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> MyDeposit - Thoughts?, Home Deposit scheme

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Time Walker
post Apr 7 2016, 10:31 PM

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i thought gov so good give tim, another terms for loan isnt?
interferens
post Apr 7 2016, 10:42 PM

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QUOTE(Time Walker @ Apr 7 2016, 10:31 PM)
i thought gov so good give tim, another terms for loan isnt?
*
We all know gov tactics

More info http://sprn.kpkt.gov.my/sprn/content/mydeposit-write.html
Eddy924
post Apr 7 2016, 10:57 PM

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"Pemohon yang layak akan diberikan kelulusan bersyarat dengan tempoh 30 hari untuk menandatangani Perjanjian Jual Beli rumah yang hendak dibeli."

Does it means the application to MyDeposit shall be made after obtained a loan from bank, which later comes the SnP? So, for sub-sales house, buyer still have to pay 10% d/p first?
interferens
post Apr 8 2016, 01:31 AM

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QUOTE(Eddy924 @ Apr 7 2016, 10:57 PM)
"Pemohon yang layak akan diberikan kelulusan bersyarat dengan tempoh 30 hari untuk menandatangani Perjanjian Jual Beli rumah yang hendak dibeli."

Does it means the application to MyDeposit shall be made after obtained a loan from bank, which later comes the SnP? So, for sub-sales house, buyer still have to pay 10% d/p first?
*
maybe just 1% booking fees and show to vendor the guarantee letter from gov upon signing the SnP..
mafa2801
post Apr 8 2016, 09:54 AM

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GOVT is helping bankers to make money..haha
JianNinety
post Apr 8 2016, 01:59 PM

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Any new news after 24 hours?
jason0124
post Apr 8 2016, 03:36 PM

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For the supporting document, any idea to get this Salinan surat tawaran /pengesahan daripada pemaju/penjual ?
We need to apply the bank loan before we can apply mydeposit?
What if the bank loan being approved and mydeposit being rejected? =.=
Kilohertz
post Apr 8 2016, 03:38 PM

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QUOTE(jason0124 @ Apr 8 2016, 03:36 PM)
For the supporting document, any idea to get this Salinan surat tawaran /pengesahan daripada pemaju/penjual ?
We need to apply the bank loan before we can apply mydeposit?
What if the bank loan being approved and mydeposit being rejected? =.=
*
I have the same thought as well, on what criteria they approve and reject? since they have a funds capped at a limit, they can always tell you it's full..
JianNinety
post Apr 8 2016, 03:56 PM

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Now already got 2500 applications.

http://www.nst.com.my/news/2016/04/137928/...received-so-far
JianNinety
post Apr 8 2016, 03:56 PM

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Now already got 2500 applications.

http://www.nst.com.my/news/2016/04/137928/...received-so-far
TSragzs
post Apr 8 2016, 04:23 PM

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QUOTE(JianNinety @ Apr 8 2016, 03:56 PM)
haha free money who don't want. I bet if they were to queue up.. would prob be the longest line ever in malaysia
N1ck
post Apr 8 2016, 04:28 PM

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I have just submitted my application.
What worries me is the 10 years moratorium.

What happen if suddenly I no money and need to get rid of the property? Or maybe company transfer me to another state?
jinsailoo
post Apr 8 2016, 04:49 PM

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QUOTE(interferens @ Apr 7 2016, 10:00 PM)
If you read clearly at KPKT website,  it written Skim PEMBIAYAAN Deposit Rumah..

Pembiayaan is always use to refer to loans

Free money gov usually use word subsidi, bantuan, geran
So this maybe soft loan like PTPTN.. Need to pay back
*
Ya, I also note that this is some thing like loan for 1st home buyer,

don't be so excited that gov give you FOC 30k pocket money
forever1979
post Apr 8 2016, 04:56 PM

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mean within such short period, 2500 ppl bought properties ?
jason0124
post Apr 8 2016, 05:03 PM

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QUOTE(N1ck @ Apr 8 2016, 05:28 PM)
I have just submitted my application.
What worries me is the 10 years moratorium.

What happen if suddenly I no money and need to get rid of the property? Or maybe company transfer me to another state?
*
Hi, mind to share how you obtain the surat tawaran?
Have u apply the bank loan before this?
JianNinety
post Apr 8 2016, 05:27 PM

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QUOTE(forever1979 @ Apr 8 2016, 04:56 PM)
mean within such short period, 2500 ppl bought properties ?
*
They apply 1st only, not yet approved. Approval is another thing.
N1ck
post Apr 8 2016, 05:42 PM

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QUOTE(jason0124 @ Apr 8 2016, 05:03 PM)
Hi, mind to share how you obtain the surat tawaran?
Have u apply the bank loan before this?
*
Obtain from salesman. "Letter of offer."
Actually i already got all the documents and have got bank loan approved. However was procrastinating signing SPA due to business trips.

Anyway i already sent. Not sure what Is ent correct anot though and not surr whether I can accept the 10 years no sell rule.
ssilvia
post Apr 8 2016, 06:24 PM

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QUOTE(N1ck @ Apr 8 2016, 05:42 PM)
Obtain from salesman. "Letter of offer."
Actually i already got all the documents and have got bank loan approved.  However was procrastinating signing SPA due to business trips.

Anyway i already sent. Not sure what Is ent correct anot though and not surr whether I can accept the 10 years no sell rule.
*
Hi, can i know how you get this one>> salinan Sistem Maklumat Rujukan Kredit Pusat(CCRIS) pemohon dan pasangan.?

may i know also is this confirmation letter>>> Salinan surat pengesahan majikan?

i not really sure. sad.gif
N1ck
post Apr 8 2016, 06:32 PM

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QUOTE(ssilvia @ Apr 8 2016, 06:24 PM)
Hi, can i know how you get this one>> salinan Sistem Maklumat Rujukan Kredit Pusat(CCRIS) pemohon dan pasangan.?

may i know also is this confirmation letter>>> Salinan surat pengesahan majikan?

i not really sure. sad.gif
*
Refer to the guide here. http://creditbureau.bnm.gov.my/reportobtain.html

For surat pengesahan majikan my company has a system which automatically prints out the letter(however mine did not state my relationship status so not really sure whether valid). Normally your HR should be able to make one for you

Tell them that you need you name, salary, duration of work, relationship status, position. Everything that is required according to the guidelines.

ssilvia
post Apr 8 2016, 06:57 PM

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QUOTE(N1ck @ Apr 8 2016, 06:32 PM)
Refer to the guide here. http://creditbureau.bnm.gov.my/reportobtain.html

For surat pengesahan majikan my company has a system which automatically prints out the letter(however mine did not state my relationship status so not really sure whether valid).  Normally your HR should be able to make one for you

Tell them that you need you name, salary, duration of work, relationship status, position. Everything that is required according to the guidelines.
*
for the CCRIS, is it i have to print it out at Bank Negara?

May i know where u see the guideline for the surat pengesahan majikan?

Thank you ya!

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