Dear Madgeniusfigo,

How to finance legal into loan amount for sub sales? How bank disburse money to lawyer? As far as i know there will be two layer, SnP lawyer and Loan document lawyer? I am a bit confuse here? As for your example, if 5% x Rm 400 k loan = 20k. if 20k is more than enough for legal fee, how bank may give back the extra to us?

Hi Guys, I wish to refinance my mortgage loan. Currently I own 2 houses (2 mortgage is OCBC and UOB).

I wish to refinance my first house to margin 90%. Is it possible?

Any banker can make it margin 90% on refinance mortgage pls pm me.
My favorite bank as below:
-OCBC
-Maybank
-Public

Thanks.

Hi,

Thanks for reply. Loan legal fee need 20k for RM 400k house? Why so expensive? I thought it will be 0.5% of loan amount? Does it include stamping fee?

Hi, May i know for property price at RM 560 K what will be the estimated SnP + Loan legal fee and all stamp duty?

so let's assume that the credit and debit balance are in the range of 200k monthly (that means, on average, rm210k in, rm 200k out), will it affect his scoring?

Are you sure Islamic loan will incur additional 20% stamp duty?  Says for a RM1M loan the stamp duty would be RM5k + 20% extra ie RM1k which in total RM6k?

hi, work at sg salary sgd 3000 and without any commitment/debt now.
May I know easy to get 600k house loan or not? Property price 780k

thank you

Hi all,

My relative’s loan got rejected few years ago because the developer is blacklisted by the banks… may I know any factors related to the property that might lead to the loan being rejected?

I plan to purchase a property in the next few months, and a bit daunting hearing some negative cases. Hope sifu here can share & shed some advice

I'm sorry if this was asked & answered previously

Dear sifu,

im planing buying a new property. can i include 2nd parking into the loan. 2nd parking amount rm18k..

Thanks! How about the lock-in period? What does it means? Seen some Islamic loans has no lock-in period.

Hello,

Looking forward to refinance my current house.

22 x 70
Freehold
VP on Feb 2015
Current market price around RM540k

Please PM me for more details, cheers.

Is there a possibility for a bank to give me 100% loan?
given the fact :
1. good credit worthiness
2. No other loans, commitment and liabilities
3. even with the 100% loans, mortgage won't be more than 20% of my salary

or it's just simply nothing more than 90%?

Looking at about 1mil loan. What's the going rate for loan this amount anyway?

Hi,

My wife just change a job this month. Can she get housing loan with her new job (still in probation period)?

Thank you

Hi all,

Would like to check what is the difference between conventional loan & islamic loan?

I got offer

Maybank Islamic loan - 4.35%
Rhb - 4.30% conventional loan
Cimb islamic loan - 4.40%

I heard islamic loan from banker is better. I don't need the full flexi feature though which rhb offer. However, islamic loan rate is higher. In dilemma now..

I was informed by banker that rhb does not offer islamic loan due to non compliance on shahriah. Tried to google it but cant find info about it.

So actually based on history it wont go up till that high unless market/economy crash?

Usually how do people apply for bank loan? I mean, people go to the bank and tell banker the specific package that they want, or just submit documents and wait for the bank to offer them a package?