QUOTE(mosh @ Dec 7 2016, 09:58 PM)
house is RM395K. loan 90% shud be 355.5k kan ?
Dear
1. the rate would be around there, best 4.4%
Cheers
QUOTE(patrickthissen @ Dec 8 2016, 02:45 PM)
Hello all,
I plan to purchase a condo which is just under construction.
Based on developer, the condo will be completed in 3 years time from now, monthly installment start pay once OC obtained.
Mean time, I just need to pay interest before condo is completed.
So, am I eligible for 90% loan for amount 355k?
1. Here's my detail
Property price: RM 395k
Amount to borrow: RM 355k (Rebate 10% aka down payment bear by developer)
Loan duration: If possible 35 years
Age: 27
Monthly gross salary: RM 4,197
Hire purchase loan: RM 622
Credit card outstanding: No payment delay - monthly around RM 600 for insurance + petrol (Credit limit RM 16k combined for 2 cards)
PTPTN: Monthly RM 200
CCRIS report: Got it during September and it shows good (zero)
Any more info should I provide?
2. If I am not eligible, is it I can combine with my gf?
Will it be a risk for unmarried couple to apply house loan??
Dear
patrickthissen,
1. the info is good enough before any actual ccris and ctos checking
2. yes you can combine with your gf income if your DSR burst
well, in actual fact, bf and gf joint name purchase very hard. But there's way around it =)
3. SPA:
loan:
Do let me know whether spa will be both name or one name and loan.
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1. Based on the details given by you, Your max loan eligibility for each bank is as follow:
Rm NDI
A*BANK 303,207.78 $3,002.14
H*NG LE*NG 434,072.63 $2,710.36
M*YBANK 370,235.25 $3,460.80
*CBC 265,622.28 $2,806.61
R*B 400,493.65 $2,902.47
U*B 302,584.85 $2,887.97
C*MB 397,593.65 $2,887.97
AFF*N - $-
PB* 397,593.65 $2,887.97
HSB* 265,622.28 $2,887.97
2. The best bank to get the highest loan would be HLBB . However, each bank has it's own ball game
Different bank will calculate your income and debt accordingly based on each bank's different policy. Hence,
I would need to do a due diligence on your profile before suggesting the best bank to proceed with."
3. I would need to check you CCRIS, CTOS and income documentation before giving you any assurance.
If everything goes fine, 90% shouldn't be a problem for you."
QUOTE(leonlim619 @ Dec 8 2016, 04:24 PM)
hi all.. first home buyer here. just recently book a unit under rumawip. according to developer i only can choose rhb, uob and maybank for housing loan. haven't get any call from banks yet. any advice from which bank should i take?
QUOTE(leonlim619 @ Dec 8 2016, 04:40 PM)
Age: 28
Gross pay: 3125/month
Nett pay: 3325/month
Rental income: (sorry what is rental income?)
Asb: none
Bonus 2 years total:
Commitment
House: Rent RM620
Car: none
Personal loan: none
Credit card outstanding: no outstanding
Ptptn: none
Dear
leonlim619,
1. YES, usually DEVELOPER have their own panel bank, hence need to use the bank that are recommended.
2. It depends on your profile whetehr which bank can approved your case, your objective, your needed packages structure. Only opt for the right bank
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1. Based on the details given by you, Your max loan eligibility for each bank is as follow:
Rm NDI
A*BANK 304,177.50 $2,765.25
H*NG LE*NG 329,937.50 $2,749.48
M*YBANK 284,572.92 $3,125.00
*CBC 341,487.50 $2,845.73
R*B 412,421.88 $2,749.48
U*B 341,487.50 $2,749.48
C*MB 357,432.29 $2,749.48
AFF*N - $-
PB* 357,432.29 $2,749.48
HSB* 341,487.50 $2,749.48
Cheers
QUOTE(chiahau @ Dec 8 2016, 04:36 PM)
Can do rough estimation for me? Can I PM you since some info are sensitive?
QUOTE(chiahau @ Dec 8 2016, 04:55 PM)
Thanks mate. Dropped you a PM already
Sure, will do my best to help.