if lets say i got the offer letter, i need to prepare 30K down payment.
but i only have 10K and the rest i planned to withdraw from EPF.
not sure if can apply Skim rumah pertama because my monthly income slightly over the limit of the criteria.
anyone have similar situation?

so you pay RM15K from your own stash and not from EPF?

This post has been edited by wanw84: Feb 3 2016, 12:37 AM

any of you guys remember what are the panel banks?

I only remember RHB, Bank Islam and Bank Muamalat.

This post has been edited by wanw84: Feb 3 2016, 05:02 PM

They only email me the offer letter so I dont know the list of panels

Is it a bad thing if i submit loan application to many panel banks at once?

hi.. need your guys opinion.

i applied 4 banks:

MBSB (100% loan - approved) - approx 5.45% - ceiling rate (11%)
RHB (90% loan - approved) - 4.5% - ceiling rate (10.5%)
Bank Islam (100% loan - no reply yet)
Bank Muamalat (100% loan - no reply yet)

I was leaning to MBSB, since i can get back my 10K deposit and save it just in case of bad economy.
But in the same time, i know that MBSB rate is quite high.
MBSB papers will be ready this week. Should i just sign it or wait for bank islam or bank muamalat?

This post has been edited by wanw84: Feb 22 2016, 01:54 PM

My loan includes MRTA @4.5%.
The MBSB with 105% loan (include mrta and other fees) @5.4%. Which is quite high. Not sure which to pick or should i wait.

Guys, when a bank gave the loan offer, how long the offer will last? In my case, i got offer from mbsb last week but the rate is quite high (5.45% for 100% loan). I want to wait for 2 other banks but the person from mbsb insist me to hurry sign the loan offer.I'm scared that i will lose the offer with mbsb while i still haven't secure other loan. What should i do?


In any case, if anyone still trouble getting a loan, can try this guy:

Lim Wui Keat
RHB KLCC
012-5052540

This guy works fast when I apply for 90% loan, less than a week.
My stupid mistake was not apply 100% loan at that time. or else, i would already go with RHB.
I reapply 100% with him, but not sure he can make it in time before i need to sign with mbsb next tuesday.

This post has been edited by wanw84: Feb 25 2016, 09:27 PM

yes.. they also provide 100% loan, but i think only for your first home

the rate i got for 90% is 4.5%

This post has been edited by wanw84: Feb 25 2016, 10:26 PM

I think it depends on the bank. In my case with MBSB, i have to pay 800++ fixed, until the house complete.

I remember reading somewhere that for 1st house, i can get discount on lawyer fee for the loan agreement. How to apply for it? Just tell the lawyer?
Will i get discount for my S&P, and loan agreement cost?

This post has been edited by wanw84: Mar 10 2016, 08:12 PM