Hi All,

Want to know what is max loan amount (or property value) that I am eligible for my below info.

Age : 30
Month Salary : RM5000 (Gross)
Car Loan : RM1040
Other Commitment : NIL
Yearly Performance Bonus : 4-6 months (EPF and Tax deducted)

Preferred loan tenure of 30 years or 35 years.

By the way, do banks recognize the yearly performance bonus as part of the income?

Thanks for your advise.

Hi All,

I'm planing to buy a property in a few months time. My current gross salary is 3.5k. May I know what is highest property value that I can purchase? And I am currently 19 years old, am I eligible to purchase a property under my name with my mother as a guarantor or do I need to joint name with my mother? Sorry, I am very new to this.

Thank you,

Best regards

Need some help here,

1.Borrower
-age – 30
-No. of borrowers - 1
-no. of housing loan – 1 (REFINANCE)

2. Income (borrower)
- Gross salary
A: RM 4500.00
-Variable income for business (6months latest) - none"
-OT - none
-Fixed allowance - none
-Variable Allowance (6months latest)-none"
-Bonus contractual (1 year bonus amount) - none
3. Supporting income (borrower)
-Tenancy agreement rental (12 months) - RM3500.00 per month
-ASB ( 2 years total DIV) - none

4. Debt / commitment (borrower) "joint or indiv"
-Hire purchase loan (Borrowed amount) - RM103,000 (rm1200 mthly repayment)
-Housing loan (Borrowed amount) (Joint or indiv) - Joint Loan - rm1400 per month (REFINANCE)
-Personal loan (Credit limit) - none
-PTPTN (credit limit) - rm230 per month
-Credit card (Outstanding/usage) – rm 1000 per mth /8mths left
-ASB loan ( credit limit) - none
- Overdraft ( Credit limit) - none

4. Background (borrower)
-Occupation – Electrical Engineer
-Years – 5 years
-currently staying at? parents home.
- Married with 1 daughter – Wife is housewife.

5. Property – Desa Putra condominium at Wangsa Maju
- Current Value - estimated RM700k
-subsales or underconstruction – underconstruction and compeleted 2007
- freehold or leasehold – leasehold
- 1 borrower or joint borrower - joint borrower
(Currently My MUM 1st Name, Myself 2nd Name and My sister as guarantor.)
-Balanced loan – estimated -RM200K - interest rate -6.55% -Alliance Bank -35 years

*I want to refinance this unit to 1 name if possible (under my name) what are the best rate and how much the maximum loan that I can get and cash value.

my agent submitted to 3 banks (MBB, PB, CIMB) so far CIMB called me for verification & interview and next day got approved. PB & MBB yet to call.

if i want to submit to other banks, what docs shud i prepare? or can i ask my agent to submit to other banks? i.e UOB, HSBC, etc?

Dear,

May i know, what is the loan interest for 130k loan?

wanna try PB,mbb what do u recommend?

Dear,

Let say owner selling property for RM 130 K but the Bank Value is RM 160K,

If i buy this property,

1) If after 1 year i want to refinance(If Bank Value is RM 160K) Does it mean i can get 30k money? 

2) What is the charges for refinance? have to sign a new agreement? stamping ? Just want to know the process

I am looking to refinance my property. Pls pm me

If there is anyone from CIMB or representing CIMB, please do PM me. Looking for a Top Up / Refinance.

Income is good, installment is less than 35% of net income. No car loan, 1st house already covered by rent. Already provided tenancy agreement and proof of rental income to bank. Yes it came with mrta, around 10k, factored into the loan. Car park lot rm25k is also included into the loan. I assumed the mrta will help me get better rate.

Yes only pbb. I'm still thinking if I shud just pick this or start applying other banks.

In terms of repayment. I would be paying an extra 15.8k at the end of the day with 4.65% compared to 4.45%. What do you think?

any bank offer Zero financing cost for 250k loan??

Hi I want to ask.
Me and my bf want to buy the apartment (new) from subsales, 350k
Our salaries total 8000, car loan 800 total per Month.
I m working with goverment, he is under private company.  Will we be able to apply the for 100% full loan?

Hi guys, me and my gf wants to buy a 700k house. Just want to determine how much loan we can apply for. Salary is around RM6000+ SGD$5000. Can someone let me know how much we could borrow from the bank? And If my salary in SGD going to be a problem?

Thanks!

Hi Madgeniusfigo,

1) I current earns a gross salary of RM3800 per month and do not have any outstanding commitments and debts. What is the max house loan eligible for my situation?

2) Besides, I would also like to enquire if bank will approve loan to fresh grad who is still under 6 months probation?

3) Lastly, can you briefly explain the pros and cons of joint loan.

Thank you for your time. Appreciate your expertise.

Got few question to ask:

1.) Is this year housing loan rate better than 2012 / 2013 / 2014?
2.) Would it be wise to do rate check yearly? As my housing loan is with HSBC now, would like to switch to PBB.
3.) How can I check my loan policy, whats the rate currently? Even rate monthly charged me for 2015?
4.) For point no.2, would there be charges if i switch my housing loan from Bank A to Bank B?

hi,

got a offer from maybank,
loan 360,000+ 15,000= 375,000,
27 years
interest rate 4.85%

is it high or low? thanks

n

Hi there

currently i buying for my 1st house for 300k and bank told me that i in grade B since i dont have cc,PL,car loan and so on.

there gave me loan for 80% margin ,30 years and charge 4.75% interest. my salary is rm 4050. need some advice which bank can offer me 90% margin in my current grade.

tq

If i put my wife as second name and apply loan using my name possible if 2 of us buying second or third house with 90% margin?