Restructuring loans and Bank tagging on CCRIS record.

How bad is it? and how much will it affect my future loan applications/refinancing.

Want to reduce the monthly loan repayment thanks to the OPR hikes. But they said that it will cause tagging.

Restructuring loans and Bank tagging on CCRIS record.
What is bank tagging?


How bad is it? and how much will it affect my future loan applications/refinancing.
You still looking for new loan? LoL

Want to reduce the monthly loan repayment thanks to the OPR hikes. But they said that it will cause tagging.

housing loan. Long way to go max 35yrs.

lock-in period is 3 yrs..still got about 2yrs to go

housing loan. Long way to go max 35yrs.

lock-in period is 3 yrs..still got about 2yrs to go

Yes already in works for that, I am asking because to understand if i really need to continue living like that or can i re-structure and enjoy paying less for a short period of time.

Not sure what side gig's can i do. Do not have reliable transportation for grab/lalamove. for the time being
according to the banker,until i am willing to go back paying the higher installments, but they havent got back to me yet on how much would that be.

Huh????
Please be specify
You house loan still under construction and the loan repayment still under progressive or house already completed and you already take over under VP

Restructuring loans and Bank tagging on CCRIS record.

How bad is it? and how much will it affect my future loan applications/refinancing.

Want to reduce the monthly loan repayment thanks to the OPR hikes. But they said that it will cause tagging.

Restructuring is not same as refinancing.

taken VP. Fixing up some defects then want to rent out for the time being.

Sell it.

housing loan.

35yrs, already VP. Havent moved in, still doing some defect fixing.

Then things went sour, so plan to rent the place out to cover once the repairs are done. But still need to top up about  800 or so. Long story how things got there in a first place,rather not put that here

Great to know, i am a good paymaster since the day I got my 1st credit card (still the same CC lol)
Pr1ma property..so thats not happening at the moment..gotta wait 5yrs
Long story short, bought for own stay and did not go according to plan due to various reasons.

defects and small reno works cost about Rm13k++ (had to use savings and sell off a few things to cover..so that is out of the picture).

Possibly another 2k standby just incase.

installment pre opr hikes was 1370...now its about 1.7k(maintenance fees Rm155). So Rm1855+- monthly.

Technically I am still able to service the loan, been this way for a few months sudah. But its torture la living hand to mouth, renting it out diam2 still need to top-up about Rm800+-.

Would love to get the cheapest possible new car la, but thats a long ways to go.

Good news - No deficient

Bad news - until i rent out, doesnt take much to fk things over for me.

Neutral news - cant save money at all.

total income nett 4.2k...sendiri agak2 la LOL

I got a long way too again to change careers my current field fking hard to find new job or climb salary (work in a very niche economic/diplomatic/embassy line..so yeah). Still trying to reskill myself..but that will take maybe 7 months or so until i am able to jump ship (this one take it with a grain of salt, since i am not there yet)

your pic is my favourite game,FF8.
Dont have it with me now, but it was at 3%+ or something.

I clearly rmb when i signed was rm1370 monthly, now its rm1.7+-.
MRTA  I just followed the guidelines, probably kena makan by the agent. Didnt know much then, trying to buy via the HOC campaign with zero downpayment.

no promotion and still stay likely mean salary is already above market rate, no?

I do not have Dato family members
after rent out, I can save about 1.8k a month. Provided i stay with parents lo until i get my bearings right.
Prima, so cant sell for 5yrs
high rise, landed kenot la uncle unless income is t20 or buy at some ulu place.

tq but im not taking a new loan..basically asking the bank to reduce the monthly amount but extending the loan years.

After 3 years,then refinance with a different bank for a lower interest. At least that's the plan

since your loan just start

just sell it cheap ..rugi a bit better than further bleed

atleast you are free from one of the big commitment..especially if you got no line of sight for your future

the most rugi 3 years interest lor

financial faiz where got so free to help common people like TS. he will say, i can help you, but you also help me out... nothing is free except your father and mother give you....

tq but im not taking a new loan..basically asking the bank to reduce the monthly amount but extending the loan years.

After 3 years,then refinance with a different bank for a lower interest. At least that's the plan

yep, the added charges at the end is about 35k extra or so. But cant do much until the 3yr lock-in period ends. Once that 3yrs is completed, can shop around again. Will jump for a Fixed lntrest if the rates are similar then.