Please check your PM, thanks

ok... it goes by the loan... not the ownership of the property

if let's say you join 2 names in the loan for 2 properties, it's counted as 2 properties each.

then the next one acquired by either of the owners is considered the 3rd properties in hand...

for 1 buying as 3rd house and 1 buying as 1st house, my loan department is unable to answer me as there is no firm instruction from the govt yet

thanks for the info, because i going to join name with my dad, for him it is 3rd, for me it is first, so kinda confused here

This post has been edited by set: Nov 5 2010, 02:02 PM

for 3rd housing loan, if bank has issued offer letter for loan 90% and the borrower has accepted and signed the offer letter before 3 Nov. loan aggreement is now in progress. will the new rule of LTV 70% ratio affect this borrower ?

Property Selling Price: RM570k
Required Loan Amount: As high as possible (better if MRTA can be thrown in)
Loan Tenure: 30 yrs.

Look forward to any proposals.

Is there any chance to secure a 90% loan now for joint applicants of 3rd & 1st house?
I would like to apply for a 500k loan, Kindly pm me the offer if there is any.

Hi there,

Looking for house loan package for the following detail

House pice: arnd 250k
Loan period: 30-35yrs (whats your maximum yr allowed?)
Status: Used house
Purchase status: To purchase 1st property
Etc: MRTA, Loan processing fees, included?

Kindly PM me details on your bank loan package

Thanks~

I got an update from my loan department recently.

Bank Negara do not care about how many property in possession, all they care is how many loans are currently running for each individual. For a person with 1st time loan application joining with a person of 3rd time loan application, it is considered as overall 3rd time for both.

that means both of you are entitled for 70% loan only, based on LVR (loan to valuation ratio)

Are u refering to joint ownership in property name or loan? Cuz some ppl put down 2 names for the property and only 1 name for the bank loan.

loan itself.... property ownership is not an issue as you may put 10 names. those who are borrowing for the loan are taken in accounts only.

hi all, looking for best rate to apply loan.. details

Estimated loan request: 350K join loan..
Loan period: 35years
Status: New house under construction
Property name: PKNS

Appreciate if could offer me your loan package including all details.

Thank you so much

Hi, please check your PM, thanks.

This post has been edited by tiffneedle: Nov 8 2010, 05:54 PM

Hi SIr/Madam,

Looking for house loan package for the following detail:---

House pice: 460k (90% or higher)
Loan period: 30-35yrs (whats your maximum yr allowed?)
Status: sub-sale house
Purchase status: To purchase 1st property
Etc: FREE Legal fees/discount?? Loan processing fees, included? locking or no-locking, any others conditions pls adv...thanks

Kindly PM me details on your bank loan package

Thanks~

there is no more free legal fee thingy... and normally no more free locking period.... but there are some exclusions

Pls pm me your best offer for both term and flexi loan, with and without MRTA for comparison purposes.

Hsg loan required - MYR 450,000++
Property status - Completed 4 ++ years residential condo, Freehold
Subsale from current owner
Loan tenure - 30 years
Two person join borrower -(1) Age 35 (Zero outstanding hsg/car/personal loan/credit card debts)
(2) Age 38 (One existing hsg loan, car loan, personal loan)

Combined income per mth - MYR 14,000

Thanks.

your income should be more than sufficient for the loan eligibility

Why do u want to combine the loan?? Just use 1 person should be sufficient.

Do not include MRTA. Thats to protect the bank while instilling the fear in the home owner. This has been said many times. Dont give the bank more money than its already taking.

just wanna share some info
went to cimb n ocbc yesterday asking for housing loan
this is wat i get for property below 200k
cimb blr-1.7/1.8
ocbc blr-1.8/1.9
hope u guys can share oso

anyone there...is that 100% financing possible?