Hi dear,

Semi Flexi

semi flexi package typically has these features:
1) requires you to phone in to indicate the extra payment as early settlement of advance payments
2) if you fail to indicate, you will be charged 1%
3) if you indicate advance payment, no additional interest is saved as "advance" payment will only be credited to your loan account when it reaches your cycle date, so it is plain advance payments. and must be in multiple of your monthly payment.
4) For redrawable prepayments, you need to indicate separately and Redraw charge of RM50 is imposed (M*B charge Rm25)


Full flexi:

1) current account tied to loan account
2) auto debit from current account at month end and interest is calculated based on outstanding balance minus amount in current account
3) maintenance charge of RM10 per month
4) setup/ processing fee of Rm200
5)The liquidity comes in the form of an ATM card or a linked CASA account to the housing loan.
Example: You have a shop that is opened Monday to Satuday, rest on Sunday. On Saturday, you deposit all your proceeds of the week into the flexi account, on Sunday, you would save [(your-HL-interest-rate)/365]*AmountDeposited worth of interest. On Monday, you withdraw the money to run your business



CHEERS

Hi dear,

Based on your information provided, you can loan up to at least RM300k. It is fine not to have a guarantor based on your current financial status.

CHEERS

Hi dear,

Based on your information provided, you could loan up to from 200k to 300k depending on which bank you are applying.

CHEERS

Hi dear,

How can i further assist you?

CHEERS

Hi dear,

Sometimes its just bank itself tighten the pipe and to secure themselves.

CHEERS

Hi dear,

The housing loan interest rate now is from 4.45%.

CHEERS

This is deep

Hi dear,

Based on your information given, you can loan up to at least RM500k. How can i further assist you?

CHEERS

Hi dear,

Different banks have different criteria, banks are choosy as well in term of customer type. For example, you are employee or self-employed.

CHEERS

Hi dear,

1. Husband no longer applicable for LTV 90% because is the 3rd Housing Loan but is possible to get LTV of 90% if under wife name only

2. Based on your information provided, if loan under only your wife name, she is applicable to loan up to 500k only provided your loan tenure is up to 35 years.

3. May I know the age of husband and wife?

CHEERS

Hi dear,

Double confirm your banker whether you need to do FULL settlement or PARTIAL settlement in order to proceed your loan because different banks have different criteria.

CHEERS

Hi dear,

is not an issue to have loan tenure of 35 years.

CHEERS

Hi dear,

Yes, you could apply for term loan again which is call top-up. For cash out portion will be tenure of 10 years, and the existing loan amount will be tenure max 35years or till 70 years old which ever come first.

CHEERS

Hi dear,

Based on your income information provided, is not an issue to apply for the loan of 180k but due to the housing loan of 12 months overdue payment you are not able to apply for any loan. You need to clear payment for the past 12 months in order to proceed your loan.

CHEERS

Unfortunately no my dear because is a joint name with you, you need to clear it no matter how.

CHEERS

Hi dear,

1. Based on your income details, you can loan up to 400k ( installment around 2k/mth ), if installment for 1.6k the loan amount will be around 340k

2. Yes. You can.

3. If the land is under your name then yes.

CHEEERS

Hi dear,

It depends. As long as your CCRIS is not clean then it is fine because the banks just want to keep track your purchasing or payment behavior.

CHEERS

Hi dear,

At least Net salary of 4k

CHEERS

Hi dear,

You could loan up to 400k

CHEERS

Hi dear,

CCRIS only will show whether is it commercial or residential loan to determine your property type

CHEERS