Can pm? What info u need?

Is it ok to refinance now? Current loan is -2.2blr, not very happy with any interest rate increase which offset my yearly increment.

Can pm? What info u need?

Dear,

what's your loan amount that you gonna refinance?

Hi guys,

whats required to check on loan capability profile on the few mentioned banks in the analysis? not sure whether below is sufficient to assess?
Kindly help 
1.Borrower
a.age- 27
b. No. of borrowers- 1
c. no. of housing loan- none at the moment

2. Income (borrower)
a. Gross salary-5k
3. Supporting income (borrower)
j. Shares dividend- 500

4. Debt / commitment (borrower) "joint or indiv"
a. Hire purchase loan (Borrowed amount)- 30k (600 monthly, 1 yr plus to go)
e. Credit card (Outstanding/usage)- Nil (always pay on time)
4. Background (borrower)
a. Occupation- senior exec
b. age- 27
c. currently staying at- with parents

5. Property
a. purchase price- 450k
b. subsales or underconstruction- new, going to Sign SnP tis year
c. freehold or leasehold- freehold
d. 1 borrower or joint borrower- 1 borrower

Your loan can pass with the purchase of 450k and loan 90%

If you need help with loan application let me know. My services are free

kool! be sure to find u if i nid any many thanks!!

btw is need possible to find out whats the maximum value of property i can go for with the profile?
bit curious on tis

About 450k to 550k

tkss!!

Hi guys,

whats required to check on loan capability profile on the few mentioned banks in the analysis? not sure whether below is sufficient to assess?
Kindly help 
1.Borrower
a.age- 27
b. No. of borrowers- 1
c. no. of housing loan- none at the moment

2. Income (borrower)
a. Gross salary-5k
3. Supporting income (borrower)
j. Shares dividend- 500

4. Debt / commitment (borrower) "joint or indiv"
a. Hire purchase loan (Borrowed amount)- 30k (600 monthly, 1 yr plus to go)
e. Credit card (Outstanding/usage)- Nil (always pay on time)
4. Background (borrower)
a. Occupation- senior exec
b. age- 27
c. currently staying at- with parents

5. Property
a. purchase price- 450k
b. subsales or underconstruction- new, going to Sign SnP tis year
c. freehold or leasehold- freehold
d. 1 borrower or joint borrower- 1 borrower


rclxms.gif kool! be sure to find u if i nid any biggrin.gif many thanks!!

btw is need possible to find out whats the maximum value of property i can go for with the profile?
bit curious on tis

blink.gif

any compilation of respective banks BR and their absolute lending rates?
seems like a bit difficult to obtain each and every bank's BR.

any compilation of respective banks BR and their absolute lending rates?
seems like a bit difficult to obtain each and every bank's BR.

http://www.baserate.co/

not sure correct or not. seems legit

Dear,

1. If you opt for zero entry cost, HSBC, the rate will be 4.6-4.7%

2. If you opt for other banks rate, it will be 4.4-4.45% rate. However, other banks would allow you to finance your legal fees, valuation into the loan amount too. You can finance max 5% of your loan amount ( 5% x Rm400k loan =RM20K). You can finance total 20k of your legal fees + valuation into your loan amount.

Thank you so much for your info..
May I know normally what's the amount of legal fees + valuation fees?

Thanks
Chan

Thank you so much for your info..
May I know normally what's the amount of legal fees + valuation fees?

Thanks
Chan

hi dear sifus, i applied home loan valued at rm727020 (soho unit in cyberjaya). so i got loan offer from ambank and this is the package they had given
MOF: 85% (since the developer giving 15% rebate)
Loan rate: 4.38% (BR4.00 + 0.38)
Tenure: 35 years
Lock in period: 3 yrs
Loan type: semi flexi conventional loan and no hidden charges just open savings account
Monthy installment: rm2924 inclusive MRTA of 15 yrs
according to them is if also zero moving charges.. means no charges if refinance after 3 yrs

Question is
1. based on ur opinion, so u think this is a good offer,
2. if not so gud can u tell me the reason and do u know any othr bank who can give better offer than this overall
3. i also applied with rhb and uob and i got offer of them but i think this the best since is given me lowest intrest rate, is there any possible can get lower than this?

hope to get some feedback as this is my first loan and i will be signing the offer letter this friday. thanks in advance smile.gif