Hi bankers,

I just recently follow this forum 1-2 months ago when I started to look for a house for my own stay. Really learn alot after following the threads. I am having difficulty to get house loan that I need to give up my purchase of my dream house 

To be frank I just clear my name from ccris and ctos. I only owe rm2k and i being put in such situation. I am not sure all the while even after clear the outstanding we can't apply for any loan. Most of the banks told me that bank negara recently very strict in giving out loan and I will need to wait for a year only can try to get loan again! Seriously after a year I can't afford any house at kl anymore as the cheapest now is more than rm500k. May I get any other solutions to get the house now! PLEASE HELP!!!

Regarding top up/refinance, the maximum tenure only 10 years?

There are forumer talking this topic here. But nobody has the final answer.
https://forum.lowyat.net/topic/2889496 ( May i know now top up loan still can go for 35 Yr?, Top up & Refinance)