it shud be alright for me to straight call MBB CS for query right haha
I had given up on my loan agent, doubt he even know what loan he is selling me 

Hello all,
I'd like to visit a few bank branches to find out the interest rate range that I can access for my target property (preliminary stage as I have not decided on an actual purchase yet).

May I know what documents are required when going to the bank for this purpose (bank statements, payslips etc.)? Do I actually need to print out these documents or is it acceptable to just email these to the bank loan officer?

Want to ask, once we signed the LO, can we cancel it and sign it with another bank? Havent sign the loan agreement yet. Last minute received better offer from another bank with good interest rate.

Would like to seek for advice. Bank A offer 100% loan, 3% interest+mrta. Bank B offer 90% loan, 2.9% interest+mrta. The different of monthly instalment will be around RM100.
Is my first loan, don’t know how to choose. Should keep the 10% d/p fund for renovation use?

What is MLTT? How different from MRTA?

For about the same ~3% effective lending rate, does the ratio of base rate and interest rate matter? I am looking at HLB and Maybank. From what I searched, Maybank base rate is much lower than HLB. Which one has a greater impact when the rates changes in the future?

Mine was mbb. The 10% was apart of my saving & my epf acc 2, kwsp interest is 5% and above. I guess taking the 100% loan is more worth?
Besides, 2.9% of 90% interest is with the condition of taking a 20k mrta with critical illness from them.

Hi guys

Need some advice for 1st home buyer(100%) loan what kind of house price range is applicable/highly chance of approval for:

Age = 27
Salaried employee
Salary Nett = RM3600
Commitment Car + CC = RM 900

Thanks in advance

saw the uob intelligent home loan where it is said to help u save more interest if u pay weekly or fortnightly. Anyone tried before?

If previously I bought only 30 years of MRTA, how to cover for the shortfall of remaining 5 years of my loan.
Last time thought can save some money but MRTA full coverage really important suddenly you pass away before end of tenure.

Hello, need some advice in terms of MRTA/MRTT. So far 2 different bankers told me 2 different story.

MBB Banker advised to get 35 years full coverage and said to claim back cash value if I manage to pay off my loan early.

HLB Banker advised to get 10 years full coverage as it's reducing term and asked me to get other term insurance or MLTA to top up coverage instead.

I had originally thought to get 20 years MRTA/MRTT coverage as I plan to pay off the mortage in ~20-25 years. Any advice?

Hi all, would like to get advice from sifus here

I am planning to buy a house, 788K.
Would like to know whether I would able to get a loan based on the details below.

Net income 6500
Car 1470
SOHO 1910 (Renting out for 1500 per month)
Insurance 2500 p.a.
Savings 80K

Thanks a lot

I think can allocate up to 2K per month.
I also have some overtime claims which I am not sure can be considered into the loan consideration or not.
Next yr likely will have a pay raise till 7.5-7.7K per month

For the SOHO, I think its stagnant for now.

The next one is for future own stay in 4-5 yrs time

If lets say my monthly income is 6500 (fixed salary income) + 1500 (rental income) + 1000 (OT income), with existing commitments, roughly how much is my loan limit?

Hello to all sifus, I have a question regarding loan application for old high-rise properties. I heard that banks won't approve loan application if condo is too old (20~30 years old) even if it is freehold. Is this true? Or is it just that the bank will have more restrictions or higher interest rates for such loans?

Hello, anyone experienced this scenario before and what is your thought of this ?

Currently we (joints name) apply for housing loan and get to know that one of credit card account has been highlighted special attention account in CCRIS.

We immediately checked with the bank, reason why because this credit card has been cancelled long time ago but it was charged annual fee (RM97) without knowing this after so long.

In short, we have settled it and the bank will send us settlement letter, they have submit to remove the name in special attention account.

1) if this is the case, is settlement letter of supporting document sufficient to proof that we have no outstanding and ok to submit for loan application? Likely reject ?

2) Is this remove name in CCRIS will reflect after a month?

3) This is really innocent just because of this credit card account

Submit now likely reject, if submit next month after name removed but without HOC program ☹️

If loan approved and sign SPA within this month yup entitled for HOC

We have checked with couple of banks, they can try to submit loan application with this settlement letter, but subject to bank approval. But some banks suggest that probably try after name removed with higher chance.

Not sure if HOC extend again or not then

Stamping to be done latest by 31/1/2021

No SPA signing by 31/12/2021 with stamping to be done latest by 31/1/2022 unless government make last minutes change