Hi there,

shouldn't be a problem, your max loan is about 820k

But I don't suggest to go all the way to 820k.

Safe range is around 700k.

Let me know if you need help on loan processing, my services are free and fast

Hi there.

Since your first loan is fully paid, you are entitled to 90% loan for this 3rd property.

I need to discuss further with you on the numbers and figures to confirm.

You can entitle up to 25 years

Current offer is 4.99% and zero moving cost if loan above 500k.

Stamp Duty 2900
Legal Fees about 4500
Valuation: 1200

About RM8600*

Dear rivalry.

1. I include your mortgage at max MV as debt, your income and debt still qualify you for max RM968,000 loan eligibility.

2. Purchasing RM650,000 property shouldn't be a problem, only thing is I need to look at your ccris, ctos and income documentation to confirm.

3. Since you have 2 existing mortgage, your max margin of finance for 3rd mortgage is max 70%.

4. max loan tenure is 70 years old, hence you are now 45 years old, you are still entitle 25 years of max loan tenure.

5. For AIA, their fixed rate are peg at 4.99%, you are not affected by the variable changes of the base rate and interest rate. YOu are hedge when there's downturn in property market, however, till now, few banks conventional rate haven't exceed the fixed rate that people have partake previously.

However, when the rate is low or average rate, you will still have to pay for the higher interest rate, just take note.

6. There's 2 banks offering zmc, AIA and HSBC.

7. Inorder to save more from entry cost, you can have Law**r to quote your entry cost higher, hence the financing can reach max amount, any outstanding balance can be cash out. 

8. Inorder for you to get high 90% margin of finance, consider 3rd party financing.