Good news for Malaysian who want to buy their first property !
BNM Housing Loan Assisstance, Income req. revised to RM4360 monthly !!
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 Aug 24 2019, 03:15 PM, updated 7y ago
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#1
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Senior Member
1,309 posts Joined: Sep 2018  
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Good news for Malaysian who want to buy their first property ! |
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Aug 24 2019, 07:58 PM
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#2
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Senior Member
1,309 posts Joined: Sep 2018
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QUOTE(Pain4UrsinZ @ Aug 24 2019, 07:25 PM) Damn 3.5% save about 20-30% installment per month.. ho liao.. |
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Aug 24 2019, 08:04 PM
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#3
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Senior Member
1,309 posts Joined: Sep 2018
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QUOTE(ManutdGiggs @ Aug 24 2019, 08:02 PM) Hoot another tower in solasta 💪 Haha.. great idea |
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Aug 24 2019, 09:49 PM
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#4
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1,309 posts Joined: Sep 2018
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QUOTE(dave1987 @ Aug 24 2019, 08:39 PM)   If u know how to calculate there is almost no advantage If loan 40 years, monthly repayment RM1162.17, (let said bank rate fix.. 3.5 percent for 40 years.. Which is unsure yet, If loan 35 years, monthly repayment RM1373.68, 4.25 % currently cimb let said If u minus this both..... Net difference RM 211.00 Any this all exclude maintaince cost, cukai taksiran (if they rent perhaps they no need to prepare extra costing for this both) lower risk to bankruptcy Exclude renovation, electricity bill, water bill n other hidden cost RM 211 / RM 6.00 per meals can save 35 meals....The whole advantage is 11 days meals (3 meals) for B40 grp Perhaps... Anyway... Rm 200 ++👀 in KL living... Emmm |
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Aug 25 2019, 09:55 AM
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#5
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1,309 posts Joined: Sep 2018
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QUOTE(trust4you @ Aug 24 2019, 11:46 PM) good news Yeah broo.. really good news.. |
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Aug 25 2019, 10:00 AM
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#6
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Senior Member
1,309 posts Joined: Sep 2018
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QUOTE(dave1987 @ Aug 25 2019, 09:58 AM) Oni extra rm 200 pocket money, already can help to sell off ur condo 🤣 5 years only |
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Aug 26 2019, 07:21 PM
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#7
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1,309 posts Joined: Sep 2018
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QUOTE(boneyM @ Aug 26 2019, 04:40 PM) Can apply as single borrower although I am married? can boss... not married also can try.. Zuraida increase this requirement to stimulates fresg grad buy house.. you can use this fund to buy rumawip.. max RM300K.. grab it.. |
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Sep 10 2019, 07:34 AM
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#8
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1,309 posts Joined: Sep 2018
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QUOTE(heavensea @ Sep 9 2019, 09:33 PM) It's only eligible for the 1st property buyer? Yup.. |
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Sep 10 2019, 04:44 PM
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#9
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Senior Member
1,309 posts Joined: Sep 2018
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QUOTE(dave1987 @ Sep 10 2019, 04:16 PM) Depend on income I guess Income below RM4360 can apply 3.5% financing rate.. income below RM10K can apply SRP(Cagamas) scheme..all only for first home buyer.. |
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Sep 10 2019, 06:14 PM
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#10
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1,309 posts Joined: Sep 2018
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QUOTE(Mr. HH @ Sep 10 2019, 05:23 PM) SRP Cagamas cannot be applied for RUMAWIP right? Can.. 100% loan for rumawip all through cagamas.. but now can apply BNM affordable home fund also to get 3.5%.. |
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Sep 10 2019, 07:17 PM
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#11
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1,309 posts Joined: Sep 2018
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QUOTE(Mr. HH @ Sep 10 2019, 07:02 PM) But still, we have to pay the deposit first right? Then only we refund the deposit using 100% loan. in case that I handle so far... no need to pay.. |
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Sep 11 2019, 01:08 PM
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#12
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1,309 posts Joined: Sep 2018
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From Bella Leana FB..
