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 Mortgage Loan Package Inquiries, (Strictly NO Promotion Allowed)

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maximillan
post Dec 28 2015, 08:09 PM

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Dear Sifus sekalian...

Will balance transfer paint a bad pic to my CCRIS rating?
maximillan
post Dec 28 2015, 08:24 PM

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QUOTE(ims2628 @ Dec 28 2015, 08:22 PM)
not really but balance transfer will be counted as commitment.
*
thanks yo.. ald paid dy... js scad they will scrutinise the credit history.. LOL
maximillan
post Jan 24 2016, 11:44 AM

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QUOTE(Madgeniusfigo @ Jan 20 2016, 12:06 PM)
Dear,

what's your loan amount that you gonna refinance?
CODE
1.Borrower
a.age
b. No. of borrowers
c. no. of housing loan

2. Income (borrower)
a. Gross salary
A:
B:
b.Variable income for business (6months latest)
"1.
2.
3.
4.
5.
6."
c. OT
d. Fixed allowance
e. Variable Allowance (6months latest)
"1.
2.
3.
4.
5.
6."
f. Bonus contractual (1 year bonus amount)
g. Bonus performance (2 years bonus amount)
h. Comission (6 months, each month amount from the earliest)
"1.
2.
3.
4.
5.
6."

3. Supporting income (borrower)
-Tenancy agreement rental (6months)
"1.
2.
3.
4.
5.
6."
i. ASB ( 2 years total DIV)
j. Shares dividend
k. Fixed deposit

4. Debt / commitment (borrower) "joint or indiv"
a. Hire purchase loan (Borrowed amount)*
b. Housing loan (Borrowed amount) (Joint or indiv)
c. Personal loan (Credit limit)
d. PTPTN (credit limit)
e. Credit card (Outstanding/usage)
f. ASB loan ( credit limit)
g. Overdraft ( Credit limit)

4. Background (borrower)
a. Occupation
b. age
c. currently staying at?

5. Property
a. purchase price
b. subsales or underconstruction
c. freehold or leasehold
d. 1 borrower or joint borrower

*
Hi guys,

whats required to check on loan capability profile on the few mentioned banks in the analysis? not sure whether below is sufficient to assess?
Kindly help notworthy.gif




1.Borrower
a.age- 27
b. No. of borrowers- 1
c. no. of housing loan- none at the moment

2. Income (borrower)
a. Gross salary-5k


3. Supporting income (borrower)
j. Shares dividend- 500

4. Debt / commitment (borrower) "joint or indiv"
a. Hire purchase loan (Borrowed amount)- 30k (600 monthly, 1 yr plus to go)
e. Credit card (Outstanding/usage)- Nil (always pay on time)


4. Background (borrower)
a. Occupation- senior exec
b. age- 27
c. currently staying at- with parents

5. Property
a. purchase price- 450k
b. subsales or underconstruction- new, going to Sign SnP tis year
c. freehold or leasehold- freehold
d. 1 borrower or joint borrower- 1 borrower

maximillan
post Jan 24 2016, 02:08 PM

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QUOTE(lifebalance @ Jan 24 2016, 01:13 PM)
Your loan can pass with the purchase of 450k and loan 90%

If you need help with loan application let me know. My services are free
*
rclxms.gif kool! be sure to find u if i nid any biggrin.gif many thanks!!

btw is need possible to find out whats the maximum value of property i can go for with the profile?
bit curious on tis

blink.gif
maximillan
post Jan 24 2016, 04:19 PM

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Junior Member
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Joined: Sep 2011
QUOTE(lifebalance @ Jan 24 2016, 02:13 PM)
About 450k to 550k
*
tkss!!

 

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