Hello gents. MRTT is compulsory for loan or mostly optional? I have a life insurance have been paying for the past 5 years which payout should be more than enough to cover loan. Is it advisable to opt out of MRTT? Loan around 600k

Not true from my experience, if your credit profile is good and have a decent coverage of life insurance already, the banks will usually reduce their insurance requirements in order to seal the deal.

Hi, i looking to buy my 1st property, recently received some agent told me have installment subsidy from government to 1st house purchase, which some of the agent claim 1st few years installment -rm500, and follow normal rate, even got 1 agent told me full subsidy for 35 years, but i online unable find relevant info, and 1 can share how they play this game ? Thanks

Noted thanks all,  btw i really received few offer from different project and agent claim on subsidy of installment, normally is two years

My mortgage interest from MBB is 4.25% for about 350k loan. Is it good to refinance for better rates? considering all other charges need to fork in.

Hello. Can i ask if third residential property can get maximum how many loan % of house price?

How do bank count my loan credibility? My objective might be to purchase the next home before selling my current home.

Any potential to go higher like 80%? If i got good rating?

Or will it be better to just pay off my first loan since I got huge cash in hand.
Have my reasons not to post my salary out here. Thanks.

My scenario is saw a potential deal in the market. I got two loans and have huge cash reserves. Not sure to blow it off for the third loan since i read that it is around 70-80% loan from bank. Was just wondering if got sifu here that can advise on how to get 80% and above. Would prefer to have more cash reserves before selling my second house and currently staying in second house where all my furnitures will be transferred to that future home if the deal is on.

Any idea on the mortgage amount? I see my account online , the interest rate shows a lower rate but installment amount still the same

Shouldn't it show a lower amount also then ?

Thanks for ur advise

Hi, will you still be able to secure loan in future if diagnosed with early stage cancer?

I am getting a SAMM unit 270k and I am contemplating between going for 100% or 90% housing loan

I am first time buyer btw, is there something like 'seize the opportunity' to max out loan or something?

I havent apply for loan yet, just wanna get the direction of which i should go/aim for

thanks