1) if your name is inside the SNP and loan then yes, it's considered your first property already. If you want to transfer out your loan under your own name, you can, you'll need to refinance the property

2) For refinancing, you can request margin up to 80 - 90%

If you're planning on new purchase, you can apply for 90% loan + 5% for MRTA/Legal Fees

3) I'm assuming your age is below 35, therefore your loan tenure is 35 years.

You should be eligible up to 780k loan amount. However I will need to furhter clarfiy the amount you owe for your credit card outstanding

Will also need to check on ur CCRIS and CTOS.

Let me know if you have any further questions.

Dear Pink@pple,
1. Based on the details given by you, Your max loan eligibility for each bank is as follow: 
  Rm
A*BANK  287,613.33
H*NG LE*NG  431,064.88
M*YBANK  171,103.72
*CBC  169,025.88
R*B  336,200.89
U*B  169,025.88
C*MB  338,255.06
AFF*N  - 
PB*  338,255.06
HSB*  169,025.88

2. RM550K property price 90% = RM495K loan, would be impossible. As your debt is too high

3. Best solution is for you to settle the credit card outstanding 10k at least

Cheers

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Dear

it's best to settle the credit card outstanding than paying more downpayment.

By settling 10k outstanding, you can loan extra 70k loan. isn't it better? haha

Cheers
Dear Odinn,

1. Joint name in spa or loan? if joint name in spa, it's your property but doesn't consider as your loan. whereby you still eligible for 2. 90% loan and the installemtn debt doesn't consider as yours.

if joint name loan, the debt is consider yours and bank will include this debt as DSR calculation!

2. 90% + 2-5% (legal loan + valuaiton fees)

3. Based on the details given by you, Your max loan eligibility for each bank is as follow: 
  Rm
A*BANK  410,126.67
H*NG LE*NG  565,654.17
M*YBANK  612,251.67
*CBC  612,251.67
R*B  834,733.33
U*B  612,251.67
C*MB  905,654.17
AFF*N  - 
PB*  905,654.17
HSB*  612,251.67

" - I would need to check you CCRIS, CTOS and income documentation before giving you any assurance.

If everything goes fine, 90% shouldn't be a problem for you."

upload image from mobile
Cheers

Hi Pink@pple,

Your max loan eligibility is around 365k. Do take note that the 10k outstanding for your credit card will affect your scoring and max loan eligibility.

As you mentioned the property price is 550k, based on your current income, you might get a lower margin of finance. Do you have any other income that might help? Such as rental income etc.

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Hi Odinn,

1) As long as the loan doesn't involve you, you're still eligible to apply for 90% loan. If you're asking because you want to waive the stamp duty, it'll depend on whether you've redeemed the waiver before.
2) The max margin you can apply for will vary from bank to bank, but the maximum is 90%. You can add a few more percent for legal fee finance etc.
3) Based on the info you've provided, the max loan eligibility is around 795k.

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Hi tcch,

At a glance, your max loan eligibility will be around 250k, but there are some factors that aren't in your favour:
- Income is a little on the low side
- As you mentioned, you don't have any car loan or credit card. This basically means you have no payment history for the bank to review, so they're unable to tell if you're a good paymaster or not.

Do you have any other income that might help your loan application? Rental income, bank deposits etc?