If u are Malays/Bumi/Govern servant then u mayb can try to apply 90-95% or even 100% depending on u qualification. Last few years got scheme where some people could even loan more then 100% which to let u buy house and provide u money to move in too. But in the end, the interest rate are sky high and long term..

This post has been edited by dRLurve: Feb 25 2009, 07:59 PM

The qualification i means is ur education level and future earning rate potential. UOB is one of the example which taking education level as a factor to approve loan. The theory behind this is bcoz not matter how poor are u, as long as u are Degree holder, ur income will not less then certain amount or degree income standard. So in conclusion, if u are a Phd holder and working in govern sector, then they have no reason to reject u since ur income and earning potential are very stable and higher. Hope thats help u.

This post has been edited by dRLurve: Feb 25 2009, 08:10 PM

Since u say this year u are 26 years old. i assume u just graduated. You still so young wat~~ All depend on urs mindset to success. At least it is a good start since u adi planning to settle down with a plan. Bravo~