Mortgage Loan Package Inquiries, (Strictly NO Promotion Allowed)
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 May 18 2017, 12:10 PM
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#1
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Newbie
10 posts Joined: May 2017 
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QUOTE(Win Win Inspiration @ May 18 2017, 10:45 AM) Thank you sir. Learned so much from you. Hi,  Need some help here. Received quotation from PBB, 30 years loan, joint app with wife, loan approve 358K, 85% margin. quoted mrta 18k. I want to change the mrta to mlta to get a higher margin. Can it be done? |
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May 18 2017, 12:21 PM
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#2
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Newbie
10 posts Joined: May 2017
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QUOTE(lifebalance @ May 18 2017, 01:17 PM) You don't really need a PhD on the MRTA and MLTA comparison and it's already available widely in the forum and other sources. Search around rather than re-posting similar write ups My 2nd housing loan. Hi May I know you're applying for commercial or housing loan ? Because Commercial Margin is normally 85% only and you can't really get 90% no matter it's MRTA or MLTA. Where as if it's for housing loan then any reason why the bank reduce your margin ? No enough income or over commitment ? My nett income around 3.6K a month Wife : 3.5K Commitment : Me: car: 388, 1st house : 367. Wife : RM 100 PTPTN. Outstanding balance credit card around 5K. |
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May 18 2017, 12:31 PM
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#3
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Newbie
10 posts Joined: May 2017
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QUOTE(lifebalance @ May 18 2017, 01:27 PM) http://i.imgur.com/PB2Wauv.jpg Seems like no issue for you to apply for the housing loan. Have you tried other banks ? Me : 26 , wife 27. PBB offered 4.15% for the first year, 2nd year till the end , 4.27% already submit to MBB, AMBANK & AFFIN. waiting for good news now. |
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Apr 5 2018, 11:26 AM
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#4
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Newbie
10 posts Joined: May 2017
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Hi, I have a new apartment waiting to VP this month. SPA price of 100K, got rebate from government 30k. My current HL is 70400, 5.5% from PBB.
I'm thinking to refinance to settle my car loan. Is it possible to get 90% from 100k? |
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Jun 28 2018, 05:18 PM
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#5
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Newbie
10 posts Joined: May 2017
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Hi,asking for my wife,
Had a refinance facility with ambank. but only allow 10 years. Currently paying 1350 per month. Is it possible to refinance the same property to get the 30-35 years period? MV around 140k, able to cash out 125K last time. |
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May 11 2020, 03:11 PM
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#6
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Newbie
10 posts Joined: May 2017
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Hi,
Interested to refinance my apartment. just want to check the MV. |
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