Hi guys,

May I know will bank reject house loan application or offer high interest rate if they know I am having MBB EzCash?
I am planning to sign up my first house that is still work-in progress.

Thanks for giving your advise.

Can I know does the EZCash will be counted into the DSR calculation of the bank?

Hi guys,

I have 4 credit cards, planning to cut 1 cc once I got the reward credited to my cc account. So, I have 3 cc (active) and 1 (will not using it starting from next month). All cc are pay in full before the statement due date.

My questions are:
1. Will bank reject my home loan application if they see I have 4 cc in my ccris record?

2. I have a balance transfer (BT) plan and a EzCash. I noticed only the balance transfer has a record in my ccris.
May I know does BT and EzCash are included as my commitment section be in the DSR calculation?
If yes, the commitment is taking the monthly amount or the total unpaid balance divide by my monthly net salary?

3. How long does a cancel cc will disappear in my ccris?

Thank you.

early settlement of BT will have penalty.

Why not consider other bank offer in this case?

Hi,

I signed PBB home loan early this year. It is called Home Plan 10. The bank manager and mortgage agent said extra payment to the home loan account will auto deduct the principle without going to the bank branch or call to request to deduct principle from extra payment.

I am still serving progressive interest now so unable to test it.

When I look at comments from property agent, the comments mentioned that they need to go to PBB branch to inform the extra payment to deduct principal, otherwise it is an advance payment that will not deduct principle.

May I know who has the same home loan with me, does the extra payment will auto deduct principle?

This post has been edited by rocketm: Oct 24 2025, 11:52 PM

I am just starting to pay progressive interest that will auto deduct from my PBB saving account now. I only can take key during year 2028.

Do update me ya. Thank you.