Spouse dr ah. Freshie government so high pay

Hello. As stated in the title, this is mainly a mortgage discussion thread. It is being given the privillege to be pinned in the PROPERTY TALK subforum because it is not riddled with blatant ads by the mortgage broker/agents/bankers.

If you feel the need to advertise your services, you could post them in this thread here: Mortgage Loan Package Inquiries in the CLASSIFIEDS-PROPERTIES

I promised STAFF-MOD Lucifah that I will help report, maintain, and clean this thread from purely advertisement posts so that it doesn't get transferred to the CLASSIFIEDS-PROPERTIES subforum again, so I would appreciate it if this thread is taken care of as much as possible. Maybe you could join in the discussion and contribute since you are a mortgage specialist. 
Hello,

You can combine the maximum loan amount for each of you to get the maximum loan amount that both of you can get if you combine the loan. However, I recommend that you purchase a house that is cheaper than the calculated maximum loan amount; this is because approval is always subject to the credit controller. There is a chance that you wont get the maximum loan amount for various reasons.

For a number of banks, your wife can only get 90% Margin of Financing (MOF) if she joins you as the 2nd applicant since she does not have any credit record. Otherwise, the MOF might be reduced to 80%. However, if she insist on taking the loan alone, we can try that. I've had Maybank and Ambank approve 90% loans for those who don't have any CCRIS records but they are degree holders (which helps with the application).
 

The disbursement is progressively, stage by stage according to schedule of payment.
full disbursement will take around 2-4 Years.
Depend on the speed.

Oh, completed properties.

The standard time for full disbursement on freehold property with strata title
Completion period is 3 months from the date of the agreement and an automatic extension of 1 month.
-around 3-4 months

If your property is freehold with master title
Completion period is 3 months from the date of developer's confirmation or from the date of the S&P, whichever is later.
-Approximately 4months
(Longer as consent is needed from developer)