Hi all sifus,

First timer buying property.

I have a few questions here, hope you guys can help out:

My condo market value at most RM130k, but the seller renovated the house and selling at RM190k. As i know bank will only loan maximum another RM30k, which equal to total loan RM160K (correct me if i'm wrong). My monthly income now is Rm4k. Or is there any chances i can get a 'Zero Cost Moving in Loan'?

Another question is there a "renovation loan". I heard it's a personal loan which they bundle in the home loan.

I'm too new in these kind of banking and loans. I hope someone can help me with that.
Thanks a bunch!