About RM250k - RM390k, to be safe, try to get around 300k, going 390k would stretch the DSR very tight.

Dear,

1. Your partner is your spouse?

2. FD joint name, hence Rm42k for your part. Make sure it has more than 1 month mature period left.

3. I overstate your car loan installment as bank calculation usually higher.

4. personal loan credit limit around 8k right?

5. With all your given income and debt details is correct. Your max loan eligibility is RM600,000 for HLB and the rest do look at yellow highlight at right bottom section for each bank.

6. Your income is high due to bonus contribution. Rm400k property shouldn't be a problem

7. 100% loan is possible but chances not high, due to the fact, DSR almost 60%, however this really based on your profile, company type, your profession type. Hence, I can;t promsie you but I can try with 100% loan.

8. 90% Margin of finance is high. However, I don't want to promsie you yet, as I need to look at your ccris, ctos and income documentation before giving you my assurance.

9. If you need help, don't hesitate to ask, I don't bite.