experts,
my friend need your advice on conventional and islamic scheme home loan for buy a completed house...which 1 the better choice?
thanks!!!
home loan, conventional or islamic scheme loan
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 Nov 17 2008, 04:31 PM, updated 18y ago
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#1
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Junior Member
33 posts Joined: Sep 2008  
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Nov 18 2008, 04:20 PM
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#2
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33 posts Joined: Sep 2008
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QUOTE(shiewwai85 @ Nov 17 2008, 10:38 PM) take conventional better...islamic interest is high..but if your friend would like to take flexi loan, you may ask him to contact me..my number is 017-3282011. flexi sell like hot cake in the market and the interest is very low..the lowest is 4.35% per annum. i will let her know..thanks! |
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Nov 19 2008, 02:09 PM
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#3
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Junior Member
302 posts Joined: Mar 2008 From: Sri Nilam, Ampang
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QUOTE(shiewwai85 @ Nov 17 2008, 10:38 PM) take conventional better...islamic interest is high..but if your friend would like to take flexi loan, you may ask him to contact me..my number is 017-3282011. flexi sell like hot cake in the market and the interest is very low..the lowest is 4.35% per annum. i'm planning to take a home loan in the next 6-18months time. may i know what is the normal requirements to be eligible for the loans, what are the necessary documents needed, and the procedures. thank you |
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Nov 27 2008, 01:38 AM
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#4
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Junior Member
102 posts Joined: Nov 2008 From: Penang 
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QUOTE(sassyset @ Nov 19 2008, 02:09 PM) i'm planning to take a home loan in the next 6-18months time. may i know what is the normal requirements to be eligible for the loans, what are the necessary documents needed, and the procedures. thank you FOR EMPLOYEEphotocopy ic 3 months payslip EPF Borang B / Borang EA SPA / property title / booking receipt FOR Self-Employed photocopy ic 6 months company statements Borang BE Business registeration form *Borang A + D *Borang 4, 24, 49 SPA / property title / booking receipt usually bank will calculate your commitment and check ur CCRIS status before doing any decision to approve or reject a loan application. and some will even see into the location and types of property u buying.... This post has been edited by abyss8: Nov 27 2008, 01:42 AM |
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Nov 28 2008, 12:05 PM
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#5
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5,220 posts Joined: Jan 2003
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have pmmed u the details.
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Nov 28 2008, 12:53 PM
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#6
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Senior Member
4,398 posts Joined: Jan 2003  
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QUOTE(abyss8 @ Nov 27 2008, 01:38 AM) FOR EMPLOYEE To be on the safe side and give yourself more points.photocopy ic 3 months payslip EPF Borang B / Borang EA SPA / property title / booking receipt FOR Self-Employed photocopy ic 6 months company statements Borang BE Business registeration form *Borang A + D *Borang 4, 24, 49 SPA / property title / booking receipt usually bank will calculate your commitment and check ur CCRIS status before doing any decision to approve or reject a loan application. and some will even see into the location and types of property u buying.... throw in atleast 6 month bank statement (with savings if you could) Audited account of the company (whatever you call it) |
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Nov 28 2008, 06:05 PM
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#7
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102 posts Joined: Nov 2008 From: Penang
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oh yea, good point ed0gawa =D
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Nov 30 2008, 12:51 AM
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#8
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Junior Member
221 posts Joined: Aug 2008
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if possible, show your FD also...put more strength to your approval. i got one customer have RM150k FD, loan RM220k..approval in one day..haha
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