maybank usually will habis kuota as I know.

Agree. Personally I think don't have 30% dp, don't bother..

Malaysian is really pampered alot...

I mean everything use debts.... Don't have $$$ but wanted to egos show off to people around....

From iPhone to cars & house...

100% is basically BNPL.

Wah..30% dp is too tough for most Malaysians first time buyer. And also one need to reserve cash for furniture, renovations.

That is why we said that lifestyle of Malaysians are sustained by debt

Basically everything from what you mentioned until furnitures, water dispenser etc also can instalment

Reading those asking for advice saalry RM7k but need to take personal loan then you will slap your own forehead

You will notice in their list of expenses sure have C*WAY C**KOO instalment

Can retire when 60yo?

Well... Malaysia is having one of the highest debt rates among the households....

Survival based on debts all the way....

Cannot retire when 60yo confirm... Need to work till death... Too much debts.... EPF also cannot help.... That's why keep asking for special withdrawal all the time non stop...

Buy first house also cannot afford... Need 110% loans 😜

Exactly, need EPF special withdrawal to fund lifestyle or festive celebration

But also need people like them otherwise ekonomi tak jalan

If everyone like me drive old car, use phone as long as possible, eat nasi campur... ekonomi runtuh liao

If buy house need 110% loan I strongly, sincerely suggest postpone the idea and continue renting

Otherwise next sure complain bank blood sucker paid until die still paying interest

But according to some...

You can get 100% loans "indirectly" if you buy house from directly from developers... 😁

Malaysia apa apa lobang pun ada

'Cashback' from loan pun ada

That's why 110% loan is possible, can renovate & buy expensive furnitures to show off

If life get hard....

Cry mother father like no tomorrow...

Property market is being powdered by debts.... Without them, sure GG one...

Banks survival also depends on these groups.... All kind of loans given out to sustain...

and that is also another reason why it is a no no to up OPR

many will GG

BNM gave assurance OPR would be maintained for 2025...

They says inflation & economy growing well enough...

One of the reasons why property market still okay 👍

wow I didn't follow this news

macam ni indirectly helping developer & banks to push more business this year leh!

One of the reasons why local funds like PNB & EPF focus their investment locally especially for Banks & Consumer related...

Gomen staff gaji naik is one of the key push for loan growth... CC, Housing, Cars, Personal etc.

More spending....

BNM didnt say such thing/gave such assurance la...give source if yes.

Dubai dp is at 50%

Good day sifus.

I'm a non bumi with a bumi (sabahan) wife.
I can be considered the sole breadwinner and my wife works on a part time basis. We can consider her income as negligible.

I've been told by SA tht her name needs to be the sole name on SPA to be eligible for bumi discount.

And if my name can't be on the SPA, I can't receive financing for the mortgage.

Is there any way for us to utilize her bumi status for bumi discount for new properties? Or even to buy bumi lot subsale.

This post has been edited by modjojojo: Mar 15 2025, 07:09 PM

My daily interest with PBB loan decreases yesterday and today. Anyone know what could be the reason?

BNM didn't say anything, it's just "experts" speculation

https://theedgemalaysia.com/node/733002