QUOTE(Madgeniusfigo @ Mar 1 2016, 04:06 AM)
Dear DriksoN,
1. Your actual gross salary is RM5K or 4K as per latest?
2. Do list down your Commission for 6 months, for more accurate calculation
FEB 2016:
JAN 2016:
DEC:
NOV:
OCT:
SEPT:
3. Bonus Rm3500 is for which year?
If your bonus is performance bonus, do provide 2 years of bonus total 2015 and 2014
Debt
4. Your car loan initial total borrowed amount from bank is how much?
DO provide me with above details for accurate analysis.
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However, as per vague details I have right now, putting every income at minimum, analysis for max loan eligibility as per below.
1. Max loan is RM615,000 for HLBB, the rest of the banks max loan eligibility do look at right bottom corner yellow highlight.
Hi, thanks for the initial calculation. Appreciate it.
To answer your question.
1) My current basic is RM4000+500 (fixed allowance, both included in EPF).
2) My commission is as follow.. Again all is subjected to EPF as well.
Feb16: RM1000
Jan16: RM1000
Dec15: RM605
Nov15: RM250
Oct15: RM215
Sept15: RM1115
3) Bonus RM3500 (13 month) is for 2015 as I am only 2nd year into my current job. No performance bonus yet for first year. However, I also received a RM850 for selling my annual leave back to my company on Dec15 and it is also subjected to EPF reduction.
4) Initial amount of car loan is RM90,000. Currently it is at around RM77,000.
Btw, is PTPTN included in CCRIS as well? And this property that I'm purchasing is still under con and completion is 2019. Thanks in advance.
This post has been edited by DriksoN: Mar 1 2016, 09:39 AM 
Feb 29 2016, 09:59 PM
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