Hey everyone, newbie homebuyer here,

Just wondering.. when taking credit card debt into dsr calculation, do they look at your outstanding balance or the amount that u pay (as shown in the bank statement) or 5% of current balance?

Sounds silly for me to ask this question since it already mentioned debt in dsr, but.. the bank doesnt ask me to present my credit card statement, but my bank statements instead. So.. just wondering the logic behind it.

Another question is.. i have 5 cc, and actually sometimes/75% of the time, the total amount to pay would exceed my gross salary + monthly allowance, but i always pay it off (leaving no outstanding balance) cuz actually... 2 out of 5 cc i applied for my dad, who does the groceries/utility bill, so he would use my cc and pay it back to me after i informed him that my cc statement is out. Would this.. negatively affect my ccris a lot?

hihi, is it true that it doesnt matter which physical bank you go during applying & signing the loan agreement?
What happens if I choose a semi flexi and I want to put in money to settle my principal earlier or to withdraw from the loan account? Can I go to any branches or I have to go back to the branch that I applied and signed the loan agreement?
And are there any other reasons of choosing a closer branch for house loan agreement?

And how do I identify in a product disclosure sheet/from the website whether this loan agreement is a semi flexi house loan? I have tried looking at Public Bank 5 Home Plan but i cant find any info about it being semi flexi though Ringgitplus claims it to be semi flexi.

And.. for the case where the loan is only under my name, but the house is under me and my gf's name, is there really a term called third party loan in my gf's case? If it's true, then does it mean that she will need to prepare all those documents needed for house loan as well as the bank checking her CCRIS? And this would affect my house loan application?

During my application for house loan:
1. Is there a need to get the vendor's house title & latest assessment for the lawyer to do a draft SPA so that it increase the chances of my bank loan application being approved? If it does not, then is there any reason why my lawyer is asking me to get these docs from my agent urgently?

2. How long does it take for my loan application to be approved? What factors would delay/make it faster my loan application from being approved?

3. How many days off work should I prepare in advance to handle all these process during house loan application?

4. For the gist of the house loan application process, the bank would just check all the docs and my CCRIS (I dont have to prepare this right?) only or they would need to do the valuation report as well? Or there are even more steps to go through?