Hi sifus.


First time buying house.

Been monitoring properties price change recently along with statistics from NAPIC, I am 50% safe to say that I can now afford a subsale landed properties in KV below 500k.

But i know where my opinion stands, below 500k can possible buy a DSL landed that is either very old, or is LH, far from city, non preferable area, or all add up.

Which is not an issue for me, as I am renting a Condo now (and landed too) so I know the difference between two and which one I want.

So my question is :

1. is there anyway I can get full loan/mark up loan in subsale market?
2. if yes/no, how can I benefit if the owner selling BMV?
3. if yes/no, how much cash do i need to prepare (idk, maybe for evaluator, agent, legal fee etc)?
4. Can I benefit from BSN housing scheme?
5. Any legal tricks to get extra cash from bank loan?

The reason I want full / mark up loan is because I want spare some cash for renovation and furnish since its a subsale (most likely old...)


Some of my details that can help you understand my situation.

1. < 30 yo.
2. Employed in reputable company, engineer.
3. Saving + FD + Share around 60~k
4. Gross income ard 5+k.
5. Good credit record (car loan, PTPTN, 2 credit cards)

Thanks

Cheers

What is Ur ctos score?

Hi,


I havent bought a CTOS report yet, since I only graduated for less than 2 years and have not worked long enough.

Get urself a record by credit card pay on time and pay ptptn.

Full loan is available below 500k from BSN or some bank offer first home buyer full loan.

Below market price / mark up did bring some hassle but still do able by signing a another agreement.

Hi there, thanks for the advice.

Ya I have been paying back PTPTN and credit card on time but it was all less than a year.

I guess my score will only be meaningful after some time.