Mortgage Loan Package Inquiries, (Strictly NO Promotion Allowed)
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 Jul 17 2016, 10:46 PM
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#1
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Senior Member
596 posts Joined: May 2010 From: KL   
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I'm currently earning gross RM4500/month with no other commitments or debt. Car finish paying and no cc outstanding. Just wonder can i buy a property with 100% loan from banks? its my first house.
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Jul 17 2016, 11:23 PM
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#2
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Senior Member
596 posts Joined: May 2010 From: KL
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QUOTE(lifebalance @ Jul 17 2016, 10:49 PM) As long as u fulfill this list of requirement then u can Thanks for reply. Will there be any difference interms of interest rate?Eligibility Individuals aged 18 years to 40 years only Malaysian citizen only First time home buyer only Single borrower/customer gross income not exceeding RM5,000/month Joint obligors gross household income not exceeding RM10,000/month (based on gross maximum income of RM5,000/month per obligor) Payment amount must not be more than 1/3 of monthly income Business owners/directors/partners/sole-proprietorship are not allowed Property value from RM100,000 - RM500,000  |
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Jul 17 2016, 11:25 PM
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#3
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Senior Member
596 posts Joined: May 2010 From: KL
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QUOTE(lifebalance @ Jul 17 2016, 11:25 PM) Not really, it will depend on ur risk profile, but if everything's is good then rate will be as per normal loan. Thanks! |
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Jul 19 2016, 11:37 PM
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#4
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Senior Member
596 posts Joined: May 2010 From: KL
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Hi, im a first time home buyer and understand that i have 50% discount for spa. Can i know how much I have to pay for all the fees for a 350k property?90% loan 315k
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Jul 19 2016, 11:57 PM
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#5
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Senior Member
596 posts Joined: May 2010 From: KL
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QUOTE(lifebalance @ Jul 19 2016, 11:50 PM) Hi Thanks for the reply. Im buying a sub sale property, however, from calculation above meaning we need to pay twice the legal fees?S&P Stamp Duty 6400 * 50% = 3200 Legal Fee = 3040 Disbursement Fee = 2000 Loan Agreement Stamp duty 1850 * 50% = 925 Legal Fee 3040 Disbursement Fee = 2000 Total RM14,205 This is applicable to subsales, otherwise, you won't have to pay for MOT so fast. Let me know if you need a good lawyer to handle ur case, it's important so that ur transaction can complete within 3 + 1 period. |
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Jul 20 2016, 10:40 PM
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#6
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Senior Member
596 posts Joined: May 2010 From: KL
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How many maximum years housing loan can be? 40 years?
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Feb 19 2017, 11:33 PM
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#7
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Senior Member
596 posts Joined: May 2010 From: KL
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Hi all, i have booked a unit under develop which schedule to complete next year. There are some good attractive rebate thrown by developer. I will need help on the loan process. Loan amount about 520k, my current salary after EPF and Socso, tax around RM4025. Chances of loan approval? Have a few credit cards and no other commitment.
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Mar 14 2017, 03:13 PM
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#8
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Senior Member
596 posts Joined: May 2010 From: KL
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Is it common for bank to ask for guarantor for age 25 below?
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Mar 14 2017, 03:21 PM
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#9
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Senior Member
596 posts Joined: May 2010 From: KL
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QUOTE(lifebalance @ Mar 14 2017, 03:15 PM) Yes, this is particularly if your job history is not good or stable, bad repayment history, big loan amount or too young. Hi LifeBalance, if im 25 this year and been working in the same company for 2.5 years, does it consider good or bad? |
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Mar 14 2017, 03:23 PM
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#10
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Senior Member
596 posts Joined: May 2010 From: KL
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QUOTE(lifebalance @ Mar 14 2017, 03:22 PM) Considered okay, will need to look at ur overall profile and document to further confirm Thankss |
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Mar 16 2021, 10:54 PM
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#11
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Senior Member
596 posts Joined: May 2010 From: KL
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Gotten 2.9% for a 700k loan vinceleo liked this post
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Mar 17 2021, 03:09 PM
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#12
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Senior Member
596 posts Joined: May 2010 From: KL
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QUOTE(ckh6003 @ Mar 17 2021, 01:24 PM) Hi， can I know which bank ? AffinPB Bank ? ckh6003 liked this post
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Mar 21 2021, 02:55 AM
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#13
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Senior Member
596 posts Joined: May 2010 From: KL
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QUOTE(Micky78 @ Mar 20 2021, 08:12 PM) attached with MRTA or MLTA? Yes, minimum only, 780k loan 20k crta |
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