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Mortgage Loan Package Inquiries, (Strictly NO Promotion Allowed)
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Maiiyowei
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 Jun 4 2020, 09:13 PM
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QUOTE(aleyna58 @ Jun 4 2020, 08:55 PM) Hi this is my first time trying to buy a house. Is it possible to purchase house under my name but loan joint together with husband? And is there such pre approval loan in malaysia? Id prefer to search house based on my approved loan not the other way. Thabk you guys! Yes, u can join applicant with your husband for bank loan and snp under your name only. Calculate your DSR, so u know how much loan amount can be approve by bank before looking for house This post has been edited by Maiiyowei: Jun 4 2020, 09:16 PM |
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Maiiyowei
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Jun 10 2020, 05:41 PM
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QUOTE(gugukrez @ Jun 10 2020, 04:39 PM) What is the maximum loan can get for below A - 2 house Nett sly - 8000 Commitment - 4680 B - 2 house Nett sly - 8000 + 11,000 (overseas income) commitment - 4680 3rd house can get 90% loan? How much is spa price and loan amount for 3rd property? Spa price need 600k above for 3rd property to get 90% Got rental for 2 houses? This post has been edited by Maiiyowei: Jun 10 2020, 05:42 PM |
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Maiiyowei
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Jun 11 2020, 04:43 PM
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QUOTE(lifebalance @ Jun 11 2020, 02:44 PM) Combine net income 9000,each 4500 salary, another one commitment 3k,dsr burst. Another one can get monthly installment loan amount RM3150 . Need to know how many month bonus per year. Better find agent or banker to help u calculate your DSR . This post has been edited by Maiiyowei: Jun 11 2020, 04:50 PM |
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Maiiyowei
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Jun 11 2020, 04:49 PM
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QUOTE(digitalz @ Jun 11 2020, 02:51 PM) Thanks! Even with the current market? By the way, the ages of the borrowers would be 32 & 33. Would the number still apply? Based on your expertise - which bank and/or what type of loan should we opt for? (Semi-flexi, full flexi etc?) If the person without commitment have net income 4.5k-5k,then can get loan approval for 750k,based on 3.4 interest rate and 35 years loan tenure |
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Maiiyowei
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Jun 11 2020, 06:14 PM
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QUOTE(lifebalance @ Jun 11 2020, 05:18 PM) You're wrong. That is not the right way to calculate. I'm the banker / agent btw. Okay, u are right then 😆😆 |
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Maiiyowei
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Jun 14 2020, 01:19 PM
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QUOTE(Mochacoffeelover @ Jun 14 2020, 12:39 PM) Hi community! I looking forward if anyone could advise me, thank you. Just looking for 0% down payment project, then u can have 100% mortgage loan. Maybe just need booking fee, and return after vp. Net income 5k? Got commitment? |
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Maiiyowei
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Jun 14 2020, 09:35 PM
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QUOTE(lololkangary @ Jun 14 2020, 09:17 PM) Hi, How much loan can I actually get and what are the best rates currently for the following? What type of loan should we opt for too? Nett around 4300 No commitment but have credit card Current SPA price - 820000 Will I be eligible to get a loan for the price above? Thanks Need to know after rebate price is how much, cc got monthly installment?how old are u? if don't have cc outstanding, and below 35years old,,then monthly u can get RM2800-3000 installment from bank. For your income, around 3.2-3.4%. This post has been edited by Maiiyowei: Jun 14 2020, 09:36 PM |
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Maiiyowei
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Jun 15 2020, 12:18 AM
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QUOTE(lololkangary @ Jun 14 2020, 10:02 PM) That is after rebate price, no monthly installment for cc. 26yo. What do you think is my loan approval rate? My DSR is high right? Maybe u can try with 1 year bonus for affin,cimb and am bank, impossible can get approval from Maybank, public bank and hongkong bank,your DSR is low, below 5k net income consider low, only can get 60/70%,add join applicant maybe easy to get approval |
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Maiiyowei
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Jun 15 2020, 02:22 AM
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QUOTE(lololkangary @ Jun 14 2020, 10:02 PM) That is after rebate price, no monthly installment for cc. 26yo. What do you think is my loan approval rate? My DSR is high right? Another advices to you, u just 26 years old with below 5k net income, do u really need to purchase a property with 820k price? This project offering cash back? I think u better choose below 500k property, for your own good, I didn't say u can't afford, just my 2 cents advices. |
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Maiiyowei
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Aug 3 2020, 09:33 PM
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QUOTE(armyonfire @ Aug 3 2020, 07:05 PM) Hi everyone. Hope everyone is doing safe. Not sure if this is the correct place to ask but I’ll try. Recently I’ve got approval for my housing loan at 2.9 p.a for 35 years. And their criteria is to have a pbe bank credit card together with the loan. Currently the housing loan has been approve and I’ve sign the letter of offer. However for the credit card, their HQ applied for me 50k (as per my ccris report). What are the chances of the credit card approval? I’ve asked my local branch banker they did not know much about it as it is applied by the HQ. I’m okay with the credit card limit, but funny is my pay is only 5k. Are they giving me 10x of my salary for the credit card? Or it is only applied for and later will be approved accordingly? Thank you so much U have a lot cash in your bank account it's? |
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Maiiyowei
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Dec 27 2020, 01:01 AM
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can anyone let me know which bank can get 90% loan margin for third property, spa price 330k:
Single storey joint bank,husband with wife
Double storey lppsa husband
Double storey lppsa wife
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Maiiyowei
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Dec 31 2020, 08:43 AM
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Anyone know which bank allow 90% for third property below 600k? Spa price RM340k only, thanks 🙏
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