Hellos - complete property greenhorn here. I am looking to buy my first, not sure where yet, but would like to know how much loan i can get with monthly gross of 7.8k? No debt whatsoever.

Thanks

Can't refinance? any problem with your document? income?

how old are you? if you don't mind, so can estimate the loan tenure for monthly installment to count DSR.

Thanks, I'll be 33 this year.

no problem for loan tenure 35 years. No car loan? no credit card? personal loan?

Car is paid off, CCs cleared every month. I have 0 debt at the moment. A ballpark figure would influence where I look to buy for long term investment/place to stay.

Thanks again!

Hello expert,

I wonder how much is base rate charged currently if i decided to apply islamic finance to purchase auction house?

Base rate is different with different bank, and islamic or conventional will not affect the interest rate.

You may refer to post#97 and #115 of the following link with respect to current BR of the banks.
https://forum.lowyat.net/topic/3431604

Although I did not understood what the table about but it is clearly diff bank have diff Base Rate

Yes different bank different base rate but the interest they offer more around the same it won't differences a lot until we appeal for better rate once loan is approve

So only after loans get approved we can appeal for better loan rate..usually how should the customer do in order to improve their chance to get their appeal approved?

And usually for what reason?

Tell them you have better offer from another bank. That's why always apply with as many banks as you can and when you get the offer, you can ask the bank you want to do business with to counter offer to the lowest rate you've been given.

Good repayment from CCRIS report good grading like professional job, MNC company etc

this is helpful enough. thank you guys!

I need people who got company that can issue payslip to me n can pas employment checking. Do u have any outsourcing that do this?

Pm me tq

Loan amount plan to apply = 100k
Housing loan

besides payslip you need pay income tax as well, most of the bank now require either prove of income tax or epf or both.

My house is fully paid. Can I refinance the house? Appreciate the advice. Tq

Yes you can but of course approve or not is subject to other factors ie your credit profile, your past repayment records etc.

Details:
Bank package: hsbc home smart fully flexi
House: subsales, still not changed to my name yet


Bank just release partial money to owner, and start charging me the so called projected interest. I would like to pay principal n the interest together since i have extra cash in hand.

I Called to customer service the gal said cannot. Must wait for full released only can pay them the principal.


Can somebody advice on this? Thanks so much!!