If mrta confirm can't carry forward to next new property and if mrta there's no cash value. Yes mrta only charge once which is one lump sum. For mlta you have to pay yearly, quarterly, or monthly

Not all flexi come with monthly charges ya semi flexi there's no monthly charges except full flexi.

All bank semi flexi is without monthly charges, but there's a withdrawal charge when withdraw money. I'm very sure on this. And for full flexi there's one bank without any charge which is rhb there's no monthly charges and no setup fees for the full flexi loan.

So now will refinance under two name? Instead of 3 name now?

Cash out portion dsr will count base on 10 years however monthly repayment can push until maximum loan tenure, depends with your age.

Cash out portion commitment will count base on 10 years. But loan repayment can pay by maximum tenure. For example base on your current commitment and you salary if your income afford to pay the cash out portion with the calculation of monthly repayment base on 10 years then you're entitle for refinance, if not the cash out portion might need slash the margin to lower portion to match with your commitment. Maybe you can direct call me for explanation 010-7732628.

Yes most bank need advance inform regarding on this or else they will just treated as advance payment. You normally bank into your loan account?

Since both so young can apply for loan tenure max 35 years without any problem. If base on interest rate 4.35 is quite risky as its only special offer rate for those first grading. Try count base on rate 4.5 for this loan figure. And normally the lowest appeal rate for this loan figure should be 4.4. Salary 7.6k for both is nett salary after deduction of epf sosco and pcb? If yes should be ok within border line.

If Internet banking direct bank into loan account, should have minus principle. Unless some client bank in the money to standing instruction account and thought can minus interest from the account.

Gross income around 9500 i assume your nett income after epf socso and pcb deduction is around 7500.

From the cash out part since bank negara had set new rule all cash out from refinance will count commitment base on 10 years that side already took your commitment around RM1960

i don't think after refinance you're entitle to buy either one property above, even property 1 also over your dsr limit. I will advice joint name in this case.

Base on my calculation, both income is above dsr 70%, i will advice lower loan margin by put more down payment.

DSR more than 70% base on your income, i will advice you for joint name

Ok no problem it's within dsr guideline but you means this property is on construction? And previously you're dealing with developer for monthly installment?

There's few problem here! First this prop is without applying mortgage loan in you buying last time and suddenly borrow loan from bank, bank will doubt there's financial problem with you that's why you unable to pay the balance 200k like what you paid for your previous third party, they might reject, and if they willing to finance also have to make sure this property is ready construct. Under construction seriously abit hard

Yes base on your gross income should be no problem for 900k loan its within dsr guideline as long as you able prove that your rental income tenancy agreement is stamping and tally with bank statement

Don't simply answer when you didn't done this case before. I had deal many with this situation before end up all rejected because bank don't feel secure. If you able done similar case before show me black and white proof. I have few customer they planing to finance loan for under construction once they pay for few times to developer and even they can prove with a lot saving and fixed deposit which at least half figure of the finance loan also reject and bear in mind their nett asset is more than 1 mil, and FYI the reason all bank rejected is because it's under construction half way and in early stage buyer is apply for mortgage loan but middle of construction only apply for mortgage loan bank doesn't feel secure, I even have official letter from few banks officer which I'm dealing with, and my company is bank panel all cases also directly submit to HQ officer for case approval, and there's another solution if customer insist want to finance this prop is once the construction is done with title info etc.

To be frank base on your gross income I counted included with tenancy agreement there's no problem with the loan already, so bonus slip is not necessary

Average lowest should be 4.4 for this loan amount, yes there's few bank is without lock in period

Depends on profile grading, for this loan amount interest rate can go as low as 4.35%

Yes quite a lot in long run and estimate around RM30++, But there's always a choice, you can always refinance to others bank after lock in period for lower interest rate choose bank you feel you're more comfortable with and convenient for you for loan repayment.

Might be because in your ccris report there's one prop might tag as commercial instead of residential. It that any of your prop is soho sofo or service resident?