Jul 15 2013, 05:48 PM
QUOTE(DrPitchard @ Jul 9 2013, 09:48 AM)
Wow, interesting info. May I know your source of info? From what I understand, the DSR would heavily depend on additional supporting docs, and not the income. Thus, one can have RM8k nett income but DSR capped at a low level, 60% maybe, because there is no supporting docs such as fixed deposit statement, Amanah Saham...etc
Its from my bankers when I enquired from them (CIMB, HLB, HSBC, RHB). UOB one is confirmed by the manager, HLB banker told me net worth >1mil they offfer up to 150%
HSBC can still get 85% with 8k nett income (before commitment)
Of coz the more your saving is, the higher the DSR can fetch
QUOTE(Fat3Twister @ Jul 10 2013, 02:09 AM)
If you are talking about high net worth customers or commercial customers, yes, it does happen.
But come back to common consumer clients, HLB's DSR guideline is at 70%.
I will appreciate if you are willing to share your source that most DSRs are measured with income.
As from my guidelines from few banks, I don't see that.
Standard still 85% for income >10k, confirmed by my HLB banker. I find good banker can really push the DSR higher (not by the book). When they do recommendation its adjustable based on your profession, age, income level, years of working, saving etcBut come back to common consumer clients, HLB's DSR guideline is at 70%.
I will appreciate if you are willing to share your source that most DSRs are measured with income.
As from my guidelines from few banks, I don't see that.
QUOTE(ecin @ Jul 10 2013, 09:44 AM)
Just for sharing, recently there was a case I know customer abt 15K p mth, HLB allows for DSR 85%
Yes, you are right ecin
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my advice is start saving and make bank beg u 
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