hi, even you pay minimum payment for your credit card, bank will calculate it as your monthly commitment, that is why your banker told you to get joint income to increase your DSR ( Debt Service Ratio. )

higher credit limit only will be affected the personal loan or credit card application. it won't be affect your housing loan application.

share margin won't be take into calculate of your DSR.

Alliance bank overdraft facility do not have any monthly fees. only have half yearly current account maintainance fees of RM 20.

there is no bank to offer BLR rate at this moment. Now all bank is offering BR which is call base rate. If you are buying subsales you can submit your loan application to other bank as well. Because different bank will offer different interest rate and term conditions.

Hi, MRTT is cover for dealth and TPD. is depend on you want to cover until what age. if you plan to sell your property in 10 years later on then you can choose 10 years.

you may check with your approved bank whether allow you to dump in extra money into loan account to reduce the principal and interest rate.

Anyway you can check with your approved bank because they are responsive on your loan account whereby we are here just give our opinion for your reference.

CIMB offer good housing loan rate. you can consider to take it. if other bank offer you lower interest rate with low margin of finance, you also need to take out alot of money to pay for downpayment.

1.sales staff and bank services.
2. bank branch
3. loan package

based on the loan size, the interest rate that MBB offer to you is acceptable.
MRTA you can ask your banker to provide you the quotation so that you know the MRTA premium is cover for how many years. In case you feel that don't want to cover for so long period, you can ask for change the coverage tenure.

if the bank allow you to finance under 3rd party charge then you can apply.

you may call this number and i'm sure they can explain to you very detail.

Call our Customer Care Centre numbers for ALL your banking services.
•Overseas and West Malaysia: 03-9206 8118

in case they can't explain to you then i think you don't have the confidence to accept their loan.

1.can loan
2.25 years
3.margin of finance is up to 90% of the property

Rhb bank do offer flexi loan, u may refer to them.

welcome.

Alliance bank no capping on prepayment.

That one is call valuer and charge by valuer. Fees is depend on ur property value.

entitled loan and market value is different. so you need to check with your loan office how much is the market value.

example, market value is 436k, Margin of finance is 90% so is 392,400.

lets said you entitle for loan 392,400, but your purchase price is 378,000.

if you want to get loan amount of 392,400, then your Sales purchase agreement need to follow market value 436k then stamping fees will charge based on 436k.

if you take purchase price of 378k, then sales purchase agreement will follow 378k and stamping fees based on 378k.

Exit penalty is charge how many percent ?

then you can consider to take A package.

you are most welcome.

Bank won't decline ur loan if u didn't apply with credit card. It just a bundle for ur application. Housing loan can approved but credit card can be reject.

U can visit ur bank and claim back the late payment charge.

Normally privilege banking , relationship manager only focus on wealth product, so they still will refer to their mortgage staff to process the loan application.

Nowaday bank do need income document to support the repayment due to AMLA issue.

i'm from Alliance Bank but i won't do this kind of thing like apply credit card without client consent.

this is consider miss use of customer information and is very serious issue.

you can call to contact centre 03-55169988 to highlight your issue to them.

by the way, bank only will process your card application if you sign on the application form. Unless your banker or loan agent help you to sign.

there is 2 type of credit card application form.

1. mortgage bundle credit card application form

2. stanalone credit card application form.

hope this info can assist you.