Mortgage Loan Package Inquiries, (Strictly NO Promotion Allowed)
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 Mar 22 2015, 03:39 PM
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#1
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Junior Member
51 posts Joined: Apr 2011 
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Hi,
Similar to dengko, I am interested to find out the options in securing my next property. At this moment, I am holding 2 properties in Malaysia which I bought before my departure. It has been a year now from the date of departure and I am interested not only to get another property but also to refinance my current property which I bought 3 years ago. Appreciate your advices |
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Jul 19 2017, 08:46 PM
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#2
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Junior Member
51 posts Joined: Apr 2011
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Hi,
Need some help with my home loan application. I am currently working in oversea. I intend to purchase a new house in KL. I have been in oversea for 3+years. I have 2 houses now under my name where I have just recently sold 1. I have to clear my name on the 2nd house in order for me to be eligible for the 90% loan Question here would be: 1) What are documents needed for me to apply the loan? 2) Which Bank currently offering the best and lowest interest? Looking forward for some guidance Thanks in advance |
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Jul 20 2017, 05:28 PM
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#3
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Junior Member
51 posts Joined: Apr 2011
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QUOTE(wild_card_my @ Jul 20 2017, 12:40 AM) Hello Thanks all for the guidance and information. Since all of you sent me the same question, please see below my reply:1. Which country are you working in right now? 2. You don't have to clear the name in the CCRIS as long as you can prove to the bank that you are applying from that you have sold the house by providing the stamped SPA between you and the new owner, along with a copy of the old letter offer for the new bank to tally the loan attached to the sold-off property and cross it off from your CCRIS 3. Is the property that you are buying subsale or underconstruction? CODE Documents for mortgage application for purchase from developer (joint-applicants to provide as well) PERSONAL DOCUMENTS - NRIC front-back (do not cross) PROPERTY DOCUMENTS - Booking form provided by developer's agent - Individual/strata title (if available) OTHER INCOME DOCUMENTS - Stamped and valid tenancy agreements (for rental income calculation) - Bank statement OR transaction history (to verify rental income) - Investment passbook/statement (applicable for shares, ASB, unit trusts, Tabung Haji) LOAN COMMITMENT DOCUMENTS - Hire-purchase letter offer - ASB loan letter offer - Personal loan letter offer - Settlement letters from previous loans - PTPTN settlement/restructuring letters (if applicable) EMPLOYMENT/CONTRACTUAL DOCUMENTS - 3 months payslip (6 months payslip required for variable allowances or commission earners) - 3/6 months bank statement OR transaction history - Latest EPF statement - 2 years EA form to include past years bonus payouts - Job letter offer (if new at current company OR holding a contractual position) ADDITIONAL DOCUMENTS FOR MALAYSIANS WORKING OVERSEAS - Passport - PR documents and/or work permit - Tax documentations 1) I am working in Germany 2) I am buying the house from developer (new) and completed with CCC Quote: "2. You don't have to clear the name in the CCRIS as long as you can prove to the bank that you are applying from that you have sold the house by providing the stamped SPA between you and the new owner, along with a copy of the old letter offer for the new bank to tally the loan attached to the sold-off property and cross it off from your CCRIS" - Does this applies generally to all banks in Malaysia? Thank you again. |
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Jul 20 2017, 07:16 PM
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#4
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Junior Member
51 posts Joined: Apr 2011
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QUOTE(lifebalance @ Jul 20 2017, 06:21 PM) Generally you'll still have to wait for the settlement of the previous bank loan, but they can still approve ur loan on the condition that you provide the documents that the old loan is settled off. This is the actual issue I am bringing up here. I must repeat again:1) By using the signed SNP where the house that I sold has not even paid by the buyer's financial institution, can I submit my loan application with the booking form and obtain 90% loan margin? |
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