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 Mortgage Loan Package Inquiries, (Strictly NO Promotion Allowed)

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cheehing
post Mar 31 2015, 11:48 AM

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hi all, im first time buying a house...
plan to buy a second hand houses but may i know is there any bank offer 100% loan ?
cheehing
post Mar 31 2015, 02:45 PM

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QUOTE(ims2628 @ Mar 31 2015, 12:05 PM)
have you met skim rumah pertamaku requirement?

http://www.srp.com.my/en/criteria.html
*
thanks for the infor but the T&C below disqualified me....event joint also got limit to RM5000 per applicant.
-Single applicant gross income not exceeding RM5,000/month and joint applicants gross income not exceeding RM10,000/month (based on gross maximum income of RM5,000/month per applicant)

any other way to get the 10% d/p?
cheehing
post Mar 31 2015, 02:58 PM

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QUOTE(ims2628 @ Mar 31 2015, 02:54 PM)
unless owner agree and the bank value for the house able get higher, to cover up the 10%, but normally in this situation most owner doesn't agree as they gonna pay extra tax for the sales and purchase value.

max i could help is 95% which valuation fees and legal fees added in the home loan.
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u from which bank? i heard some bank offer renovation or personal contingency loan and the rate is not fix rate as personal loan and the max tenure is 10 years. can apply this to cover the 10% d/p?

cheehing
post May 17 2015, 11:33 AM

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Anyone familiar with RHB full flexi home loan?
Its a bit diff from normal full flexi offer by other bank

It don't hv to pay RM10 every month
It hv current account n loan account but the amount in current account will nv sync with the loan account, which means u hv to do transaction between both account but no hassle fees on all the transactions. But have to maintain at least rm1000 in current account else will charge rm5.
One thing it similar to semi flexi account is, the current account will hv standing instruction on every first of month to transfer the installment amount to loan account.

What I want to ask is, can I still put in all my salary into the loan account once I got my salary n withdraw only when I need to use it to save the interest?
Is it all the house loan interest rate also daily basis?

This post has been edited by cheehing: May 17 2015, 11:43 AM

 

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