Mortgage Loan Package Inquiries, (Strictly NO Promotion Allowed)
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 Apr 5 2015, 01:31 AM
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#1
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1,249 posts Joined: Apr 2012 
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QUOTE(redbull30 @ Apr 5 2015, 01:25 AM) I've got 4 home loans at 90% MOF each currently. 70%. Some might even give u 60% due to multiple unit financing status.I would like to refinance one of it, will I still get 90% or will it drop to 70%?  |
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Apr 5 2015, 02:12 AM
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#2
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Senior Member
1,249 posts Joined: Apr 2012
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QUOTE(redbull30 @ Apr 5 2015, 01:55 AM) Even if commitments are not an issue? Yes. |
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Apr 27 2015, 10:10 PM
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#3
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Senior Member
1,249 posts Joined: Apr 2012
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QUOTE(beyond86 @ Apr 27 2015, 10:08 PM) Hi, i talked to my MBB agent, to start pay installment immediately after spa and loan agreement settled although still under construction, end of 2016 the house only completed. The reason is not to pay progressive interest. You can pay, but all will go towards advance payment. It still will help you to save interest as this is a semi flexi loan. Just that its not reflected in your statement.However, the agent said unable to pay installment during construction, need wait construction completed only able to start installment. During construction period just pay progressive interest. Any sifu can share some opinion. MBB Semi Flexi, but LO just written Term loan |
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Apr 27 2015, 10:12 PM
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#4
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Senior Member
1,249 posts Joined: Apr 2012
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QUOTE(sweetlemonande @ Apr 27 2015, 08:56 PM) i have settled my 1st housing loan and now awaiting my lawyer to attend the Discharge of Charge. During this period, if i intend to purchase my 3rd property, how banks consider my case? still entitle for 90% of loan? If u able to get a confirmation letter from bank that account has been settled and now in the process of DOC, then u can apply for 90% |
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Apr 27 2015, 10:13 PM
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#5
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Senior Member
1,249 posts Joined: Apr 2012
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QUOTE(beyond86 @ Apr 26 2015, 09:38 AM) i just signed last few days with MBB This is very good rate already. If you can get 4.35% for 400k loan, let me know. I am sure alot of bank marketing department eager to know too RM400k, 4.40%, 35 years.. keep telling help to appeal 4.35% but she said best liao   |
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Apr 28 2015, 12:59 AM
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#6
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Senior Member
1,249 posts Joined: Apr 2012
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QUOTE(beyond86 @ Apr 27 2015, 10:38 PM) Tats why say client grading there. such as Priority banking customers with lots of AUM.  |
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Aug 20 2015, 05:08 PM
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#7
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1,249 posts Joined: Apr 2012
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QUOTE(kbandito @ Aug 15 2015, 08:30 AM) If they can sell 70% that is a miracle and I will really hormat Michael. But that means they need to sit on 500 balance units and no great bonus and great company trip for the exsim staff QUOTE(Splee7 @ Aug 20 2015, 03:16 PM) Hi all Payslip + bank statement + employment letterI would like to ask advice from bankers i dont pay income tax & EPF because the company that i am working for is a regional office(based in Malaysia) with revenue generated out of Malaysia ~ Asia region. What documents do i need to apply for a housing loan to buy property ? i just have bank statement to show my income. No income tax statement No EPF statement For my current job. Appreciate your advise. TQ. |
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Aug 24 2015, 12:48 PM
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#8
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Senior Member
1,249 posts Joined: Apr 2012
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QUOTE(Ern3st @ Aug 24 2015, 09:59 AM) Does Bank still recognize Rental as income in calculating DSR? QUOTE(azhan82 @ Aug 24 2015, 11:41 AM) I'm interested to know on the matter too.. Yes. You need show valid tenancy+ spa/bank statement. Some bank take 80% to 100% rental income |
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