my third question, my wife had secured a loan for a property 1 month ago, can she apply a second loan for a second property? from the same bank or different bank?

Hi, Can I joint loan with my wife for a property but I am not a co-owner of the property? Only my wife name will be in the SPA.

My second question is, I am a Singaporean and my wife is a Malaysian. The property name will be under my wife. If I joint loan with her or become her guarantor, is this property considers as foreigner owned property ?

may i ask about! recently i buying a house is RM360k
but the agent told me that can do full loan as because the owner is selling under bank value. is it possible to do full loan for something like this?

and the agent told me if doing full loan. the bank if approved the loan after the 3-4th months later the bank in credit back the 10% of the payment i made to owner 8% & 2% for the agent.

extra info-
the owner own this property is around then 10years

hi,
need so help from banker to any other way  to reduce mine monthly commitment or try get extra loan for renovation when moved in,,,
basically,
the sub sales house 1718000 mine third property
able to nego until 1580560 8% discount

now HLB already approved  me 70% 1202600 with monthly 5763 35 years

and

refinance one of mine house with cimb approved 310000 monthly 2400 15 years with balance from previous bank 80k

so now i personally need top up
147960 plus around 25 k for bank side legal fee. cause the other legal fee bare by the owner

so what i hope is that any bank offer like any of the below will help me
-extra renovation loan
-reduce mine monthly commitment
-can finance the legal fee in the loan
-able to extent the refinance tenure for longer period? ?
-get higher evaluation for the refinance house.

Hi all...need some advise before approaching banks..me and my wife is planning to buy an apartment (thinking to buy from current house owner - currently renting)..value should be around 180k-200k..the thing is, i am under akpk

we were thinking to mortgage my wife's land (under her name) to bank to secure a housing loan..is it possible? the land is a tanah pertanian..about 1 acre plus

wife salary is only 2k without commitment..can i help out by withdrawing my account 2 kwsp?

Redirecting here as this is a dedicated Mortgage Tread.

I have no interest, you need to tag original poster poorguy2020

Not sure if this is the right thread to ask,

Anyway, can anyone advise on how the GST is going to impact on Legal Fees, SPA stamp duty, loan fee..
Thanks in advance.

if my wife apply loan for the apartment, can i withdraw my epf to reduce the loan amount?

lack of 10% downpayment.
possible get 100% housing loan?

KWSP not yet enough to pay for 10%. so sad.
the problem is 10% personal loan applying, then housing loan will be fail.

KWSP of cz got partially, but still lack of..
let say my hse is 400k, still lack some before reach 40k (10% deposit).
no other way to loan 100%?
i saw website got some info about skim rumah pertama.
not sure is applicable or not, anybody applying before?

yeah, this is what i mean.
just not sure still applicable or not.

Hi All,

Seeking some expert advice here as I got offered from few banks so far:-

Bank A: 3.65 + 0.90 = 4.45 (MOF: 90%, Tenure: 35 Years) + Sum $ MRTA
Bank B: 3.99 + 0.41 = 4.40 (MOF: 90%, Tenure: 35 Years) *No MRTA included
Bank C: 4.02 + 0.43 = 4.45 (MOF: 90%+5%, Tenure: 35 Years) + Sum $ MRTA

I am still waiting for another two banks but it seems that they may take quite long time to get back to me. Thanks.

Edit: Thanks Jasoncat on your earlier advise.

Hi everyone,

I need some advice about buying the third property for investment. Is there any housing loan restrictions that I should aware about other than "must-pay 30% downpayment"?

What heard that banks will not entertain if I want to make loan less than RM100k to buy the third property. Is that true?

Thanks.

Hi all,

need some advices at my case...but 1st sorry for my crappy english 

so my father have a house that joint name with his another 2 sisters. House loan was finish paid off. Now he suggest  me to buy that house and he'll put his share to the house as downpayment or something similiar like that. My question is, what is the procedure i need to go through? and did it means i only need to loan 60-70% of the house price?

Thanks in advance.

so sad. no 10% really no need to buy house..

hopefully too..
buying house really not simple for 1st time buyer.

sorry ya.
how to calculate dsr?

I'm sure this has already been asked before...I've asked elsewhere but the answers I've received are mixed...is there any benefit to taking a joint loan vs an individual one?