Hi all,

I need some advise on this

Me and my gf decided joint name to purchase a sub sale apartment in Puchong and the price is RM 270k.

My
Gross Salary - RM 3500
28 yr old bachelor Engineer.
Current committment - None

My gf
Gross Salary - RM 2800 (Just change job recently, working in new company for 2 weeks)
26 yr old.
Current committment - None

Both of us do not own credit card and not borrow any loan before. Mean we don't have any ccris record. Can we still get a home loan of 90 % from bank ?

Appreciate if anyone can help on this matter. Thanks

What is the bank that can offer loan margin at least 85% where I have no credit commitment at all. Car is cash, no credit card, no personal loan, nothing ?
I have already try cimb, rhb, allianze, public bank, citibank, uob, hong leong.
So far, citibank already inform me that the max loan margin they can give is 75% only.

Yes. I know about it. But now the world has changed right ? Last time the convenience point of credit card is cashless. everything can pay by a small plastic card. But now we have internet banking and debit card which can replace the role of credit card, what for we need to apply credit card if we dun think is necessary ? For car, why must buy a new car if i can use an old car from my parents ??

I'm 28 years old. Working for almost 4 years.

But now i wish to purchase my first home and i need to get the loan. Anyway to solve this ?

Thats y i'm facing problem now when i want to apply loan. So many stages that need to pass.　Ｉ　ｊｕｓｔ　ｗａｎｎａ　ｇｅｔ　ａ　ｓｍａｌｌ　ｈｏｍｅ　ａｌｓｏ　ｓｏ　ｄｉｆｆｉｃｕｌｔ．