Mortgage Loan Package Inquiries, (Strictly NO Promotion Allowed)
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 Jun 14 2020, 12:39 PM
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Probation
17 posts Joined: Jun 2020 
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QUOTE(Mochacoffeelover @ Jun 13 2020, 09:12 PM) Hi there. Hi community!My salary above 5K. What option do I have if I wanna get 100% loan? What if BSN Myhome scheme? Thank you.  I looking forward if anyone could advise me, thank you. |
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Jun 14 2020, 01:19 PM
Show posts by this member only | IPv6 | Post
#15642
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Junior Member
653 posts Joined: Aug 2019
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QUOTE(Mochacoffeelover @ Jun 14 2020, 12:39 PM) Hi community! Just looking for 0% down payment project, then u can have 100% mortgage loan. Maybe just need booking fee, and return after vp. Net income 5k? Got commitment?I looking forward if anyone could advise me, thank you. |
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Jun 14 2020, 04:53 PM
Show posts by this member only | IPv6 | Post
#15643
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Probation
15 posts Joined: Jun 2020
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QUOTE(billsean @ Jun 14 2020, 07:23 AM) Hi. Seems like B is the most tempting choice. Since im looking for loan also, can you PM me the bank?I really need advice on what bank to choose for my housing loan. I already got offer from three banks. Only Bank A is flexi. Interest rate, Bank B said they are fixed, others floating. However, Bank B did said they still depends on Bank Negara. Please help me to choose, Sifus. Thanks in advance. Bank A - facility amount : RM462,870 - legal fees : RM9,400 - valuation report fees : RM1,300 - MRTT RM13,747 - Locked Period: None - total financing amount : RM487,317 - tenure : 35 thn - rate 3.35% - monthly installment : RM1,972 Bank B - MRTT: RM23,871.31 (30 years) - Locked period: None - Financing: RM482,871 - Tenure: 35 years - Rate-3.35% (fixed) - Installment: RM1,954 Bank C - Loan: 462800 - Mrtt: 12600 - Legal fees: 10739 - Financing: 486139 - Rate: 3.35% - Tenure: 35 tahun - Installment: 1967.15 |
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Jun 14 2020, 09:17 PM
Show posts by this member only | IPv6 | Post
#15644
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Junior Member
129 posts Joined: Jun 2020
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Hi,
How much loan can I actually get and what are the best rates currently for the following? What type of loan should we opt for too? Nett around 4300 No commitment but have credit card Current SPA price - 820000 Will I be eligible to get a loan for the price above? Thanks |
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Jun 14 2020, 09:35 PM
Show posts by this member only | IPv6 | Post
#15645
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Junior Member
653 posts Joined: Aug 2019
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QUOTE(lololkangary @ Jun 14 2020, 09:17 PM) Hi, Need to know after rebate price is how much, cc got monthly installment?how old are u? if don't have cc outstanding, and below 35years old,,then monthly u can get RM2800-3000 installment from bank. For your income, around 3.2-3.4%.How much loan can I actually get and what are the best rates currently for the following? What type of loan should we opt for too? Nett around 4300 No commitment but have credit card Current SPA price - 820000 Will I be eligible to get a loan for the price above? Thanks This post has been edited by Maiiyowei: Jun 14 2020, 09:36 PM |
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Jun 14 2020, 10:02 PM
Show posts by this member only | IPv6 | Post
#15646
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Junior Member
129 posts Joined: Jun 2020
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QUOTE(Maiiyowei @ Jun 14 2020, 09:35 PM) Need to know after rebate price is how much, cc got monthly installment?how old are u? if don't have cc outstanding, and below 35years old,,then monthly u can get RM2800-3000 installment from bank. For your income, around 3.2-3.4%. That is after rebate price, no monthly installment for cc. 26yo. What do you think is my loan approval rate? My DSR is high right? |
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Jun 14 2020, 11:14 PM
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Junior Member
55 posts Joined: Apr 2020
