Mortgage Loan Package Inquiries, (Strictly NO Promotion Allowed)
|
|
 Jul 20 2016, 08:24 AM
Return to original view | IPv6 | Post
#1
|
 
Junior Member
171 posts Joined: Apr 2016 
|
Hi sifus,
If let say my gross salary - 2800 Allowance - 400 Cc- 800 (pay on time no outstanding) Car loan - no Current property 350k - (monthly 1577) rented out Side income - 4000 ( never deduct epf ) What are the eligible amount of property i can loan? Tq |
|
|
|
|
|
Jul 20 2016, 10:34 AM
Return to original view | IPv6 | Post
#2
|
|
Junior Member
171 posts Joined: Apr 2016
|
QUOTE(lifebalance @ Jul 20 2016, 08:31 AM) What's your rental income for this 1577 property. Rental 1.7kHow long is ur side income business edi ? Working as ? What's ur nett income from ur real job For your rental. Do you have the latest tenancy agreement and at least 3 months bank statement to show its bank to u. If collect by cash then not considered  Side income not consistent. But will have around total 4k received from few parties. Nett income from real job around 2.8k (allowance added-payslip) For rental yea. They will bank in to me everymonth. This post has been edited by Asmasw2020: Jul 20 2016, 10:34 AM |
|
|
Jul 20 2016, 10:36 AM
Return to original view | IPv6 | Post
#3
|
|
Junior Member
171 posts Joined: Apr 2016
|
QUOTE(Madgeniusfigo @ Jul 20 2016, 09:02 AM) 1. CC 800 is monthly payment or credit limit? 2. Rented out, do you have tenancy agreement? to show proof of your tenant income 3. RM4000, what kind of income is this? Do you atleast bank into your bank account or receive voucher receipt? Cheers Yupe. We signed tenancy aggreement. Legal income. They will bank in to me. |
|
|
Jul 20 2016, 01:28 PM
Return to original view | Post
#4
|
|
Junior Member
171 posts Joined: Apr 2016
|
QUOTE(lifebalance @ Jul 20 2016, 10:38 AM) You should be entitled up to 1.1 mil but need to know what kind of side income is it, I need to know further on the company and role and how long you've been working there. Icic.. okay. I'll enquire more if Im happen to find one soon. Thanks for the reply. 👍Need atleast 6 months bank statement to find out your real average. However, tentatively you're able to loan up to RM1.1 mil until further inspection on ur documents. |
|
|
Aug 8 2016, 07:47 PM
Return to original view | IPv6 | Post
#5
|
|
Junior Member
171 posts Joined: Apr 2016
|
Wanna ask about lock in period.
"In the event of early termination of the equity home financing-i within the first three years from the date of the first disimbursement of the equity home financing-i " I wanna ask the first year starting when we pay the first interest during construction or starting from the day when we pay full installment loan amount? Anyone can advise? Thanks in advance. |
|
|
Aug 8 2016, 08:16 PM
Return to original view | IPv6 | Post
#6
|
|
Junior Member
171 posts Joined: Apr 2016
|
I've uploaded a picture regarding the lock in period.. any specific answer?
This post has been edited by Asmasw2020: Aug 8 2016, 08:20 PM Attached thumbnail(s) 
|
|
|
|
|
|
Aug 8 2016, 08:41 PM
Return to original view | IPv6 | Post
#7
|
|
Junior Member
171 posts Joined: Apr 2016
|
QUOTE(lifebalance @ Aug 8 2016, 08:33 PM) Yeap in this case is first 10% out already start counting Thanks. 😁 |
|
|
May 16 2017, 06:21 PM
Return to original view | Post
#8
|
|
Junior Member
171 posts Joined: Apr 2016
|
Hi Sifus,
Nett 3200 Other income(5000) Monthly Commitment Car Loan - nil Housing loan- 1577(currently renting out 1700) Credit Card 800 May i know what's my maximum amount of loan i can take? (Assuming 90%) Thanks. |
|
|
May 16 2017, 07:30 PM
Return to original view | Post
#9
|
|
Junior Member
171 posts Joined: Apr 2016
|
QUOTE(lifebalance @ May 16 2017, 06:24 PM) The other income 5000 is yearly or monthly? Monthly ( not fixed but around there everymonth for few years d)Got any payslip and bank statement to show ? Got declare income into income tax for the 5000 ? Also the rental income is it collect more than 3 months ? the credit card outstanding is 800 or installment is 800 per month ? Nvr declare(part time) Yes. This post has been edited by Asmasw2020: May 16 2017, 07:31 PM |
| Change to: |  0.0538sec
 0.35
 7 queries
 GZIP Disabled
Time is now: 11th December 2025 - 12:38 AM |
Quote