Is there still 100% loan for first time buyer?

Same as above, I believe its mainly rebranded MLTA

Just that they don't have an insurance company or sister company that can do MLTA direct

Check your premium payment terms, coverage terms as well as beneficiary (these are the usual differences).
1. Tenancy agreement, bank account rent credited into and SPA owner name must be same.
1a. Tenancy agreement must be stamped.
1b. Tenancy tenure more than 1 year.
1c. Tenancy payment record should be 6 months and above.

2. If joint name SPA, only split amongst number of owners.
2a. 2 owner in SPA = 50% etc.

3. Amount taken into consideration depends on banks and case by case basis.
3a. Some might go 75%, some might go as much as 100%, check with your banker.

Hello all, my girlfriend is buying her first house, this sales gallery person who's working for the developer is helping to sort out the documents and stuff, but he mentioned that for HLB, they can only loan up to 80% as they got caught giving out rebates in the past, Public bank as well, is this true or just some agent bullshit ?