Hello. Would like to enquire. If i have 1st property under conventional bank loan (90% margin of financing), and have 2nd prop under lppsa loan. Will banks allow 90% margin of finance for the 3rd property?

Good day sifus.

I'm a non bumi with a bumi (sabahan) wife.
I can be considered the sole breadwinner and my wife works on a part time basis. We can consider her income as negligible.

I've been told by SA tht her name needs to be the sole name on SPA to be eligible for bumi discount.

And if my name can't be on the SPA, I can't receive financing for the mortgage.

Is there any way for us to utilize her bumi status for bumi discount for new properties? Or even to buy bumi lot subsale.

This post has been edited by modjojojo: Mar 15 2025, 07:09 PM