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QUOTE(billsean @ Jun 14 2020, 07:23 AM) Hi. Am getting rate at 3.27% for 540k loan without mrta/mrtt.I really need advice on what bank to choose for my housing loan. I already got offer from three banks. Only Bank A is flexi. Interest rate, Bank B said they are fixed, others floating. However, Bank B did said they still depends on Bank Negara. Please help me to choose, Sifus. Thanks in advance. Bank A - facility amount : RM462,870 - legal fees : RM9,400 - valuation report fees : RM1,300 - MRTT RM13,747 - Locked Period: None - total financing amount : RM487,317 - tenure : 35 thn - rate 3.35% - monthly installment : RM1,972 Bank B - MRTT: RM23,871.31 (30 years) - Locked period: None - Financing: RM482,871 - Tenure: 35 years - Rate-3.35% (fixed) - Installment: RM1,954 Bank C - Loan: 462800 - Mrtt: 12600 - Legal fees: 10739 - Financing: 486139 - Rate: 3.35% - Tenure: 35 tahun - Installment: 1967.15 Full flexible loan.... |
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Jun 14 2020, 11:57 PM
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Senior Member
3,718 posts Joined: Nov 2015
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QUOTE(billsean @ Jun 14 2020, 07:23 AM) Hi. I really need advice on what bank to choose for my housing loan. I already got offer from three banks. Only Bank A is flexi. Interest rate, Bank B said they are fixed, others floating. However, Bank B did said they still depends on Bank Negara. Please help me to choose, Sifus. Thanks in advance. Bank A - facility amount : RM462,870 - legal fees : RM9,400 - valuation report fees : RM1,300 - MRTT RM13,747 - Locked Period: None - total financing amount : RM487,317 - tenure : 35 thn - rate 3.35% - monthly installment : RM1,972 Bank B - MRTT: RM23,871.31 (30 years) - Locked period: None - Financing: RM482,871 - Tenure: 35 years - Rate-3.35% (fixed) - Installment: RM1,954 Bank C - Loan: 462800 - Mrtt: 12600 - Legal fees: 10739 - Financing: 486139 - Rate: 3.35% - Tenure: 35 tahun - Installment: 1967.15 QUOTE(AokX @ Jun 14 2020, 04:53 PM) Seems like B is the most tempting choice. Since im looking for loan also, can you PM me the bank? Curious on Bank B, is it really fixed loan rate? or it is just normal term loan? may I know the bank name? kindly pm, thanks. |
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Jun 14 2020, 11:58 PM
Show posts by this member only | IPv6 | Post
#15649
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Senior Member
2,566 posts Joined: Oct 2017
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QUOTE(WahBiang @ Jun 14 2020, 11:57 PM) Curious on Bank B, is it really fixed loan rate? or it is just normal term loan? may I know the bank name? kindly pm, thanks. No pm pm in LYN as stated in the rules |
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Jun 15 2020, 12:18 AM
Show posts by this member only | IPv6 | Post
#15650
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Junior Member
653 posts Joined: Aug 2019
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QUOTE(lololkangary @ Jun 14 2020, 10:02 PM) That is after rebate price, no monthly installment for cc. 26yo. Maybe u can try with 1 year bonus for affin,cimb and am bank, impossible can get approval from Maybank, public bank and hongkong bank,your DSR is low, below 5k net income consider low, only can get 60/70%,add join applicant maybe easy to get approvalWhat do you think is my loan approval rate? My DSR is high right? |
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Jun 15 2020, 01:13 AM
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Senior Member
982 posts Joined: Dec 2009 
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QUOTE(billsean @ Jun 14 2020, 10:30 AM) Not sure about that.. I need to ask them.. Haven't seen banks offering fixed rate unless you opt for AIA or MBSB. Correct me if I'm wrong.QUOTE(lololkangary @ Jun 14 2020, 09:17 PM) Hi, About 700k i guess? Do you have any supporting document/bonuses to boost your income?How much loan can I actually get and what are the best rates currently for the following? What type of loan should we opt for too? Nett around 4300 No commitment but have credit card Current SPA price - 820000 Will I be eligible to get a loan for the price above? Thanks QUOTE(Happy360 @ Jun 14 2020, 11:14 PM) Am getting rate at 3.27%Â for 540k loan without mrta/mrtt. Hmm, let me guess. HLB or RHB?Full flexible loan.... This post has been edited by ngph988: Jun 15 2020, 01:13 AM |
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Jun 15 2020, 02:22 AM
Show posts by this member only | IPv6 | Post
#15652
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Junior Member
653 posts Joined: Aug 2019
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QUOTE(lololkangary @ Jun 14 2020, 10:02 PM) That is after rebate price, no monthly installment for cc. 26yo. Another advices to you, u just 26 years old with below 5k net income, do u really need to purchase a property with 820k price? This project offering cash back? I think u better choose below 500k property, for your own good, I didn't say u can't afford, just my 2 cents advices.What do you think is my loan approval rate? My DSR is high right? |
