What u mean by cancellation letter is a loan reject to get back ur deposit from the booking fee. You can haggle with the developer on that.

Bank Letter Offer is not binding unless you've signed on it.

Depends on ur salary. I don't have any of ur details

It's either housing loan (which can be further split into priority or non-priority sector) or other term loan whereby commercial shall fall into the latter.

Pls see my edited reply in post #4088.

Hi dear,

then just cancel the LO for project A then apply for project B

CHEERS 

MRTA
Premum payment 1 lump sum (RMxx,xxx)
No investment return
Cannot be transferred out from the bank
Reducing coverage
Covers only Death, TPD
Not flexible (once purchase cannot be upgraded)
Long term = higher cost
Initial cost = lower

MLTA
Premium payment yearly instead
Investment return = lower overall cost
Can be transferred to a different property = save cost than buying another MRTA @ Older Age later on
Level or increasing coverage = good point
Covers Death, TPD + optional 36 Critical Illness
flexible (can add on coverage later on)
Long term = cheaper cost
Initial cost = higher

Don't bother too much on BR reduction. I'm bloody happy when I got MBB's offer of 4.35% before OPR dropped.
When OPR dropped, BR was dropped also from 3.2% to 3%, but they increased the BR + 1.15 to BR + 1.3%. At the end of day, I got 4.3%, which is 0.05% of reduction.

I have my CTOS report on hand and it score 706 (above average) but I have no idea what is RAMCI.

Yes...the CTOS report do have score on it. They are giving free CTOS now, you can go and get your copy for free.

It will be first or 2nd page of the report

make sure you have downloaded My Ctos Score Report (R.R.P. RM25) now free for first 100k reports until 30th of November.
source click on "I want my score". normal CTOS report will not have score.

Need to be careful though as free report in return you provide your data to them for their subscribers to use.

I didn't opt for the free report though =)

Anyone who uses ctos to search on you will be able to get ur latest info

CTOS won't have your info if you don't willingly share to them

He must sell off the house and complete the transfer of the S&P, because prior to the completion, the bank will fully pay off the loan that you're still owing to the bank thus it will be removed from the CCRIS.

Once you've checked the record is removed from CCRIS for the housing loan, you can start applying for the new housing loan for 90%.

it depends on when the loan is cleared off.

CCRIS is updated every 10th - 15th of the month.

Dear WahBiang,

1. You can submit with settlement letter document of your housing loan. Settlement can get from bank after you settle the O/S amount
2.

CCRIS will be updated every 10-11th of each month.

Example:

April 10-11th, will show CCRIS details of March 1-30th

2. If you settle your debt by 28 or 29th MARCH, April ccris updated on the 10-11th will had removed your settled debt from CCRIS.

3. Make sure you don't settle it at the very last day, because bank stuff need time to key in the report and BNM staff need time to update the system.

Cheers

3rd residential unit? The number of units you own do not matter, but the number of residential loans do. Do you have 2 current residential loans under your name?