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Mortgage Loan Package Inquiries, (Strictly NO Promotion Allowed)
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okteak
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 Feb 12 2015, 12:15 PM
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New Member
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QUOTE(DreamLord @ Feb 11 2015, 01:45 PM) Hello Sifus, 1. I am thinking of refinancing my bank loan. 1st disbursement was in Oct 2011 and the lock in period is 3 years. However, when I went to see the loan officer, they say I can only refinance in Oct 2015? It was on DIBs, does this affect the lock in period? 2. I bought MRTA as well, do I need to buy a new MRTA if I change bank? Many thanks for any advise. DL. DIBs...means the property still undercon and not yet get the key? |
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okteak
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Feb 13 2015, 09:31 AM
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New Member
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QUOTE(DreamLord @ Feb 12 2015, 01:47 PM) When it was under DIBS, developer was paying the interest, but now already got the keys. Was trying to understand why the bank told me I can only refinance from Oct 2015 when it was supposed to be 3 years from 1st disbursement. Thanks! looks like will have to purchase a new MRTA and put the cost in.. oic...u can just refer back the letter offer , it show loan effective after 1st disbursement or full disbursement.. if 1st disbursement means can refinance edi unless it show full disbursement . sumtime bank office will mistake also... |
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okteak
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Mar 2 2015, 10:29 AM
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New Member
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QUOTE(ed1torz @ Mar 1 2015, 08:29 PM) case own 2 residence property with 30yrs loan. looking for >85% loan for commercial/shoplot. possible? commercial loan max margin is 85% if ur income strong enough then no problem to get 85% loan margin This post has been edited by okteak: Mar 2 2015, 10:34 AM |
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okteak
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Mar 2 2015, 10:37 AM
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New Member
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QUOTE(relax88 @ Mar 1 2015, 11:19 PM) HI experts , what is the risk if buying a house without House TITLE? it is still with master title. if the property more than 10 years but still master title , it is hard to get loan to purchase. And there will be lack of second hand market since hard to get loan to purchase ,unless the buyer purchase with cash |
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okteak
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Mar 2 2015, 10:40 AM
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New Member
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QUOTE(mil23 @ Mar 1 2015, 12:55 PM) I want to ask if for sub contract worker don't have fixed income..no pay slip & kwsp..just got do income tax..can apply loan to buy house?what document to apply?Thank you.. just pass up 2 years income tax with receipt then able to apply the loan edi |
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okteak
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Mar 3 2015, 01:27 PM
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New Member
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QUOTE(chaos435 @ Mar 3 2015, 10:10 AM) How is DSR calculated if I am renting out a unit? consider income? yup. bank consider rental as a income , but must attach with tenancy agreement with stamping . without stamping bank may request min 6 month bank statement for proven . |
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okteak
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Mar 12 2015, 04:39 PM
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New Member
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QUOTE(randoll @ Mar 10 2015, 08:40 PM) Hi, I want to know usually refinance my housing loan takes how long? From submit documents until money is disbursed to me. Hi, normally 1-3 month |
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okteak
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Jul 4 2015, 11:31 AM
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New Member
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QUOTE(chanwaykit @ Jul 4 2015, 09:50 AM) Any banker from Affin bank? Need to enquiries for loan 012-9885022 ken from affin bank Ttdi pj. |
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