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 Mortgage Loan Package Inquiries, (Strictly NO Promotion Allowed)

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party
post Feb 29 2016, 01:13 AM

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Senior Member
811 posts

Joined: May 2013
1.Borrower
a.age = 29
b. No. of borrowers = 1
c. no. of housing loan = 0

2. Income (borrower)
a. Gross salary = RM4500
b. OT = Btw RM 100 - 300 due to stricter policy now.
c. Bonus performance (2 years bonus amount) -
2015 RM6.4k
2016 RM11k


4. Debt / commitment (borrower) indiv
a. Personal loan - borrow RM16k (int 20%) on July 2015. 4 years 6 months to go.
b. PTPTN - RM30k

4. Background
a. Occupation - Banking Shared Service Center
b. age - 29
c. currently staying at - rent room at bkt jalil

5. Property - None yet. Want to know what's the price range I should be targeting. Might look to buy this year.
party
post Feb 29 2016, 02:09 AM

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*****
Senior Member
811 posts

Joined: May 2013
QUOTE(lifebalance @ Feb 29 2016, 01:28 AM)
What's monthly for your Personal Loan and PTPTN ?
*
PL - RM450 monthly
PTPTN - RM150monthly
party
post May 9 2016, 03:36 PM

Enthusiast
*****
Senior Member
811 posts

Joined: May 2013
QUOTE(party @ Feb 29 2016, 01:13 AM)
1.Borrower
a.age = 29
b. No. of borrowers = 1
c. no. of housing loan = 0

2. Income (borrower)
a. Gross salary = RM4500
b. OT = Btw RM 100 - 300 due to stricter policy now.
c. Bonus performance (2 years bonus amount) -
2015 RM6.4k
2016 RM11k
4. Debt / commitment (borrower) indiv
a. Personal loan - borrow RM16k (int 20%) on July 2015. 4 years 2 months to go.monthly - rm450
b. PTPTN - RM30k monthly rm 190
C. Hlb personal loan 8k. 14months to go..monthly rm430
D. Cc debt rm12k
E cc - dial for cash - rm 4.1k - monthly rm150

4. Background
a. Occupation - Banking Shared Service Center
b. age - 29
c. currently staying at - rent room at bkt jalil

5. Property - arena green apartment. Market price i see from 320-370k

6. Current available funds estimated rm34k for depo + all fees
*
How much and whats the chance i get the housing loan? Does a guarantor help much(e.g. father as hawker with asset a house in ipoh) help?
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