Good day huaweie5830

Are you holding any PR or working permit at least in Malaysia for 2 years?

If yes, max loan margin could reach up to 80%.

Aside that, I can help you customize the loan under 3rd party loan where

SNP (your mother and yourself)

Loan (yourself)

Due to majority bank loan's financing only up to 70 years old, most likely your mother is hard to get loan.

Would you mind to share the personal financial details and property details?

Hi bro,

very hard is you intend to put as following

SPA - Mom
Loan - Son

This is a pure 3rd party loan and will be deemed unfavourable, if you can include your SPA together with you and your mom then can.

SPA - Mom & you
Loan - you

Meaning you're still holding your Malaysian IC or you've fully given up your citizenship ?
hehe good luck then =)

It's really up to you since it involves your own financial planning.
Very hard like that bro especially if your mom no longer works and she's old age already. Bank will be reluctant to approve the loan. Plus you're considered a foreigner already so min purchase is Rm1 mil to 2 mil depending on location

With 9 years to 70 gears old

The installment will be very high if she wants 90% loan

If her income cannot support the high installment then you will need to loan lesser and put higher Downpayment

Any reason why die die also you want to put the property under her name?

Not enough bro with 2.4k salary.

Max loan assuming if pass is 100k

if based on 2400 nett is about 120k

Only way is to increase the pay.

Even if it's fully settled, her age and pay is a concern to the bank, bank cannot charge the fully paid property as a consideration.

You'll have to buy a cheaper property based on the available budget