Mortgage Loan Package Inquiries v2, Loan agents pls read the 1st post!
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 Nov 28 2019, 10:55 AM
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#1
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Junior Member
248 posts Joined: Oct 2013 
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Hi all,
Currently wanted to apply loan 90% for RM574k. Gross about RM5200 PTPTN: RM112 Credit Card: RM4000 (converted to monthly payment) Can it be approved? what interest will i get? |
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Nov 28 2019, 11:24 AM
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#2
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Junior Member
248 posts Joined: Oct 2013
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QUOTE(lifebalance @ Nov 28 2019, 10:57 AM) If its' based on 35 years loan, should be okay. what bank is good to get that 4.15% interest? Lowest is 4.15% depending on your credit score and overall profile.  Thanks for the reply. |
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Dec 3 2019, 11:17 AM
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#3
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Junior Member
248 posts Joined: Oct 2013
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QUOTE(lifebalance @ Nov 28 2019, 11:58 AM) PBB, MBB, HLB Hi, i have been informed by PBB that if the money not fully released to the developer, I can only pay the interest. Means I cannot pay more to reduce the principle before loan actually start?thanks. |
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Dec 12 2019, 01:13 PM
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#4
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Junior Member
248 posts Joined: Oct 2013
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Hi all,
I am about 24 years old. Is it okay that I take 25 years MRTA instead of 35 years? Im planning for early settlement as well. |
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Dec 13 2019, 08:52 AM
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#5
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Junior Member
248 posts Joined: Oct 2013
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QUOTE(lifebalance @ Dec 12 2019, 03:11 PM) MRTA doesn't work that way, if you take a 25 years coverage, the coverage will reduce faster than the loan, you have to take the MRTA tenure the same as the loan tenure. Noted. But if take 35 years and it will be calculated in the loan which means more interest right? |
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