Dec 28 2008, 11:10 PM
QUOTE(sissoko @ Dec 27 2008, 09:21 PM)
Hi guyz...i'm looking forward to buy semi d house at at bandar bukit mahkota bangi..price is 240k....my salary after deduction is 2500...therefore i need some advice...what is the best loan package...i need lower monthly installment and is it possible to have 100% loan or at least 95% loan? please advice...pm me if possible...or here also can..i've noticed we have bank staff here...i'm looking for 30 years installment..let me know monthly installment
Just estimate yr salary be4 deduction is RM 2.8k and this house loan around RM 216k (90% margin) monthly installmet around RM RM 1200-1300
qualify for apply loan is 1/3 of your salary or 40% of your salary (some bank can up to 60%), but your situation should be ok for apply... depend on your other commitments eg: car and house.
Loan can get up to 90% only based on BNM rules of financing. If the market value higher than the purchase price u can markup the value eg 265k
(mean u can use the 265k for 90% loan) pls remember the SPA hav to follow the new price.
try to get for local bank loan, foreign bank approver a bit tight.
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