wow... no 3, so good can get 4.5%


thank you for sharing this 

Dear sifu,

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

may i know if bank also look at the credibility of another person on SPA? loan on name A only, but SPA have name A & B.

PBB bank told me they have to check the chargo (name on SPA) ccris as well. .. very the strict it seems for PBB

Hi sifus.. Need advice as facing difficulty on house loan due to PTPTN.
MBB banker told me that I need to settle PTPTN fully before can apply house loan, not just the outstanding. By settle outstanding will still appear in CCRIS.
How true is this?
On the other hand, AMB banker request me to settle outstanding and give the reschedule payment letter.
Hope to get some advice. Thanks in advance.

Hey guys, i think i signed the wrong loan package.
Maybank gave me term loan. I thought it is like flexi loan in Hong leong.

Any of you tried calling them and tell them u will make extra repayment to help lessen the interest rate?
Question is, do they allow extra repayment?

Thank you, but i have the offer letter, it doesn't say Flexi or anything. in the first page it only mentioned term loan. in the T&C also it only mention money can be withdraw in case of emergency. etc..

Hi, meaning that after get the reschedule letter can proceed with application? Even record in CCRIS still appear the PTPTN arrears?

Thank you so much.
Will inform other banker to try again. MBB banker just say cannot do that even with the letter.
May I know actually approval is by Bank or Bank Negara?

Thanks again. Only shown is this. In the first clause it stated there. This can reduce the interest rate if i make excess payment right?

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Thank you so much on the explanation.
I had done Step 1 and just waiting for the restructuring letter now.
Just worried that it is not so possible to settle full PTPTN loan now. Any cash on hand would be better to put into downpayment.
I will share for any update after this. Appreciate it. 

325,000 100 % loan, interest rate 4.6%, good deal?
can/possible  request for lower rate?

Hi, 1 question
If I have two outstanding housing loans with RM100k and RM250k, which loan should I pay more in order to benefit us to avoid paying more interest?

Because I was thinking which method we use could pay less interest?

E.g. cncerntrate paying to RM100k since it is lower outstanding with paying more.

Or both also pay the equal amount as per monthly installment.

Any suggestion?

Dear Sifu,

I have a concern, I am currently under employment  but  i've three company registered under my name( two sdn. bhd. and one sole proprietor) which is new and unprofitable, if it will reflect on the CTOS report. And if this will give negative impact for my loan application?

Other than this, i have a good record on CashFlow, LoanRepayment, NettWorth, CCRIS, etc.

Please advise what is the scenario if i am entering to loan application.

To answer iten 3
The initial loan was RM150k, now is RM100k
RM250k is the new loan that I plan to apply for.

Meaning that, I have to pay more on the loan with most outstanding since the interest is higher at the beginning.

Assume that both monthlt installment is the same. If I have additional cash, I should put to the loan with most outstanding.

Was my understanding correct?

Hi there,

Age - 24 (single)
Gross pay - RM3K +- OT/Allowance
Nett pay - RM2.7K (After EPF and LHDN)
Rental - none
ASB - RM10k
Bonus - 2 times per year

Commitment monthly
House - None (Already paid out 1 house)
Car - None
Personal loan - none
Credit Card (outstanding) - None
Mara - 80K (haven't start payment yet)

I'm thinking on getting housing loan around RM50k, the house are actually lelong house and its price around RM58K. Would I be eligible to get loan this small? if yes hows the interest I'm going to get? I heard from someone the smaller the loan amount, the highest the interest I'll be getting.

any zmc package now?
wanna refinancing my house,
whats the package offer
thanks
loan size above 400k
property value above 650k

Dear,

Just for your information, HSBC Zero moving cost has expired since early April.

Hence, HSBC don't have any ZMC anymore.

Cheers.

Thanks for the info.

Buying undercon properties 500k,4 year to complete
Joint name with wife

Me,32yo,4k salary,saving in bank 70k+
Wife,25yo,2k salary

Commitment
Me,car loan 850(3 year to go)personal loan 8k left to pay until dec 17,credit card outstanding 2k,ptptn clear
All payment make on time,never miss

Wife no commitment

Can get 90% loan 35 year?