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 Mortgage Loan Package Inquiries, (Strictly NO Promotion Allowed)

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WilliamSun
post Jul 19 2015, 04:04 PM

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QUOTE(prema2277 @ Jul 19 2015, 04:01 AM)
Hi there,

I am Malaysia living in UK. Is it possible of me to get a housing loan in Malaysia please? I earn a good wage here and am looking for 90% loan for a property worth RM600k. Please advise.

Thanks
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HI there, are You still holding a Malaysian Citizenship ?
prema2277
post Jul 19 2015, 10:10 PM

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Yes I am
hhhchamps
post Jul 19 2015, 11:16 PM

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Hi,

I am staying in KL and plan to buy a condo in Penang.

Should I get a mortgage banker from KL or Penang?

Btw, the condo name is Taman Seri Sari (Sunshine Garden), price 330K.
ims2628
post Jul 19 2015, 11:21 PM

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QUOTE(prema2277 @ Jul 19 2015, 04:01 AM)
Hi there,

I am Malaysia living in UK. Is it possible of me to get a housing loan in Malaysia please? I earn a good wage here and am looking for 90% loan for a property worth RM600k. Please advise.

Thanks
*
Any commitment with bank so far? At least any Malaysia credit card? Clean ccris abit hard to get 90% loan but can try
ims2628
post Jul 19 2015, 11:23 PM

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QUOTE(hhhchamps @ Jul 19 2015, 11:16 PM)
Hi,

I am staying in KL and plan to buy a condo in Penang.

Should I get a mortgage banker from KL or Penang?

Btw, the condo name is Taman Seri Sari (Sunshine Garden), price 330K.
*
KL easier for you to sign all these legal agreement and home branch is easier for you to follow up for your home loan in the future such as request loan statement, request reduce interest in the future
hhhchamps
post Jul 19 2015, 11:27 PM

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QUOTE(ims2628 @ Jul 19 2015, 11:23 PM)
KL easier for you to sign all these legal agreement and home branch is easier for you to follow up for your home loan in the future such as request loan statement, request reduce interest in the future
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Thank you very much. I am looking for mortgage banker? R u a panel for certain banks?
prema2277
post Jul 19 2015, 11:55 PM

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Clean ccris - maximum ltv is how much?
prema2277
post Jul 20 2015, 12:03 AM

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Any loan advisors? Please pm me- i am keen to get the purchase. Thanks
WilliamSun
post Jul 20 2015, 05:50 AM

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QUOTE(hhhchamps @ Jul 19 2015, 11:27 PM)
Thank you very much. I am looking for mortgage banker? R u a panel for certain banks?
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HI Champs, perhaps I can try to help you out from there. Let's chat in PM if you dont mind.

QUOTE(prema2277 @ Jul 19 2015, 11:55 PM)
Clean ccris - maximum ltv is how much?
*
Clean ccris - can be Case by case basis, and for your case is quite complex abit, so maybe need more input from yourside to justify

QUOTE(prema2277 @ Jul 20 2015, 12:03 AM)
Any loan advisors? Please pm me- i am keen to get the purchase. Thanks
*
Kindly update me when you're ready. Cheers

This post has been edited by WilliamSun: Jul 20 2015, 05:51 AM
ims2628
post Jul 20 2015, 01:45 PM

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QUOTE(prema2277 @ Jul 19 2015, 11:55 PM)
Clean ccris - maximum ltv is how much?
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if clean ccris can try maximum 85%
prema2277
post Jul 20 2015, 07:27 PM

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Thank you. How long does ccris record kept?

This post has been edited by prema2277: Jul 20 2015, 07:28 PM
ims2628
post Jul 20 2015, 08:39 PM

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QUOTE(prema2277 @ Jul 20 2015, 07:27 PM)
Thank you. How long does ccris record kept?
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12 months
aeiou228
post Jul 20 2015, 09:35 PM

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QUOTE(ims2628 @ Jul 20 2015, 08:39 PM)
12 months
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I was quoted 4.4% for housing loan. Is this a reasonable rate ?
yck1987
post Jul 20 2015, 09:52 PM

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QUOTE(aeiou228 @ Jul 20 2015, 09:35 PM)
I was quoted 4.4% for housing loan. Is this a reasonable rate ?
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May I know from which bank offer this rate ?
albhong
post Jul 20 2015, 09:54 PM

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any end financial still can offer 90% loan for 3rd housing loan ?
kerrigan_id
post Jul 21 2015, 10:21 AM

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Hi all..may i know in what condition does the booking fee is not return-able
I have not yet submitted for loan, and decided to u-turn
sss123
post Jul 21 2015, 11:05 AM

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QUOTE(cdspins @ Jul 16 2015, 09:10 AM)
Just for your info, the cost of mrta will always be higher than the saving from the lower interest rate.
It is wort to buy MRTA, that really depends on your age, financial situation and your family needs. If you already have enough insurance, then there is no need, if you are the sole bread winner in the house and this is your first house... then you might consider or even extend the coverage to 2/3 of the loan tenure.
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Proven if just wanna get lower interest rate, mrta is not reslly necessary..i got approval with 4.35% without mrta..

But then can i just check, if we buy mrta for 5 yrs, it only cover for 5 yrs rite? Its not covered for whole loan tenure rite? Unless we buy for whole loan tenure?
sss123
post Jul 21 2015, 11:06 AM

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QUOTE(sss123 @ Jul 21 2015, 11:05 AM)
Proven if just wanna get lower interest rate, mrta is not reslly necessary..i got approval with 4.35% without mrta..

But then can i just check, if we buy mrta for 5 yrs, it only cover for 5 yrs rite? Its not covered for whole loan tenure rite? Unless we buy for whole loan tenure?
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Wats the diff btw mlta and mrta?
ims2628
post Jul 21 2015, 12:10 PM

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QUOTE(aeiou228 @ Jul 20 2015, 09:35 PM)
I was quoted 4.4% for housing loan. Is this a reasonable rate ?
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May I know your loan amount?
ims2628
post Jul 21 2015, 12:12 PM

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QUOTE(albhong @ Jul 20 2015, 09:54 PM)
any end financial still can offer 90% loan for 3rd housing loan ?
*
No way actually. All bank base on ccris report so 3rd housing on loan will confirm slash to 70%, however there's bank willing to offer 70% + 20% personal loan and it should like 90% but the 20% personal loan interest rate very high so not worth it
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