Jan 20 2022, 11:39 AM
QUOTE(Sylph818 @ Jan 12 2022, 10:24 AM)
We are looking to buy a bigger house and found some subsale which is around 750k.
Prepared 130k for downpayment.
Husband, 42
Income 6k - 9k depends on sales target, commission bank in by monthly directly to bank
Commitment:
Housing Loan: Cleared
Car Loan： Cleared
PTPTN: NO
Credit Card Debt: NO
Wife, 36
Income: 6.7k
Commitment:
Housing loan: 1.2k monthly (277k loan amount)
Car loan: 690 (60k)
PTPTN: No
Credit Card Debt: No
Is that possible we could get the loan approve for at least 30 years by joint borrower?
income 13,000-15,000 / mth?Prepared 130k for downpayment.
Husband, 42
Income 6k - 9k depends on sales target, commission bank in by monthly directly to bank
Commitment:
Housing Loan: Cleared
Car Loan： Cleared
PTPTN: NO
Credit Card Debt: NO
Wife, 36
Income: 6.7k
Commitment:
Housing loan: 1.2k monthly (277k loan amount)
Car loan: 690 (60k)
PTPTN: No
Credit Card Debt: No
Is that possible we could get the loan approve for at least 30 years by joint borrower?
Confirm can get la. With your wifes name I think should be no problem.
Assuming 3.1% at 35 years and 130k dp... RM 2,420.81/month mortgage payment commitment.
You are gonna need like another.... 30k(?) for the various fees n duties n all that ya.
For your initial question, just call or drop by a bank, they will give you a quick answer.
Personally, I would minimize the dp, then put (prepay) it into the flexi loan. Whenever you wanna withdraw can.
Infact you put that money into EPF also almost certainty make better returns by 65.
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