1. If they are not over used more than 70% of the limit then its fine. Generally just keep a few cards will do. Like within 3 max.

2. Not true

3. No issue, as long as you have been prompt paying up

Curious when you say ceiling means?

oic nah it won't pull down the score.

getting ceiling scores in CTOS / RAM report doesn't mean you got no problem when it comes to applying loan, it's just how their system reads your overall scoring as an individual. The bank don't 100% depend on these 2 company's report when it comes to loan application time.

how to your u get 95% from max score? may i know where u can see / read this score? i got online ccris too, but never saw % in the report. Thanks!

1. No it won't affect as long as you do not over utilize them. There is no hard and fast rule about 70% or anything, but the credit controllers will apply 5% of the outstanding balance as your commitment when calculating your DSR. If you utilize more than 100% (yest it is possible, by not paying your minimum 5% for the month), then your score will likely drop.

2. Not necessarily. There is NO hard and fast rule about it. The way the credit controllers see these credit card applications are similar to other application, that is each credit application (not just credit card) will appear in your CCRIS. Is too many bad? Yes. But how many is too many. No one can give a definite answer since each credit controllers are human, each bank has an SOP but differences between the credit officers matter as well. I find that people who claim so and so is "too man" simply doesn't have experience working in a bank previously - they based their "findings" on hearsays
Are you referring to the CTOS score? Banks' credit controllers don't look at those. Those are arbitrary numbers set by CTOS, with some guidelines that they made up. It is a good score for your own reference, but it doesn't mean your score would decide everything on your loan applications
Most likely the score reported when you print out the CTOS report. The most important "score" is your CCRIS report, but there is no "score" to speak off. Just records of your repayment, current and under-application of credits/loans

But the "problem" is that the banks' credit controllers don't look at these arbitrary scores set by these credit companies. they have their own SOP and each banks are different. They look at the repayment schedule/discipline, current liability amount, liability limit, etc.

To be blunt, these "scores" are meaningless. You could get a high score, but still get your loan rejected, and vice versa. Making it more of a "syok sendiri" score. It's good if you get close to perfect score, which means you must be doing something great according to their eyes, but when loan applications are concerned, only the banks' credit department SOP matters.

It’s very confusing to give the full list because a lot are not applicable to me. I already mentioned I am under employment. Not business. But you still give list for business, agency etc. pening la. Thanks.

high chance, should be pass.

max loan is 606k, so 80% is okay

signed my Letter Offer yesterday, sealed the deal with PBB at 4.15%, semi-flexi (cuz i dont have much cash running around anyway  ) included OLTA.

OLTA is a little bit pricy but i am fine with that, it's within my budget. i also met with my insurance agent later the day to buy MLTA separately. so if anything happens my MLTA+OLTA=covers the house+extra leftover for my family.

PDS = product disclosure sheet.
inside PDS, there is COF (Cost of Funds), this determines the BR of the bank aside from BNM's OPR.

you can study the COF and see the BR trend of the bank. i see HLBB have fluctuations, MBB and PBB are quite stable (at least following OPR).

let the lowest ELR wins.

possible 3.7 - 3.8%

Same
3.8% and above
No, you will have to come up with the progressive payment first before the balance is disbursed from the bank by stages.

you can ask your sales purchase agreement lawyer how will they advise the bank during the disbursement.

Hi, I currently have two property loans under my name.

For a third property, is it possible to still get 90% bank loan if I joint name with my spouse? (My spouse hasn't bought any property before)

Should be able to get 3.70% ~ 3.80% pa.. as for Base Rate, should refer to your FA as they would know what they are offering.

good SR pf 0.55% as this is fix vs BR which will variable although outlook will remain low amid the current challenging time