Hi guys,

Any idea which bank is the most lenient when it comes to house loan, as in they can go to a higher DSR (debt servicing ratio ) ?

Will appreciate if you all can share

If you don't have the ability, give you up to 100% also you will suffer.
Once you buy a house for own stay, utility bills, assessment bill will add up. Not to mention repair cost if got problem.

rhb.. salary >6k can go as high as 80%

80% of gross RM6k or 80% of nett RM6k?

HLB...I Just got mine approved. Some more offer the best rate among others

CIMB RHB I remember allows DSR up to 85% provided you meet the NETT income of 8000 and above

If I am not wrong, for those income more than 10k and got asset more than 1m, then can go more than 100% DSR.

Rich will get more leverage.. poor will get less leverage

Must b net

You mean if a guy with RM15k salary, they can get a house loan with monthly instalment of RM15k ?

Serious? Mind to tell which bank?

Seriously?..BNM should love to check Bank credit policy if it's true..or maybe some deviation involved in this case

yes. High DSR provided to everyone that have RM 1M asset in FD/property that finish loan.
MBSB quite lenient, but interst BLR -1 la..

Next time to mention together that they will charge very high penalty even default for 1 month.
For normal banks, the penalty will be about rm0.10-1 a day but MBSB is charging rm1200