For your wife, Banker still will ask for past 3 mths payslip, bank statement to show the mthly salary bank in, Credit Bureau report --> can get from creditbureau.com.sg, CPF statement.
Some bank will ask for "Company Letter" either the latest from HR stating ur position, salary, years of service or "Offer Letter"

Any sifu can provide your advice?

1) CIMB - 3.15%, 35 years, 773k (including MRTA - full coverage, 35 yrs), semi flexi

2) RHB - 3.05%, 35 years, 773k (including MLTA - 700k 25 yrs), fully flexi

Which one is better?

Got 2 offer.

UOB (2.61%+0.28%=2.89%)
MBB (1.75%+1.30%=3.05%)

I see UOB is offering lower rate, but I worried that it might increase in a faster pace compared to MBB due to change of OPR in future. In the end, the rate might even higher than what MBB offered in future.

Anyone can share some experience on this?

I worried that the UOB deal is too good to be true.

Hi Bankers,

For property auction loan how much DSR can guaranteed to get the loan?

RHB My1 Full Flexi Home Loan:
Loan amount: 868,000
Mrta: ~17,000 (400k 30years)
Tenure: 35years
Rate: 2.5 + 0.55 = 3.05%
Monthly: RM3434

Affin Bank Home Solution Plus:
Loan amount: 868,000
Mrta: ~24,000 (800k 30 years)
Tenure: 35 year
Rate: 2.7 + 0.25 = 2.95% first year, then 2.7 + 0.3 = 3%
Monthly: RM3424

Which one is better yeah?

Nope, I should ask him about it.

Is it significantly more expensive than MRTA?

This is my personal experience why I'm going for RHB. Public bank deal is good if you dont dump cash.

Public Bank Full Flexi:
70% set off interest on extra prepayment amount
Example loan 500k, put in 100k extra prepayment, will minus 70k (70% x 100k)  and use balance 430k to calculate as interest
No Withdrawal fee on extra prepayment
RM10 monthly maintenance fee
RM200 set up fee

Similarly, full flexi in RHB, Slightly higher interest rate 2.95% but 100% principal reduction. No withdrawal fee, No setup fee.

But I was notified that in RHB you wont be able to enjoy interest reduction during construction. Cash dumped in during construction, cannot redraw. (Appreciate if someone could validate this)

Another update i got from RHB, extra money dumped into the principle prepayment account will enjoy interest reduction during construction period BUT you can only withdraw the money once the loan is fully disbursed.

Yes, as shown and you can cross check the interest rate are indeed per agreement signed.
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