Hi

I'm a fresh graduate and have started working few months ago as an Intern, but last week, I was offered to be a permanent staff, Executive Assistant with an income of RM2000 + allowance RM300. I have a side income business where I earn a minimum of RM1000 per month.

Cut the story short, my eldest sister and I would like to buy 2 houses (2 story terrace) price at around RM480k each (Total RM960k) and apply joint loan. We are planning to borrow around RM650-700k because we already have some money, parents' saving + KWSP.

Any agents would like to make an offer?

Or advice?

Would there be any problem for me to apply a joint loan with my sister because I just started working (as permanent staff) this October. I will get my first pay slip at the end of October.

Thanks.

1. RM5000+.

2. No. It is actually a dropship business. I get commission every time I make sales. I've been doing it since early 2011. My boss will bank in my commission on monthly basis to my saving account. Below are my commission for the past few months in random order.

RM1704
RM981
RM1483
RM1492
RM1317
RM847
RM2778
RM1694
RM1484

To be safe, I prefer if you calculate my side income business as RM1000? Currently I'm saving a portion of my income in Unit Trust. RM300 since early 2012. Starting this month, RM300 + RM200 in two Unit Trust funds.

3. I'm turning 23 years old this November. My eldest sister is 38 years old.


Question:

My sister is working at Affin Bank and she is thinking of taking Affin's staff loan, does staff loan usually offer better deal? She gonna find out / ask about the staff loan tomorrow BTW.

Thanks.

This post has been edited by saffa: Sep 29 2013, 11:20 PM