sorry what do you means by adjust the house value to higher price but they will lower the house loan %, you means mark up loan? if mark up loan you have to get agree from owner side she or he might need to pay extra rpgt for this. and higher loan amount your loan legal fees might more expensive

means this property is not under bank value, you have your right to refuse to purchase this house actually, if you're not willing to top up the balance. sometime some agent want to under cut the buyer downpayment as their commission so they're trying to sell higher than the price owner expected

This post has been edited by ims2628: May 28 2015, 10:04 PM

why as not just directly go for rhb bank? since you prefer mlta, and actually rhb bank full flexi is without any service charge and monthly fees.

Which bank you had submitted? And what's the loan amount?

Which bank you had submitted? And what's the loan amount?

Yes but depends on what type of land. normally won't be more than 50% for loan margin. Interest rate normally is the same but not all bank will finance land ya

for loan agreement, master title, strata title or individual title, state, freehold or leasehold all will have some slightly different for the charge.

Islamic loan for documentation fees is more expensive than conventional loan, although there will be discount in the stamp duty part.

i'm not familiar with snp so can't give you advice on this, while for stamping for loan legal, valuation fees and loan legal fees all should be budget around 2% from your loan amount.

yes if it's your first house then stamping will entitle for 50% off

There's a way to count loan legal fees.

First 150k is 1%
Next 850k is 0.7%
Next 2 mil is 0.6%

hope it help

For normal loan agreement you can request up to 50% discount from legal firm, normally its around 30%. maybe you can try request until 30% as i think 20% its quite less to be frank.

Thanks feel free to contact me if you have any inquiry about mortgage loan

Hmm maybank key in? that's nothing related to the firm charging rate. any extra value which you had finance in your loan you can either request deposit back to principle of loan account or request lawyer firm side issue back cheque to you.

Normally in 14 working days you have to make sure your loan is ok and proceed with sign Sales and purchase agreement, if you signed the house loan you means you had sign the letter offer? once you sign letter offer if the deal is call off the letter offer penalty normally have to be bear by the owner as it's their fault as they want to cancel the deal out of sudden. Letter offer penalty should be around 2k it will stated inside your letter offer. even agent commision also have to be bear by owner, it's nothing to do with your side. Bank will not blacklist your side for canceling the deal just that once you sign letter offer and suddenly call off the whole deal there's a penalty charge for processing fees.

letter offer is once you accept bank offer the document that you sign. booking form is totally different thing, booking form is issue by the agent, you have to use your booking form for loan application with bank.

Yes few bank allow to do so. But property price is selling 400k bank loan margin max only 90% which is 320k only

You means sales purchase agreement with both name and loan on your gf name only right? Yes there's many bank accept these third party loan.

First homes buyer can try skrim rumah pertamaku. But must met all the requirement la.. Most bank accept skrim rumah pertamaku which is 100% loan

What's your nett monthly salary after deduction of epf socso and pcb?

depends with bank, but she's clean ccris? don't even have credit card?