Dear Xin,

If you want to buy SOHO property under your name, first you need to check is there any other bank commitment costs besides HP. And if your net salary is RM5K, there must be no bank commitment cost exceed 75% of your salary. Therefore, it would be no problem for you to apply loan.

If you want to buy Condo RM480K with your fiancée, the conditions still same as above. Since your joint income is RM7K, therefore ban commitment cost should not exceed more than 80% of the joint income.

It is not advisable to buy property in the same time as the it will be having a difficulty to apply same loan in the same time.

Should you need further details, please do text/call me.

Thank you.

Warm Regards,
Chin
017-9897887

Hi ahtom82,

is should not more than 75% for net income between RM2001 to RM6000. Credit card outstanding is part of your bank commitment cost. So you should include into your commitment cost. If you interested to apply rhb loan service, I can help to check whether it succeed to apply loan.

Thanks.

Hi

75% commitment cost includes credit card outstanding amount, hire purchase instalment and any tied-up bank costs which u have to pay monthly.

You can pass me the complete documents for me to apply and process everything whether you succeed apply mortgage loan.

Actually, it depends on customers whether they want approach developer to help u do or other mortgage consultant do. Of coz if you want me help you do and apply loan, it is my pleasure as I work as RHB mortgage consultant. I do my job to serve the benefits of customers and their clear understanding of the mortgage loan.

If you interested to find me and help u apply and process loan application, it would be my pleasure. But first I need arrange an appointment to meet u to explain. However, if you wish to apply RHB loan service, I can help you

Still, it is your choice to choose either developer, other banks consultant or me to help you:) I hope I can convince you to trust my RHB service provided to you if you interested.

You can contact me 017-9897887 for further discussion.

Many thanks.

Warm regards,
Chin
017-9897887
PJ RHB branchIn order to calculate your outstanding credit card in your total commitment cost, u have to include total outstanding balance of credit card plus 5% of that outstanding amount.

Should you interested to apply RHB mortgage loan, we can arrange an appointment to meet so that I can process for you whether u can succeed apply the loan amount after collect complete documents.

We can meet at KL and Selangor area if you interested based on your convenience:)

Warm regards,
Chin
017-9897887
RHB PJ BRANCH

Hi

This is because credit card is not a monthly repayment and is a lump sum debt with interest rate. 5% is computed as estimated interest rate.

Ur computation is right in order to estimate the commitment cost.

If u interested to apply mortgage loan, i can help u apply the rhb mortgage loan based on ur complete documents and i can explain de details. We can arrange appointment to meet each other as well

I can help u check the mortgages rate based on property value too.

Many thanks.

Hi

There is no factor differentiate profession. Only to ensure whether youare salaried worker or self employed:)

Hi, for shop loan you can apply RHB commercial property financing. As you want to apply 500K loan, RHB offer BLR-215% with MRTA or BLR-2.10% without MRTA. If you interested to apply RHB loan mortgage, u can contact me as well as I work as RHB Direct Mortgage Sales Consultant.

Thank you.

Warm Regards,
Chin
017-9897887