Is there any cons if I choose to do so?

Hi, any opinion on this?

I am looking at a kondo in KL at RM 1.4 million.

My monthly salary is RM 6k.

How much downpayment I have to put down in order for me to get a bank loan?
Thank You

Have a car loan, montly RM2000
I am 41yo

No rental Income

Only have a car loan. Civic, RM2000 montly

You need 1 mil downpayment

Hi guys.. Need advice... Is the offer too high?

Basic:Rm1200
Comision:3000(minimum)
After deducation I bring back around Rm3.8k (minimum)

This is the best cimb can offer me, public bank and mbb require join loan

Facility amount: rm316,800
Mrta: rm16,885
Tenure: 35 years
Rate: 4.6%
Monthly installment: rm1,600

Hi Sifus,

UOB offered me 4.18% interest for 300k loan -35 years loan as a CNY promotion.  Is this the lowest rate you'all have encountered  ? Anyone know what is the catch beside 10+4 MRTA( roughly Rm5.5k).

Dear All,

I'm looking at buying a property in PJ.

In the past understand that MRTA/MLTA/MRTT is optional, with the risk that if anything happened to the borrower the bank can take back the house as it's not covered by the insurance.

Would like to check if it is still the case?
Can I purchase a property without getting the MRTA/MLTA/MRTT?

Good morning all,

First time home buyer here. Was wandering is there any loan (such as youth housing scheme) endorsed by government that offer low interest rate?

I'm buying affordable house with price 385k.

Thank you.

Can't find the actual site but this is a newspaper report about the scheme.

https://www.thestar.com.my/business/busines...rst-time-buyers

100% loan with good rate for affordable home up to 300k, yours is slightly above that price, and income must be less than 4.3k.

guys, i already have 2 housing loan under my name. now wanna buy another apartment. still possible for me to get 90% loan?

any idea how can i get at least 80%

something like this? https://www.mybsn.com.my/content.xhtml?contentId=1522

A bit out of topic, why agent always ask a question ”for investment or for own stay” is there any price difference? Why don't they ask a question is this for cat stay? 😂

Property agent,

izzit ok?

public bank : loan 174k, 31 years, 4.3% interest rate

my cimb loan 800k house rejected second time due to payment behavior (criss record)  car loan public bank.  already fully settlement car loan bevouse march is my final loan.  but public bank still waiting 15feb to send the report to bnm

is there any bank offer high loan n accept high commitment  similar like cimb?

if criss is the issue.. so if i resubmit after 15th feb..and my name clear from  it ...is possible cimb will approve??  because this will be 3rd submission

My RHB mortgage loan has its interest rate dropped to 4%. Is this a good rate?

I wonder if it would save me money if I refinance to get a lower interest rate now. Not that I need to the cash out though.

The banker said will have one letter stating (BR (3.27) + 0.43 = 3.7) and another letter saying BR has been revised from 3.27 to 3.02.
Guess that should be sufficient right.

Guys do u guys know about processing fee rm200 imposed on loan application?

It charge only when letter offer is prepared or when we submit the application?

Like I already applied pbb and the loan is approved. Letter offer not yet issue, do I need to pay rm200 if I decided to cancel it and take other banks instead?

Hi guys! I received below offers:

1) Maybank
- Amount: 705k
- Tenure: 35years
- Rate: 3.85%
- with MRTT

2) HLB
- Amount: 720k
- Tenure: 33years
- Rate: 3.7%
- with MRTT

3) CIMB
- Amount: 684k
- Tenure: 35years
- Rate: 4.2%
- with MLTT

Which of the options above is good? All offers are 90%.

Is Maybank's Commodity Murabahah Home Financing-i a semi- or full-flexi loan? Thank you!

I recently come across a project where bank only approve 70~75% loan on spa price because the project has 15% is this common these days or should I continue to shop for some other project?

Thanks for the replies guys!

I received another offer from HSBC:
- Amount: 608k
- Tenure: 32years
- Rate: 3.7%
- with TRTC (RM130/month)

From my inexperienced calculations, the advantages compared to other offers:

1) the least monthly instalment: RM2.7k
2) less loan amount and tenure, hence less interest and loan finish faster
3) instead of lump sum MRTT, HSBC replaced it with TRTC. Similar to insurance with monthly premiums paid separately from monthly instalments to HSBC

Disadvantages:
1) Full-flexi. Addtional RM10 charge per month
2) Only 80% loan. So I need to fork out some of my EPF acc.2 to cover the downpayment
3) No cash for renovation when VP, unless I take out all of my EPF acc.2

Anyone has experience with HSBC? Care to share your experience? Thanks!