Hi all, my gf and i getting a house and want to take 90% loan which is 700k. But i already have 2 properties now. So for this house it will under my name and gf's name. For the loan will be under my gf. Will any bank offer loan for this case?

Assume my gf is commitment free and her salary is higher than required.

I see... thanks

Hi Sifu,

Got a question. I myself have 2 properties in hand. My gf just graduated and work in singapore for 9 months. now we plan to buy a house in JB cost around 830k and wish to loan 90%.

S&P will have both our names but the loan will under only my gf because if use my name for loan bank will only allows 70% max.

My gf salary is SGD3300 and no commitment, how high chances to get a loan? UOB told me that because my gf only works for 9 months, bank only allows 70%-80%.

clean. no cc, no car loan, no house loan.

But bankers give me the same reply. not confident because young n just working less than a year

ya, this is what I told her. But some ladies just dont care.. haha

Because she do have commitment and live in sg, she hardly use any credit card.

approve rate of 80-85% for 90% loan? Isnt that good enough?

Dear all,

Recently a bank offered me effective interest rate of 4.35 for loan amount of RM747k (35years). Does it consider a good rate? Can I know the average interest rate for this amount?

Is after appeal. Earlier they give 4.55%.

Thanks