thanks for the reply.
look the thing is, ive asked several banks like cimb ,maybank, hong leong, and bsn (bsn got zero moving cost)
they only accept immediate family (nucleus family) as joint loaner
that mean no cousin, or uncle, or friends

which bank actually are we talking about here?

Dear all banker,

I am property agent here, I just received booking from my client for a flat unit. Please contact me if you able to get the bank value for this, the property details is:

Address:
D-4-6, Taman Pendamar Indah 2, 42000 Port KLang.

Purchase price: RM72k

650 sqft Basic.

Thanks

Is it ok to refinance now? Current loan is -2.2blr, not very happy with any interest rate increase which offset my yearly increment.

Can pm? What info u need?

Hi guys,

whats required to check on loan capability profile on the few mentioned banks in the analysis? not sure whether below is sufficient to assess?
Kindly help 
1.Borrower
a.age- 27
b. No. of borrowers- 1
c. no. of housing loan- none at the moment

2. Income (borrower)
a. Gross salary-5k
3. Supporting income (borrower)
j. Shares dividend- 500

4. Debt / commitment (borrower) "joint or indiv"
a. Hire purchase loan (Borrowed amount)- 30k (600 monthly, 1 yr plus to go)
e. Credit card (Outstanding/usage)- Nil (always pay on time)
4. Background (borrower)
a. Occupation- senior exec
b. age- 27
c. currently staying at- with parents

5. Property
a. purchase price- 450k
b. subsales or underconstruction- new, going to Sign SnP tis year
c. freehold or leasehold- freehold
d. 1 borrower or joint borrower- 1 borrower

kool! be sure to find u if i nid any many thanks!!

btw is need possible to find out whats the maximum value of property i can go for with the profile?
bit curious on tis

tkss!!

http://www.baserate.co/

not sure correct or not. seems legit

Thank you so much for your info..
May I know normally what's the amount of legal fees + valuation fees?

Thanks
Chan

hi dear sifus, i applied home loan valued at rm727020 (soho unit in cyberjaya). so i got loan offer from ambank and this is the package they had given
MOF: 85% (since the developer giving 15% rebate)
Loan rate: 4.38% (BR4.00 + 0.38)
Tenure: 35 years
Lock in period: 3 yrs
Loan type: semi flexi conventional loan and no hidden charges just open savings account
Monthy installment: rm2924 inclusive MRTA of 15 yrs
according to them is if also zero moving charges.. means no charges if refinance after 3 yrs

Question is
1. based on ur opinion, so u think this is a good offer,
2. if not so gud can u tell me the reason and do u know any othr bank who can give better offer than this overall
3. i also applied with rhb and uob and i got offer of them but i think this the best since is given me lowest intrest rate, is there any possible can get lower than this?

hope to get some feedback as this is my first loan and i will be signing the offer letter this friday. thanks in advance smile.gif

May i know :

a) how much is the instalment for a loan of RM460k?

b) minimum salary to get this loan?

c) Loan agreement fees?

Thanks

Hi guys, looking to get a home loan...any mortgage officers from rhb and mbb? please pm me. thanks

Wanna ask if someone know
My wife asking at rhb bank for 6 month bank statement
So the staff say that in 10 days they will call if statement ready.
So im a bit confusing because as i know, get statement should be on da spot, why need 10days?

Then today after more than 10 days, she go again
And now the staff say still not getting 'disk' for the statement
And bank only receive disk every 6 month
What the heck man, i need submit my loan next week

So can someone clarify to me, need to long to process bank statement before i tepuk meja tomorrow

Hi guys,

I would like to know whether it's possible to get a 90% loan for my 2nd property based on my income

Gross Salary RM 6500
2015 bonus about 1.5 month

1st house loan RM700k (under joint name) will be paying RM4k (together) per month

Property price : RM440k

Thanks in advance!

Hey Sifus, Si-Jies,

I have an issue with Ambank Islamic term home loan.
I am buying a house, and i opted for islamic flexi loan.
However Ambank told me they no longer have a flexi loan, but their term loan is Semi-flexi.
Over the phone, the bank office has told me that if i make additional payments into the account, the interest will be reduced (calculated daily).

However all this is just verbal promise. All my reading and research online says that Term loan does not reduce interest if additional payments are made.

The officer said that if i wish to reduce the principal, i will need to write a letter, and deposit rm5000 at a time. This money cannot be withdraw. And it will be shown as reduction in principal on the statement.

However he also said that if i just bank in additional money every month, maybe few hundred each month, he says it will reduce the interest, the same as if i deposit a large amount. But will not show on the statement.

So when i asked him what is the difference he says "some people like to see the principal amount reduced in their statement."

I have signed a loan offer, but waiting on loan agreement documents.

Is it true that nowadays "term loan" from ambank is so called semi-flexi? Or are these guys just telling me what i want to hear.

May I know how's the financing like for an uncompleted property? Never purchase uncompleted before, how's the procedure like to purchase uncompleted or near completion property? Can we get the bank loan and what are the repayments like? Thanks in advance!

Thanks for the info!
So if i pay additional monthly payment into the account they gave me, it will automatically pay towards capital?
My main concern is reduction of ultimate interest paid. I dont mind if the extra payment is non withdrawable.

Over the phone they tell me it is a "term" loan. he used the word term very cleary. but the officer also said extra payments will reduce the tenure.. etc.
Thats where the confusion is coming from.

I dont mind paying an extra RM400 /month (for eg.) if it will reduce my interest paid by RM100k in the end.

thank you!

Thinking of refinancing my property to cash out some money and get better rate.. Which bank is better? Any bank offers zero moving cost? Current rate I got is BLR - 2.3%..

Zero moving cost would translate into higher interest rate? Anything exceeding 5% would be considered high