just got approval for my loan from CIMBI..interest 4.55%
good rate?
should I go all-out send the application to all bank?
Mortgage Loan Package Inquiries v2, Loan agents pls read the 1st post!
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 Feb 20 2018, 05:27 PM
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#1
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Junior Member
237 posts Joined: Sep 2009  
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Mar 6 2018, 08:47 AM
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#2
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237 posts Joined: Sep 2009
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Hi, If I want to refinance my existing house and sell the said house in 3-4 years after refinance, how is the calculation for RPGT? calculate from date of refinance or from the first loan?
and if refinance and change from single name to joint will kena RPGT or not? |
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Mar 6 2018, 09:27 AM
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#3
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237 posts Joined: Sep 2009
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QUOTE(lifebalance @ Mar 6 2018, 09:20 AM) If you refinance without changing any name in the SPA e won’t be RPGT incurred. thank you for your reply:However If you do sell your house within 5 years of your purchase date as per SPA then you will need to pay for RPGT If you refinance and change name as well, then depends on whether are you still within the 5 years, if yes then you need to pay for RPGT If not more than 5 years then don’t need to.  so in my scenario, first SPA more than 5 years (NO RPGT) if refinance and add 1 more name in SPA, to sell I need to wait 5 more years right? can joint refinance but SPA remain 1 name? |
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Jul 12 2019, 10:55 AM
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#4
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Junior Member
237 posts Joined: Sep 2009
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Hi,
For project under construction, secure loan for 30 years Total payment to the bank at the end of tenure will be: Monthly instalment X 30 years X 12 Months or Monthly instalment X 30 years X 12 Months + progress payment interest |
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