Hi all,

I read that banks will usually give home loan if the monthly payment is not more than one third of my income.

My questions are:

1. Is that 33% of gross income (before EPF, tax deductions) or net income?

2. Is share margin financing from non-bank stockbrokers such as OSK and Hwang-DBS included in the calculation of the loan commitment?

3. Are there any banks that will still give home loan if my loan commitment is 40% to 80% of my income? (PMs are welcome)

Thank you.