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 MyDeposit - Thoughts?, Home Deposit scheme

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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.
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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
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.
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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!
ssilvia
post Apr 9 2016, 10:56 AM

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QUOTE(Jesscey @ Apr 8 2016, 09:35 PM)
Hi all,
I understand some of you might not understand the document required by MyDeposit. I can assist you guy like the documents they required.

- Salinan surat akuan sumpah bekerja sendiri. (if you are self-employed, you need write in a letter regading you are warganegara malaysia, the salary you earn per month and etc).

- Salinan surat pengesahan majikan. ( you can ask your HR department to issue a simple letter addressed to JPN that you are the employee of that company, how long you work at that company with using your company letterhead)
Salinan surat pencen( Jika berkenaan). (This one normally apply to the government servant who choose pencen scheme)

Salinan surat tawaran /pengesahan daripada pemaju/penjual. (This mean the booking form issued from developer or agency)
salinan Sistem Maklumat Rujukan Kredit Pusat(CCRIS) pemohon dan pasangan. (You may go to Bank Negara to print out the CCRIS report)

MyDeposit application is same as MyHome scheme, only the criteria of the housing selling price and the applicant's salary required are different. And, MyHome do not require the CCRIS report from applicant.

The process flow is fill in online application form and submit - if you fulfill the requirement, they will send you the offer letter - Sign the offer letter and do commission oath, then return to JPN - After gather all the documents and submit to JPN - After the officer check and no query, the RM30k will be credited.

If you buy the house from developer, the developer will compile all the documents and submit:
- The developer's HDA bank account statement
- The HDA account letter issued by the bank
- The stamped copy of bank offer letter. If your are LPPSA borrower, need the copy offer letter together with the Lampiran E signed)
- The copy of MyDeposit offer letter
- The stamped copy of SPA with chop the word of "MyDeposit" in every page of the SPA copy. Please make sure the SPA copy is completed, no missing page.
- Invoice prepared by the developer.

Then, submit all the compiled documents to JPN. If the documents are ok, no query, then JPN will credited the 30K to developer HDA account.

If you are obtained the full loan (LPPSA), you can get the 30k at the end from developer. If obtained 90% of the commercial loan, the purchaser no need pay downpayment. The developer will issue letter of differential sum settled to loan solicitor. The loan solicitor will do their part.
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Hi, would like to ask about what if i have to sign SNP before i get the approval for MyDeposit? Bacause once i sign SNP, i have to pay the 10% down payment, if i pay the 10% down payment first, is it possible to get the MyDeposit 10% and credit to my developer? Thank you ya!
ssilvia
post Apr 9 2016, 11:38 AM

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Anyone know what is Kod Pemaju and No. lesen refer to?

 

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