Hi,
I am wondering if I am still eligible to obtain housing loan if I am already committed in one housing loan. (Current housing loan is under my name but the house is under my mom's name)
My salary is around RM4k with current commitment of :
1) Car loan - RM760
2) Current House loan - RM 360

With my current condition, may I know if I am still entitle for a second housing loan and if yes, around how much of loan am I entitled to?

Thanks.

You should be able to loan up to maximum 70% of your income. I assume you have no credit card bills and any other debts, you should be able to get a loan with a monthly instalment not more than RM1680

ts, your combined repayment shall max will be 70% from nett take home pay. rm4k salary, nett is roughly 3.5k *.7= max repayment around 2450. your committment is 1120, so you other loan repayment max around 1330, that is about 250k,30yrs loan@4.5%. this is subject to your record payment as well, amount of cc you have, etc. best is print out your ccris and let the banker evaluate.