Any banker can do a loan eligibility check?

On paper, I can calculate but the bank willing to give is different story. I want to buy an auction property so I wouldn't want to risk 10% deposit when no bank will want to give me loan later.

Which bank is giving the best rate for an islamic financing of a RM200k+ condo? Better with no lock-in period.

Already paid 10% but looking around for banks with best rates.

My loan application had just been approved, but only 70% margin (200k house).

My DSR at the moment is only 6%, never late pay, credit card always on time.

Wtf is this Public Bank. The reason given was my employment is just 9 months, (previously I was self employed for 2 years), and I don't have much saving. Of course not much as I just paid 10% of the full amount (auction unit).

How much saving do you expect from a 24 years old guy? 100k? Asking me to make a joint loan some more.

Please refer me if you have any banker who can approve my 200k loan for 90% margin. DSR and CCRIS guarantee no issue.

Hi,

I bought a property few years ago for 230k. Recent transactions of the project is around 350-380k.

This year is harder to sell it off (less transaction). Thus I am thinking of refinancing it for 350k and buy another property.

My question is :

1. Which bank offers the best package & rate for refinancing at the moment?

2. RPGT wise, by right I can reduce the RPGT upon selling later since I already did the refinance right?

Hi,

Anyone can recommend good refinance package? By good, i mean interest, cost and no lock in period.

Thinking of refinancing my house for 330k.

Thanks all.

Low cost is fine w me. Checked w muamalat, the agent said cost is around 10-15k. Damn high eh.

Im financing to use money for my business expansion.

Hi,

Can someone connect me with a good maybank banker? Need to refinance my property.

Area Klang Valley

Hi guys,

This could be a noob question which i need help with.

Currently im in the midst of processing a refinancing for my house. My loan was approved and valued at 350k, signed the Loan Agreement.

Apparently, the valuer gave much low valuation to my house and now my loan is going to be reduced to 300k only, while another bank actually approved me at 400k before i decided to take on this one.

My question is, is that something doable by the bank? Can they suddenly lower down the loan amount despite agreement signed.

Say if i were to cancel it, will i be penalized for it since the agreed value has changed?

Hi there. I am looking for a Public Bank Mortgage Contact to do refinance for my house. Anyone has good contact in Klang Valley?

This post has been edited by thenazek: Jun 2 2020, 07:46 AM

Is Ambank doing property refinancing now? Last time I checked, they didnt.

But today I called for Redemption Letter, they say they are offering it.

Hi,

Any banker has experience approving loan for a master title property (over 10 years old)? I want to refinance.

Most banks dont accept. But i have a neighbour here manage to ger a loan approved with CIMB. Only problem is that the banker is not responsive. MIA.

Since i used lowyat alot for my research, i guess its only fair for me to contribute back and help others.

Just sharing my rate i got approved recently.

Loan amount 320k
Rate : 3.05%
Bank : HLB
No MRTA