Mortgage Loan Package Inquiries, (Strictly NO Promotion Allowed)
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 Jan 7 2016, 01:31 PM
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#1
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Junior Member
300 posts Joined: Jan 2013 
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hi..
need advise here.. my take home pay is 3.8k study loan settled, no other commitment. what max loan i can get? personal loan/property loan. and do i get this right? for house u can get 90% financing, for land 70% if not, pls advise tq |
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Jan 7 2016, 01:38 PM
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#2
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Junior Member
300 posts Joined: Jan 2013
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QUOTE(lucifah @ Jan 7 2016, 01:36 PM) your 3.8k is nett after minus statutory deductions eg epf & socso? yes.. epf socso tax non fixed allowance no need kira right? |
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Jan 7 2016, 03:07 PM
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#3
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Junior Member
300 posts Joined: Jan 2013
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QUOTE(Madgeniusfigo @ Jan 7 2016, 03:03 PM) Dear call me random got cc.. ,1. With your income, max loan eligible is RM630,000 2. You have no debt? not even credit cards? That's quite bad for credit scoring. Your ccris if no record, bank can't identify your payment pattern, hence they doesn't understand you and wouldn't finance you the loan when they don't understand you. 3. However, If you have strong saving amount in your bank account, it will help boost your credit scoring, because they view you as someone with good saving behavior. 4. If finance only land, margin of finance will be 50-60%. If finance housing loan, it is 90%. If finance land and construction can be 70-80%  damn 50% only.. so ready cash amount governs la. nvm the loan amount  |
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Jan 7 2016, 03:10 PM
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#4
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Junior Member
300 posts Joined: Jan 2013
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QUOTE(Madgeniusfigo @ Jan 7 2016, 03:05 PM) Dear, the allowance varies.. most of the time enough to offset the deductions lol1. If allowance is in variable state, provide 6months of proof of allowance income. Some bank needs 3 months of proof, eventhough it is variable. Different bank different ball game, different method, different policy. Lol  sometimes more sometimes less.. doesnt matter now.. need to calculate using cash amount i think..  tq |
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Jan 8 2016, 08:23 AM
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#5
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Junior Member
300 posts Joined: Jan 2013
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QUOTE(Madgeniusfigo @ Jan 7 2016, 03:03 PM) Dear call me random hi its me again ,1. With your income, max loan eligible is RM630,000 2. You have no debt? not even credit cards? That's quite bad for credit scoring. Your ccris if no record, bank can't identify your payment pattern, hence they doesn't understand you and wouldn't finance you the loan when they don't understand you. 3. However, If you have strong saving amount in your bank account, it will help boost your credit scoring, because they view you as someone with good saving behavior. 4. If finance only land, margin of finance will be 50-60%. If finance housing loan, it is 90%. If finance land and construction can be 70-80%  may i query about personal loan as well? tq  |
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