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Mortgage Loan Package Inquiries, (Strictly NO Promotion Allowed)
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lolful
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 May 18 2024, 12:08 AM
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QUOTE(jimchan @ May 17 2024, 10:14 AM) Previously was offered with 4.0% without MRTA and 3.90% with MRTA, the banker are good and kind enough to help me to do appeal and final I offer I got are 3.95%  I see, I heard Islamic when you do withdrawal, you need to physically go to the bank and queue. Only conventional you can do via online thru their app. This is what banker told me, you might need to double check with your banker ya. Thanks for the heads up, just checked, thankfully can be done online without going through bank. Would be a dealbreaker if so |
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adamhzm90
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May 19 2024, 11:27 AM
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My epf account 3 has been approved.
Should i dump to my mortgage principal? Been topping up a few extra hundreds monthly to it.. Its a rental house with positive income..
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GamaX320
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May 20 2024, 09:33 PM
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Will bank send letter, email after disbursement first progressive interest?
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Pac Lease
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May 20 2024, 10:29 PM
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QUOTE(GamaX320 @ May 20 2024, 09:33 PM) Will bank send letter, email after disbursement first progressive interest? Yes.and will notify you for the first payment for the progressive interest. |
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iamloco
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May 22 2024, 04:55 AM
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QUOTE(adamhzm90 @ May 19 2024, 11:27 AM) My epf account 3 has been approved. Should i dump to my mortgage principal? Been topping up a few extra hundreds monthly to it.. Its a rental house with positive income.. I wouldn't considering EPF return % is higher than mortgage rate.. |
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ahkit123
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May 26 2024, 09:08 PM
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QUOTE(adamhzm90 @ May 19 2024, 12:27 PM) My epf account 3 has been approved. Should i dump to my mortgage principal? Been topping up a few extra hundreds monthly to it.. Its a rental house with positive income.. Yes |
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IVL
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May 27 2024, 10:07 PM
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Approved loan 3.85% with mrta (not full tenure) for <2mil loan
I guess 3.80% is not doable in any case
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kamenrider31
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May 28 2024, 09:10 PM
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New Member
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Hi, want to ask some questions regarding my housing loan.
Recently I applied for housing loan with Public Islamic Bank, and in the letter of offer (LO) stated that need to take credit card, which is okay for me.
Fast forward, my loan approved and they sent me not one, but two public islamic credit card platinum, one visa and one mastercard.
So my question is, since the LO stated the need for the credit card, I really need to activate the card right? But do I have to activate both of them? Or only one will be sufficient? And what will happen if I didn't activate both of them?
Currently have already signed SPA & Loan Agreement, awaiting the lawyers for stamp duty etc. Loan is not yet disbursed to the developer.
Thanks in advance 😁
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contestchris
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May 29 2024, 12:12 PM
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QUOTE(kamenrider31 @ May 28 2024, 09:10 PM) Hi, want to ask some questions regarding my housing loan. Recently I applied for housing loan with Public Islamic Bank, and in the letter of offer (LO) stated that need to take credit card, which is okay for me. Fast forward, my loan approved and they sent me not one, but two public islamic credit card platinum, one visa and one mastercard. So my question is, since the LO stated the need for the credit card, I really need to activate the card right? But do I have to activate both of them? Or only one will be sufficient? And what will happen if I didn't activate both of them? Currently have already signed SPA & Loan Agreement, awaiting the lawyers for stamp duty etc. Loan is not yet disbursed to the developer. Thanks in advance 😁 Just call them and cancel the card. If you really want, report to BNM cause they cannot force a bundle and send cards unsolicited to you. |
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Mixxomon
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May 31 2024, 10:08 AM
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Getting Started
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I'll be working overseas soon, but still on the lookout for properties in Malaysia. Any challenges in getting a loan while getting income outside of Malaysia?
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lifebalance
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May 31 2024, 10:21 AM
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QUOTE(Mixxomon @ May 31 2024, 10:08 AM) I'll be working overseas soon, but still on the lookout for properties in Malaysia. Any challenges in getting a loan while getting income outside of Malaysia? Yea can |
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mushigen
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May 31 2024, 10:18 PM
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QUOTE(contestchris @ May 29 2024, 12:12 PM) Just call them and cancel the card. If you really want, report to BNM cause they cannot force a bundle and send cards unsolicited to you. The LO will state the T&C (must apply for cc). Once you accepted the loan offer by signing the LO, it means they're not forcing you. Just need to call them to cancel the card without activating it. |
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ahkit123
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Jun 1 2024, 09:21 PM
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QUOTE(kamenrider31 @ May 28 2024, 10:10 PM) Hi, want to ask some questions regarding my housing loan. Recently I applied for housing loan with Public Islamic Bank, and in the letter of offer (LO) stated that need to take credit card, which is okay for me. Fast forward, my loan approved and they sent me not one, but two public islamic credit card platinum, one visa and one mastercard. So my question is, since the LO stated the need for the credit card, I really need to activate the card right? But do I have to activate both of them? Or only one will be sufficient? And what will happen if I didn't activate both of them? Currently have already signed SPA & Loan Agreement, awaiting the lawyers for stamp duty etc. Loan is not yet disbursed to the developer. Thanks in advance 😁 Use to buy furnitures |
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zhengdek
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Jun 4 2024, 01:01 PM
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Getting Started
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QUOTE(Mixxomon @ May 31 2024, 10:08 AM) I'll be working overseas soon, but still on the lookout for properties in Malaysia. Any challenges in getting a loan while getting income outside of Malaysia? No prob i can asssit on this. |
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hotmission
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Jun 7 2024, 10:21 PM
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New Member
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QUOTE(Mixxomon @ May 31 2024, 10:08 AM) I'll be working overseas soon, but still on the lookout for properties in Malaysia. Any challenges in getting a loan while getting income outside of Malaysia? not a problem. just verify your income when asked. |
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uglyduckling422
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Jun 10 2024, 10:11 AM
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sorry i just to ask some question. if one person got a loan and mrta. then they refinance (refinance no state mrta just pure loan). the mrta is still got or have been cancel?
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lifebalance
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Jun 10 2024, 10:13 AM
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QUOTE(uglyduckling422 @ Jun 10 2024, 10:11 AM) sorry i just to ask some question. if one person got a loan and mrta. then they refinance (refinance no state mrta just pure loan). the mrta is still got or have been cancel? will be cancelled since it's a new loan agreement. |
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November11
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Jun 10 2024, 10:26 AM
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Getting Started
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QUOTE(uglyduckling422 @ Jun 10 2024, 10:11 AM) sorry i just to ask some question. if one person got a loan and mrta. then they refinance (refinance no state mrta just pure loan). the mrta is still got or have been cancel? Just remember this:- MRTA follow loan; MLTA follow person. |
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Mixxomon
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Jun 10 2024, 10:59 AM
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Getting Started
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QUOTE(hotmission @ Jun 7 2024, 10:21 PM) not a problem. just verify your income when asked. Will payslip alone be enough? What about credit repayment history? |
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ahkit123
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Jun 11 2024, 08:14 PM
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QUOTE(uglyduckling422 @ Jun 10 2024, 11:11 AM) sorry i just to ask some question. if one person got a loan and mrta. then they refinance (refinance no state mrta just pure loan). the mrta is still got or have been cancel? Cancel |
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