i bought the house around this price as well.
Sales & Purchase Agreement legals fees & disbursement roughly need about RM6k
Loan Agreement legals fees & disbursement roughly need about RM8k

but my case i need pay the Memorandum of Transfer which around RM14k

Wah got experts here to answer these question?

I would also like to ask... I'm looking to buy a subsales around 1.8~1.9M.... 90% loan...

How much would the Stamping/SnP/Legal roughly come up to? I'm thinking around the range of 80~100k?

Also what is this stamping 50% off for first house kinda thing?

just bought house for 450k finance by cimb islamic 413k including lawyer for bank side.

putting aside finance by bank, total documentation fees i need to forked out is around 17k. Already got consent from land office, now waiting for redemption statement for previous owner. how long to wait for exchanging the name im not sure. now stil waiting lol.

ok back to my point, if 450k will cost around 17k(including stamp duties, my stamp duties got discount 50% due to my 1st house, if not it will cost me 9k for 450k house price), how u all manage to get only 15k for 650k house?

Dear zhou.xingxing,

1. PTPTN commitment if default more than 36 months or more, it will only shown in CCRIS. Hence, PTPTN is out of the picture, but make sure you pay on time to avoid any trouble in the future. ->PTPTN loan about 32k. been paying within 7 working days for the past 12 months.

2. Gym fees if you pay with credit card IPP, it will show in the ccris as outstanding debt. -> paid with cash most of the times.

3. Do you have any other debt as below?



4. Do you have any other supporting income? as below, so that I can better advise you with your loan eligibility.

Dear Zhouxingxing,

1. Insurance doesn't consider as debt for bank calculation.

2. For your income, your max property PRICE you can afford to finance is RM520,000.

3. But let me clarify it well for you, since your CCRIS is clean. Without any hirepurchase loan, personal loan, car loan, credit card and etc. Hence, bank unable analyse you as a person. Bank usually will assess applicant with CCRIS (one of the way). When bank unable identify your payment pattern, they will be reluctant to lend you the money, because they won't know are you a good payee or bad payee.

4. All hopes aren't loss here, if you have cash 10-20k in your bank account or guarantor, you will still have chances to get 90% margin of finance. Worst come worst, bank will slash margin and you get 80% margin of finance or loan rejection.

hi all
could you advise the maximum loan for this case?
Age 26
Gross pay 4200
Nett pay 3700
Bonus (relevant?) 2017 2.5 months.

Commitment
House -
Car 950
Credit Card outstanding -
Personal Loan -
PTPTN - 210

You could do the loan eligibility test here. You would need to put down your details:

Age: 26
Gross pay: 4200
Bonus in 2017 (2.5months), 2016(2months), and 2015 (2 months)

Monthly commitments
Property: n/a
Car:950
Personal loan: n/a
ASB loan: n/a
PTPTN: 210
Credit Card outstanding: n/a

They are both the same. You are still asking for a mortgage from the bank. Underconstruction and subsale the calculations are the same, for refinancing, a little different

Hi

you may provide me the following

Age
Gross pay
Nett pay
ASB
Rental Income
Bonus 2014 2015 2016

Commitment
House
Car
Credit Card outstanding
PTPTN
Yes it's similar for subsales and underconstruction
This will be part finance to finance the land and also to construct the house.

The interest rate is normally slightly higher than a normal interest rate.

Hey

Depending on title of land. You may find the following loan to value for respective type of lands.

Residential : 85%
Commercial/Industrial : 60%
Agricultural : 40%

May I know how many housing loan you have on hand? I have approved 90% land + con  (similar event as you are experiencing right now).

You will need to provide developer/contractor profile and authorized blue print to the bank and bank will disburse the fund according to the completion stage.

case is marginal, will suggest joint borrower or substantial savings. 4.5%
Can be done as part finance + construction loan on the land. 80% loan

Agricultural Land, there is a limit of the size of the house you can build on the land. 20% of the land size of I am correct.

You can’t get construction loan if you wish to build a house on agricultural land.

However, you can refinance the agri land and uses the fund to build the house.