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lifebalance
post Jun 9 2017, 05:35 PM

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QUOTE(mrsbean @ Jun 8 2017, 01:08 AM)
Hi all the sifus, can i apply my housing loan after i pay the earnest deposit and before i sign the SNP? Or do i need to pay the full 10% before i apply for the loan?

Thank all sifus in advance. Cheers!
*
You're suppose to pay the 2% or 3% booking fee first, then look to apply for the loan within 14 - 21 days.

Before you plan to do so, I would advise you to check on your loan eligibility. Otherwise you would have applied for so many banks and end up not getting your house if your loan is rejected.

You may provide me the info below so I can check it out for you.

Age
Gross pay
Nett pay
Rental Income
Bonus 2014 2015 2016

Commitment
House
Car
Credit card outstanding
Personal Loan
PTPTN
lifebalance
post Aug 9 2017, 09:30 PM

Licensed Financial Planner & Financial Adviser's Rep.
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10,162 posts

Joined: Nov 2014
QUOTE(tbs_0506 @ Aug 1 2017, 12:19 PM)
Just want to check, what are the required documents that we need to submit to banks for loan application after paying booking deposit?
*
You need to prepare the following
IC
3 months payslip and bank statement
Epf statement 2016 and 2017
Booking form
Snp and title of the property
Ea form 2015 and 2016
lifebalance
post Sep 26 2017, 08:44 AM

Licensed Financial Planner & Financial Adviser's Rep.
********
All Stars
10,162 posts

Joined: Nov 2014
QUOTE(sonypshomer @ Sep 26 2017, 08:23 AM)
3% booking fee of house price? or 3% from 10% deposit?
3% Pay to agent?
Then 7% balance pay to seller?
*
3% of the house price

the 3% is issued to the real estate company name.

7% balance is issued to the seller's name upon signing of SNP
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