270k

No.

Ofcoz the bank won't issue you the "loan rejection letter "because your loan is approved. You may call to the bank contact centre or write in email to mention you want to cancel the loan application. Once they cancel your loan so the record will remove from your CCRIS record.

then you may try to talk to your existing bank to lower down your interest rate, so you no need to refinance and maintain your facility.

U may try Citibank, hsbc

Let me answer question 1, coz ur unsecure loan limit is high, so ur credit card application was rejected. Normally bank won't disclose the rejected reason of credit card.but i work in bank so I can know it.

Question 2 ,I know the answer but let other sifu here explain to u.

Long long time ago I was in pac lease. That time OCBC is doing mortgage. Then they closed down mortgage department so I joined alliance bank.

Sometimes we do give explain here but some of people here do not appreciate. We are provide free consultant service but sadly after give them answer or advise they not even said thanks you. But ofcoz I not mean all ppl here r not thanksful la.

Strategic Alliance was closed last time coz Alliance bank do want to do mortgage last time, so many ppl resign and join other bank. Now Alliance Bank come back to mortgage market however only do subsales and refinance and name Alliance One Account. I think u also know about Alliance One Account how does it work

OCBC just come back to mortgage business on last year.

Now Alliance bank got giving referrals fee for referral. you can register partner in sales as mortgage referral and you will receive 0.1% as referrals fees upon loan execution.

Ya, Alliance one account really can help those high debt customer and the bank is focus on this product.

Ya, im the first badge to do Alliance One Account. Last time the loan application is very easy to approve, but now getting harder coz change some policy. Sometimes client will not compare the rate, is about the loan whether can be approved or not. Like you always mention, different bank got different policy in term of risk review for the client.

hehe, that is another example, im the first one to reply the house value. In the end just nothing. However, their lauchinig price is RM290, so i think there is no room for him to cash out unless his first loan margin is very low.

You are welcome bro. Wish u good luck.

u r most welcome.

high chance, should be pass.

you just need to buy CTOS report then you will know the answer.

[quote=Lucky85,May 9 2019, 12:46 PM]
[quote=lifebalance,May 9 2019, 10:34 AM]
yeah no issue to get 90% refinancing amount

So kindly advise which few bank can get 90% refinancing amount?Thank you.

[/quote]

Alliance Bank can refinance up to 90% margin of finance.

U can try to do internal refinance which mean refinance in rhb bank, ofcoz u can compare the current rate their offer rate with ur current rate interest rate charge.

Otherwise, u can refinance to other bank and ofcoz depend u wanna purely refinance ur outstanding balance or u wanna to cash out together.

I believe every client b4 apply the housing loan they will ask the banker what is ur current interest rate offer?

Since ur loan has been approved, u can ask ur banker to give u the letter offer to review first. If u comfortable with the interest rate and the T&C then u can proceed to sign the letter offer.