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Jun 15 2020, 07:27 AM
Show posts by this member only | IPv6 | Post
#15653
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Senior Member
3,718 posts Joined: Nov 2015
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QUOTE(ngph988 @ Jun 15 2020, 01:13 AM) Haven't seen banks offering fixed rate unless you opt for AIA or MBSB. Correct me if I'm wrong. On the fixed rate loan, can it be really that low, 3.27%?? I personally think if fixed rate 3.75% is also a very good deal aldy since mortgage usually 30-35yrs commitment.. Kindly share with me if true, thanks.About 700k i guess? Do you have any supporting document/bonuses to boost your income? Hmm, let me guess. HLB or RHB? |
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Jun 15 2020, 10:38 AM
Show posts by this member only | IPv6 | Post
#15654
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Probation
15 posts Joined: Jun 2020
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QUOTE(WahBiang @ Jun 15 2020, 07:27 AM) On the fixed rate loan, can it be really that low, 3.27%?? I personally think if fixed rate 3.75% is also a very good deal aldy since mortgage usually 30-35yrs commitment.. Kindly share with me if true, thanks. ya ya, seems too good to be true tbh. i think there must be a misunderstanding somewhere, never saw a deal this good |
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Jun 15 2020, 10:38 AM
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All Stars
10,162 posts Joined: Nov 2014
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QUOTE(Mochacoffeelover @ Jun 14 2020, 12:39 PM) Hi community! Not sure, I don't do BSNI looking forward if anyone could advise me, thank you. QUOTE(lololkangary @ Jun 14 2020, 09:17 PM) Hi, 750kHow much loan can I actually get and what are the best rates currently for the following? What type of loan should we opt for too? Nett around 4300 No commitment but have credit card Current SPA price - 820000 Will I be eligible to get a loan for the price above? Thanks |
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Jun 15 2020, 10:41 AM
Show posts by this member only | IPv6 | Post
#15656
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Senior Member
3,718 posts Joined: Nov 2015
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QUOTE(AokX @ Jun 15 2020, 10:38 AM) ya ya, seems too good to be true tbh. i think there must be a misunderstanding somewhere, never saw a deal this good Possibly true, could be fixed term loan instead of fixed rate term loan... Else, i bet sure they will gain a lot market share on mortgage soon.. |
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Jun 15 2020, 10:45 AM
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Junior Member
207 posts Joined: Aug 2009 From: KL
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QUOTE(Happy360 @ Jun 14 2020, 11:14 PM) Am getting rate at 3.27% for 540k loan without mrta/mrtt. Hi which bank is this?Full flexible loan.... |
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Jun 15 2020, 10:46 AM
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All Stars
10,162 posts Joined: Nov 2014
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QUOTE(AokX @ Jun 15 2020, 10:38 AM) ya ya, seems too good to be true tbh. i think there must be a misunderstanding somewhere, never saw a deal this good only 2 possibilities, AIA Loan or Government Loan.If it's coming from a bank, I highly doubt it |
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Jun 15 2020, 10:47 AM
Show posts by this member only | IPv6 | Post
#15659
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Probation
15 posts Joined: Jun 2020
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QUOTE(lololkangary @ Jun 14 2020, 09:17 PM) Hi, you really sure want to max out your loan? sure u dont have commitment now but not forever. this is a big commitment, even if the house you want to buy is for investment, i dont think is a good one.How much loan can I actually get and what are the best rates currently for the following? What type of loan should we opt for too? Nett around 4300 No commitment but have credit card Current SPA price - 820000 Will I be eligible to get a loan for the price above? Thanks |
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Jun 15 2020, 11:38 AM
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Junior Member
55 posts Joined: Apr 2020
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QUOTE(xinmay @ Jun 15 2020, 10:45 AM) Hi which bank is this? Public bank.... |
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