I'll be working overseas soon, but still on the lookout for properties in Malaysia. Any challenges in getting a loan while getting income outside of Malaysia?
Mortgage Loan Package Inquiries, (Strictly NO Promotion Allowed)
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 May 31 2024, 10:08 AM
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124 posts Joined: May 2020  
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Jun 10 2024, 10:59 AM
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#2
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124 posts Joined: May 2020
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QUOTE(hotmission @ Jun 7 2024, 10:21 PM) not a problem. just verify your income when asked. Will payslip alone be enough? What about credit repayment history? |
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Jun 30 2025, 09:34 AM
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#3
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Applied loans with RHB, Hong Leong and MBB. Got the same offer 3.8% from all banks. Looks like 3.8% is the lowest they can go for now.
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Jul 1 2025, 12:27 PM
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#4
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QUOTE(vin39 @ Jul 1 2025, 11:46 AM) your 3.8 is for loan more than 500k or less than 500k? >500K. RM790K to be exactThis post has been edited by Mixxomon: Jul 1 2025, 01:14 PM |
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Jul 1 2025, 02:36 PM
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#5
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QUOTE(chang3rd @ Jul 1 2025, 02:29 PM) What kind of loan is it ? Semi-Flexi and Full Flexi. Need to pair with MRTA/MLTATerm loan, Semi-Flexi, Full-Flexi ? This post has been edited by Mixxomon: Jul 1 2025, 02:37 PM |
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Jul 7 2025, 09:03 AM
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#6
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124 posts Joined: May 2020
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QUOTE(ahkit123 @ Jul 6 2025, 04:06 PM) 3.8% is good rate. heard blr will go down again ya. With so many taxes introduced and subsidy cuts coming, Gov will have to ramp up the economy by cutting down interest. I predict end of the year once they know what that Trump guy is exactly up to with his tariff.This post has been edited by Mixxomon: Jul 7 2025, 09:03 AM |
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Jul 31 2025, 06:18 PM
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#7
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QUOTE(mushigen @ Jul 31 2025, 10:12 AM) Dear all, AFAIK, we appeal for lower interest when our loan is approved. Apparently it's sort of "SOP" when it comes to home loan. Normal. Banks usually will offer slightly better rates if you take some of the product like Credit Card, MRTA/MLTA bla bla. I had a discussion with CIMB loan officer. She said to appeal for lower interest, borrowers need to become preferred customers in order to get the interest lowered by 0.15%. Else, we must take the offered interest rate if we take up the loan - no grounds appeal. Anyone has similar experience? Or I kena goreng, in order for her to get credit for introducing people to become preferred customers? But in truth it's not tied to the contract. You can just cancel the credit card once your loan agreement signed. mushigen liked this post
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