Any potential to go higher like 80%? If i got good rating?

Or will it be better to just pay off my first loan since I got huge cash in hand.


Have my reasons not to post my salary out here. Thanks.

My scenario is saw a potential deal in the market. I got two loans and have huge cash reserves. Not sure to blow it off for the third loan since i read that it is around 70-80% loan from bank. Was just wondering if got sifu here that can advise on how to get 80% and above. Would prefer to have more cash reserves before selling my second house and currently staying in second house where all my furnitures will be transferred to that future home if the deal is on.

3rd house is 70% LTV. no way to go around it. since you cash there's no issue to pay up the 30%

Is there still 100% loan for first time buyer?

I believe its another form of MLTA just rebrand

Either from PBB or RHB

Premiums are paid annually, like life insurance

Just need to check if your terms / beneficiary is the bank, or can joint name between bank and your choice, or purely your choice.

Same as above, I believe its mainly rebranded MLTA

Just that they don't have an insurance company or sister company that can do MLTA direct

Check your premium payment terms, coverage terms as well as beneficiary (these are the usual differences).

1. Tenancy agreement, bank account rent credited into and SPA owner name must be same.
1a. Tenancy agreement must be stamped.
1b. Tenancy tenure more than 1 year.
1c. Tenancy payment record should be 6 months and above.

2. If joint name SPA, only split amongst number of owners.
2a. 2 owner in SPA = 50% etc.

3. Amount taken into consideration depends on banks and case by case basis.
3a. Some might go 75%, some might go as much as 100%, check with your banker.

UOB
3.75%
Subsale, amount: 7 figures inc MRTT

Tumpang OP's post

Are there any banks that offer 95% loan for second home? I saw BSN and Maybank, looks like they are able to provide but am not sure.

Thank you.

Appreciate the reply sir

Recently I have been viewing house to purchase.
I asked my agent whether there is still 100% loan for first time buyer.
He said no.
Is there still full home loan for first time buyer?

Budget 2025: Boost for first-time home ownership
https://www.thestar.com.my/news/nation/2024...-home-ownership

Thats what I thought too, but I asked my agent he said no.
I tried to reach out to Maybank regarding this and banker also said Maybank dont offer anymore.

Maybank don't offer loan to 1st time buyer anymore
Or just
Don't offer 100% loan to 1st time buyer anymore?

Banks used to offer full loan to first time buyers but due to "first time buyers" taking advantage of the loan, they stopped.

Just like how you are able to buy rumah selangorku/kl even as an outsider. You just needed an electric or water bill as "prove" youre staying there.

The classic a couple of greedy people ruining it for the rest of people.

This post has been edited by indran1412: Mar 12 2025, 06:26 AM

it's good that they discontinued 100% loan. knowing how malaysians get into debt they cannot afford to pay, this seems like a prudent move by the bank.

If you cannot afford to even have 10% or 20% of DP for House... Better not buy any properties

Simple as that....

Yes but interest higher. You buying brand new or subsale?

Subsale.
I asked my agent he said no more.
I dont believe him but Maybank staff whom I called also said Maybank dont offer anymore.

100% loan is *technically* available for developer new project
What they usually do: quote a high S&P price for you to get loan first
Bank loan you the 90%, 80% or other approved amount.
Developer then give cashback to buyers as high as 20%
At least this is how it works when I buy house in Klang valley, my last purchase the developer gave me 12% discount on the S&P price

Can try with RHB they still have. If you want I can intro my agent for RHB loan. But they have quota for that. Last I checked in Jan this year still got.

Thanks.
Now my friend from Mbsb said his bank still has skjp