Jun 23 2016, 01:58 AM
QUOTE(MyHeArtb3Ating @ Jun 20 2016, 07:53 PM)
Anyone can advise, with current tight loan from bank can I secure my second property ?
Below is my commitment :
Rm 680 car loan - still have another 5 years
Rm 1119 house loan - still have another 37 years
Rm 350 ptptn loan
Below is my income :
Rm 5900 salary after deduct epf, pcb and soso
Rm 780 from rental, I lease out small room and medium , I stay master room.
And I plan to buy second property around rm 700k. I'm 31 years old.
700k prop price or loan amount would be 700k?Below is my commitment :
Rm 680 car loan - still have another 5 years
Rm 1119 house loan - still have another 37 years
Rm 350 ptptn loan
Below is my income :
Rm 5900 salary after deduct epf, pcb and soso
Rm 780 from rental, I lease out small room and medium , I stay master room.
And I plan to buy second property around rm 700k. I'm 31 years old.
if plan to take loan up to 700k, your dsr already 83%.
( instalment around 3,270 for 35years. )
the answer is NO. try to maintain DSR at 70% - 75% below.
besides rental, any saving / cash reserve in hand?
any credit card?
with your nett salary + rental income. maximum loan u can take up to 520k +/- only.
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