Aug 22 2021, 08:44 PM
QUOTE(Afterburner1.0 @ Aug 16 2021, 11:59 AM)
Due to covid, was retrenched since last year.... but i do have alternative income from rental of about RM 5K per mth(with tenancy agreement).... but not too sure if banks allow ppl like me to take a housing loan of about 500K to buy a new house for investment?
Contacted a few bankers.... but all don't layan me.... straight up say our bank don't accept client like u! ok lor.... i'll ask around....
Got 1 ask me to join name.... no lar.... this is my prop why wanna join name.... then got 1 banker say i need assets and cash of 1 mil to apply loan... lol
So anyone can advise on how to go about it to apply housing loan using rental as my mthly income?
rental agreement is as supplementary income only...now banks only take 50% or even 40% if they did not outright dismissed it.....letsay RM 5K per month then only 2.5k is taken into consideration as ur supplementary income.Contacted a few bankers.... but all don't layan me.... straight up say our bank don't accept client like u! ok lor.... i'll ask around....
Got 1 ask me to join name.... no lar.... this is my prop why wanna join name.... then got 1 banker say i need assets and cash of 1 mil to apply loan... lol
So anyone can advise on how to go about it to apply housing loan using rental as my mthly income?
but no steady income whther salary or business?? cannot la broooo
hence why one banker needs the assets and 1 mil cash as Collateral bruv
now lelong case for banks are at all time high...they must be crazy to loan out 500k to unemployed mang...thats the risk management that the bank have to do
better allocate some small sum u can loose as a backup business
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