用EPF还完FLEXI LOAN?

aquamax

Pengeluaran Perumahan Fleksibel *BARU*
http://www.kwsp.gov.my/index.php ... rawtype&ac=3320

刚刚在KWSP的SITE看到可以把ACC2的钱拿完出来还FLEXI LOAN....
有谁申请过了?

cller

会值得吗？

aquamax

如果想买第三间就值得...又可以借90%了...

DRAGONISM

根据这网站，BNM是看你的CCRIS曾经有过多少个贷款，
SETTLE 了第二间的贷款，CCRIS的记录还是在的话，买房还是会中LTV ７０的


http://malaysiahousingloan.net/2010/11/05/3rd-housing-loan-criteria/

Example 2:

Mr A has 2 existing home loans with bank. Recently, he sold one of the houses, Sales and Purchase agreement signed. CCRIS still appear this home loan.

Today, Mr A purchased a new house.

If he applied a home loan for the new house, what is the entitlement?

Answer: Up to 70%.  Because, it is consider 3rd home loan. His existing home loan still appears in CCRIS report.

If the home loan no longer appears in CCRIS, then his entitlement for home loan will be 90%.


Example 4:
Mr A has 10 houses around Malaysia. All houses are fully paid or buying with cash. Now, he is purchasing a new house and would like to apply for a home loan. What is his entitlement?

Answer: Up to 90%.
*Checked with Ms Norhana from Bank Negara Malaysia ( 1-300-88-5465 )

cheechua2004

根据这网站，BNM是看你的CCRIS曾经有过多少个贷款，
SETTLE 了第二间的贷款，CCRIS的记录还是在的话，买房 ...
DRAGONISM 发表于 12-6-2011 12:06 PM

    已今settle 完 loan ,为伸么ccris还有recod ???

DRAGONISM

就好像信用卡的记录，虽然每月清卡，以前的记录还是在CCRIS里的。

阿航

可不可以說明一下怎樣才能把ACC2的钱拿完出来还FLEXI LOAN?

想了解一下...

blackcat98

就好像信用卡的记录，虽然每月清卡，以前的记录还是在CCRIS里的。
DRAGONISM 发表于 12-6-2011 04:55 PM

    我的看法不是這樣

如果loan 已經full settle了

Ccris 不會出現還有outstanding amount

上面的例子是說雖然已經賣了，也簽了s n p,但是還沒完成割名手續，也還沒full settle loan,

最準確的答案就是問banker

tiramisu83

这个和monthly repayment有什么分别？

hazel83

我也想知道怎样拿account 2 的钱出来还housing loan，是不是只要是housing loan 就可以了？
房子使用先生和我的名字，先生是新加坡人，会有问题吗？
有人可以给建议吗？
谢谢！