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!!

Great! Thanks for the info.

Anyone know where I can compare the interest rates online?

you can try this but the rate not really accurate.

https://www.imoney.my/home-loan

Thanks. That's a good overall view. Will help me decide.

Another thing, I normally pay my car loan alternate months coz lazy visit bank and sometimes forget to pay my credit card. How bad will this affect the loan approval?

Hi,

Would like to get some opinion on choosing which bank homeloan.

If BR % + spread % = Effective homeloan %, eg.
A Bank = 4% + 0.5% = 4.5%
B Bank = 3.8% + 0.7% = 4.5%

I understand that BR% may fluctuate, but spread% is fixed throughout the lifetime of loan. If A and B bank all have same Effective home, which should you choose given that both effective rates are the same?

Thanks in advance...

Hi,

Would like to get some opinion on choosing which bank homeloan.

If BR % + spread % = Effective homeloan %, eg.
A Bank = 4% + 0.5% = 4.5%
B Bank = 3.8% + 0.7% = 4.5%

I understand that BR% may fluctuate, but spread% is fixed throughout the lifetime of loan. If A and B bank all have same Effective home, which should you choose given that both effective rates are the same?

Thanks in advance...

hi all, im first time buying a house...
plan to buy a second hand houses but may i know is there any bank offer 100% loan ?

I need advise, i plan to buy 950k house. Will pay 10% deposit.
Still under construction.
Salary of mine is MYR14.3k per month.
I have pawn my gold which total 24K.
Question is, I want to know will loan approve for this case?

your ccris report will have 1 or 2. and will affect the loan either being reject or slash loan margin.

How about PTPTN?
I seldom to pay my PTPTN and after last month decided to buy house, I started to pay my PTPTN 
I graduated in 2009 and I've checked through PTPTN website and my name is still clean.

So, how PTPTN affect our CCRIS?

so far PTPTN haven't cause any affect to CCRIS report yet, but i heard soon PTPTN will show in CCRIS report

Although PTPTN may not appear in the CCRIS, its important for the Borrower to take it into consideration.

If your net cashflow is only say 800 after deducting PTPTN of 200, then the Max monthly repayment you can afford is only 800 and not 1000

have you met skim rumah pertamaku requirement?

http://www.srp.com.my/en/criteria.html