100% impossible but for 71.4 might able try some bank will consider. But you didn't really tell how you count the loan as 1.5k? If you're not comfortable to release you income over here you can pm me.

wow...then what's the point of the joint-loan option for customers? coz if like that no such thing as joint-loan but only individual loan since the way it is assessed is like individual.

Joint loan because individual document not enough to support to home loan. But accessed is base what i mention earlier.

higher income means rm10k+ per month?

some banks calculate based on gross pay. eg : Citibank .

One example again is Aeon/RHB - they accept DSR more than 75% if your salary hits between 10-20k per month

Based on the Responsible Financing guideline by BNM, rrightfully the bank shall use net income to calculate the DSR. I'm not sure whether all the banks comply with that but they are supposed to as this is compliance issue. I trust that if the bank remains to use gross pay for DSR computation, it may tighten the threshold for loan entitlement - if not I wonder how they are going to answer the regulator when being questionned.

I want to ask if for sub contract worker don't have fixed income..no pay slip & kwsp..just got do income tax..can apply loan to buy house?what document to apply?Thank you..

Contract worker doesn't have fixed income but do have payment slip or the income will bank in to your bank account and show in your bank account right? if yes show one year bank statement along with income tax for application.

case own 2 residence property with 30yrs loan.

looking for >85% loan for commercial/shoplot.

possible?

HI experts , what is the risk if buying a house without House TITLE? it is still with master title.

commercial loan max margin is 85%
if ur income strong enough then no problem to get 85% loan margin

This post has been edited by okteak: Mar 2 2015, 10:34 AM

if the property more than 10 years but still master title , it is hard to get loan to purchase. And there will be lack of second hand market since hard to get loan to purchase ,unless the buyer purchase with cash

just pass up 2 years income tax with receipt then able to apply the loan edi

Hi..yes got..need 1yr bank statement oh?is it bank also will see total bank balance to approve loan?
TQ

Yes residential property is not link to commercial mortgage loan

However theres still few bank willing to loan for these property. Maybe can mention the property name I double check

Total credit and debit will use to count your average income per month to judge do you able afford this home mortgage loan.

How is DSR calculated if I am renting out a unit? consider income?

yup. bank consider rental as a income , but must attach with tenancy agreement with stamping . without stamping bank may request min 6 month bank statement for proven .

Thinking of buying a property cost around RM650-700k

Sole proprietor
Monthly income RM6000

Commitment
car loan rm480
ptptn
is it possible to get 90% loan ?

How much is your ptptn monthly repayment? Should be no problem for 90% loan base on my calculation but still need to reconfirm your ptptn amount