Mortgage Loan Package Inquiries v2, Loan agents pls read the 1st post!
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 Apr 13 2014, 01:35 PM
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#1
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Senior Member
827 posts Joined: May 2009 From: Hometown - Ipoh  
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Hi Experts,
Gross Income: 6k Nett Income: 5k Current Loan: Car Loan 883(3 more yrs) + Personal Loan 400 (few more months left, in fact it is overpaid juz waiting for it to expire) Credit card: No outstanding every month Status: Single 1st Time Buyer Property : 370k High rise (90% would be 333k) Never late for repayment in the past. Can get the loan for this? |
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Apr 13 2014, 01:59 PM
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#2
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Senior Member
827 posts Joined: May 2009 From: Hometown - Ipoh
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QUOTE(FortuneClub @ Apr 13 2014, 01:40 PM) This profile no problem can get 90 percent n 35 years repayment ooo ~ forgot to mention age 32 (calendar year) and 31 (technically). |
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Apr 15 2014, 10:46 AM
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#3
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Senior Member
827 posts Joined: May 2009 From: Hometown - Ipoh
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QUOTE(Pangtc @ Apr 14 2014, 05:16 PM) Hi Zenjet, I never knew DSR is calculated that way ~ I thought DSR must <50%. based on your info given, your profile is eligible on max margin which is 90% and below is how we conclude: Income : 5000 Commitment: 883 + 400 + 1629 (based on 333K loan amt @ 30 years tenure) = RM2912 DSR = 58.24% Bank guidelines: <70% (MBB, OCBC, HLBB, Alliance, AIA) Of coz, it is still subject to your credit checkings. Thanks I'll try pre-check again with the banks. Thank you.  |
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