house) or the land area? If it is one, then what is the other? Need this for valuation
d) Is there any renovations and extensions done to the house, please be detailed.

2. Okay, so the CTB is a CityBank credit card right? I assume you pay at least minimum on time every month? If yes your credit record should be good then.

3. 100% loan is my speciality. I have done a number of such cases. Let's do this 100% loan.

4. Your gross is RM2600, then I think your net income is roughly RM2300. Correct?

5. Are you below 35 years old?

6. Magic below. So lets do this. I have multiple banks under me, I will give my best shot to help you:

Your net income? Okay

But at your salary, you can probably get about RM340k worth of loans. If it is RM400k it is going to be a little tough unless you have extra income in the form of:

a) Rental
b) Bonus within the past 6 months
c) Investment dividends consecutively in the past 2 years.

Hello Kenyawood,

1. Yes, the bonus can be included into the income calculation, thus increasing your maximum loan amount

2. No, I have not gotten the market value. I would need the information listed above before I can run the house with the valuers...

Can you get the info for me?

None from my side. If there are banks offering 40 year tenure do share. I would like to know too