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Mortgage Loan Package Inquiries v2, Loan agents pls read the 1st post!
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peace4ever
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 Nov 6 2018, 11:13 PM
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Getting Started
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Hi I have some questions about mortgage loan,
1. I am looking for second mortgage loan, will it be more difficult to apply?
2. My first mortgage loan is a joint name property total of RM2400 monthly, how does bank assess my second mortgage loan? Will the RM2400 commitment divide by 2?
3. I only have 2 months payslip since i just changed to my new job lately, is it sufficient to apply? if not, what kind of support documents will help?
4. My nett income is roughly RM6100, what is the maximum eligible loan amount?
5. Which bank provide the best rate and what rate is it?
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peace4ever
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Nov 9 2018, 08:57 PM
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Getting Started
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QUOTE(lifebalance @ Nov 8 2018, 12:04 PM) 1. Depend on your income and commitment 2. Yes generally taken as 1/2, there are case to case basis where the commitment is taken 100% by certain banks 3. No issue, can still submit your loan application 4. Need to know the following details Age Gross Pay Nett pay Rental Income Bonus 2015 2016 2017 Monthly Commitment and Outstanding Balance House Car Credit card outstanding Personal Loan PTPTN 5. Standard 4.4% Standard rate 4.4% now, depends on loan amount though. Hi, can help calculate my possible max loan amount? Age = 28 Gross Pay = 7200 Nett pay = 6100 Rental Income = 0 Bonus 2015 2016 2017 = 0 Monthly Commitment and Outstanding Balance House = 2317 (2 person) Car = 0 Credit card outstanding = 0 Personal Loan = 0 PTPTN = 180 Thank you very much This post has been edited by peace4ever: Nov 9 2018, 08:59 PM |
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