Household Income - BNM Funded Affordable Skim Soalan:- Bella, suami dah ada rumah tapi isteri belum ada.. kalau isteri nak beli rumah guna BNM affordable skim tu (Rate 3.5% 100% Margin) masih layak ke? Jawapan:- Isteri masih layak sebab tiada rumah lagi. Soalan:- Loan macam mana? 1 nama ke 2 nama? Jawapan:- 1 nama sahaja sebab suami dah tak layak.. Soalan:- Kalai gaji isteri tak cukup? Sebab komitmen dah tinggi? Jawapan:- Tak boleh lah apply skim ni.. DSR dan NDI still applicable.. Soalan:- Gaji Isteri RM2,000 Gaji Suami RM3,000 Boleh tak nak apply skim ni atas nama isteri sahaja? Jawapan:- Tak boleh. Sebab household income untuk skim BNM ni RM4,360 sahaja Soalan:- Tapi yang nak apply loan Isteri sahaja.. Jawapan:- Walaupun sorang je yang nak apply loan, tapi slip gaji pasangan yang terkini juga perlu di hantar sebab syarat nya Household Income.. Ooooooooo... Gaiss! Walaupun nak apply tu nama seorang sahaja, tetapi dari segi income tetap kena submit both payslip ya.. sebab household income.. Soalan:- Boleh tak nak tipu cakap single walaupun sebenarnya dah kawen?? Jawapan:- 😱😱😱 Love, Bella #BNMFundedAffordableSkim #BellaDanFinancing |
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Sep 11 2019, 01:09 PM
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#13
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1,309 posts Joined: Sep 2018
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QUOTE(Mr. HH @ Sep 10 2019, 08:25 PM) Can i have your whatapps no? My rumawip sold out already.. Kiara Kasih.. |
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Sep 21 2019, 11:49 PM
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#14
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1,309 posts Joined: Sep 2018
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QUOTE(AskarPerang @ Sep 21 2019, 11:35 PM) Maximum effective interest rate 3.50%. Huhu.. yeah.. rugi if not grab it.. the best deal of century..Under this initiative, someone managed to get 2.90% from CIMB for a rumah selangorku project (100k price apartment). 40 years tenure (480 months). Here's the offer letter:  Best ever deal. Unbeatable. Grab it if you are first home owner. |
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Sep 22 2019, 10:39 AM
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#15
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1,309 posts Joined: Sep 2018
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QUOTE(Thasmita @ Sep 22 2019, 12:16 AM) Must it be a new project or can applicants apply for the loan for sub sale too new projet onlyyThanks |
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Sep 22 2019, 12:41 PM
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#16
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1,309 posts Joined: Sep 2018
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QUOTE(Thasmita @ Sep 22 2019, 12:30 PM) Thanks mate Can refer to this website for more details : housingwatch.my/04_financing.html |
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Sep 22 2019, 02:09 PM
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#17
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1,309 posts Joined: Sep 2018
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QUOTE(Thasmita @ Sep 22 2019, 12:52 PM) Thank you thank you so much Government of the day is more on developer side.. not much we can do..A friend of mine wants to buy a house. Sub sale. Leasehold flat in PJS 7. Sale price is rm 170k. What options does he have. Monthly salary is 3k. Thanks |
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Sep 23 2019, 05:13 PM
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#18
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Senior Member
1,309 posts Joined: Sep 2018
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QUOTE(jason5443 @ Sep 23 2019, 04:28 PM) Fixed confirmed ah ? |
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Sep 26 2019, 05:24 PM
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#19
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Senior Member
1,309 posts Joined: Sep 2018
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QUOTE(-CoupeFanatic- @ Sep 26 2019, 04:54 PM) confirmed with my banker that this is fixed, i got 2.9% from CIMB bank. Now everyone got 2.9% from CIMB.. promo ratethe fund very fast will finish, govt extended from 1b to 3b according to my banker. |
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Sep 26 2019, 05:25 PM
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#20
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Senior Member
1,309 posts Joined: Sep 2018
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QUOTE(-CoupeFanatic- @ Sep 26 2019, 04:54 PM) confirmed with my banker that this is fixed, i got 2.9% from CIMB bank. fixed not really tempting.. if semi flexi.. holia wey..the fund very fast will finish, govt extended from 1b to 3b according to my banker. |
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