Hi all, would like to get some unbiased advices from sifus here before going to banker. This is our first home buying, 0 experiences in dealing with loan application.

SPA - 722,000
After rebate - 622,508
Completion date - year 2023 Q2

Borrowers background -
- Couple, want to get joint mortgage
- both working overseas, paying income tax overseas (have solid payslip and income tax statement)
- total gross income for both RM21k, direct T/T every month to Mbb from overseas
- with good credit card record, savings around 250k
- the only loan at the moment: PTPTN
- Will have extra income every month (bonus, stock market)

Questions are:
- malaysian working abroad able to get loan?
- Able to get 90% margin?
- Semi or full flexi? Which bank is prefered?
- My preference: to commit more every month by depositing into linked savings/current account to reduce the principal amount (thus the interest), and being able to withdraw out anytime in case of emergency/investment.

Thank you in adv who able to help with my doubts

This post has been edited by cheekiat95: Jun 12 2020, 08:51 AM