买屋薪水资格

Steven1990

小弟最近想购人生第一间屋子(寻找中)大约300-400k的
小弟薪水如下 ，不知能借到多少贷款？

basic = rm2100
OT +allowance =平均rm1400 - 1600不等

总收入(扣完epf socso income tax ) =至少rm3300 最高有3800

请问银行贷款条件有列入ot & allowance 考量吗？还是只是看basic?

SeanLee5025

应该都ok吧。当然 allowance and OT 会列入考量，不然 self employed的不用买屋？

spirintel

我想大概可以借到250K左右。OT + Allowance只要你可以证明这是长期稳定性的收入，银行都会考虑在内的，不用担心。：）

祝你贷款顺利！

SilverStarrr

ot & allowance， comm。 这些，银行都会考虑在内的。如果你有FD会更好。

Steven1990

算一算 贷款360千 30年  供期一个月也要17xx , 会过吗？

30年贷款+利息 一共 633千

如果我提早供完 会比较划算吗？

Serinajr

应该还可以吧！！

Py1984

Skim Rumah Pertamaku

http://www.srp.com.my/docs/html/home.html

Features and Benefits
First Home purchase  (Subject to affordability)
Up to 100%  financing
Residential property only


Qualifying Criteria
Eligible Borrowers
Must be a Malaysian citizen
First time home-buyer
Individuals up to age 35 years
Single borrower gross income not exceeding  RM5,000/month and joint borrowers gross income not exceeding  RM10,000/month (based on gross maximum income of RM5,000/month per borrower)
Repayment of total financing obligation must not be more than 60% of the net monthly income or maximum financing limit of the participating bank, whichever is lower

Eligible Properties
Residential properties located in Malaysia
Minimum property value of RM100,000
Maximum property value of RM400,000
Owner occupied  (buyers are required to reside in the property)

Financing Requirements
Financing tenure not exceeding 40 years, subject to borrower’s age not exceeding 65 years at the end of financing tenure
Amortising facility only (no redrawable features)
Installments payable via monthly salary deduction or standing instruction
Compulsory Fire insurance/takaful

OPERATING MECHANISM
Eligible how buyer will need to apply directly with participating banks for a housing loan/financing under the Scheme.

PARTICIPATING BANKS
1) Affin Bank Berhad
2) Affin Islamic Bank Berhad
3) Alliance Bank Malaysia Berhad
4Alliance Islamic Bank Malaysia Berhad
5) Ambank Berhad
6) AmIslamic Bank Berhad
7) Bank Islam Malaysia Berhad
8) Bank Muamalat Malaysia Berhad
9) CIMB Bank Berhad
10) EON Bank Berhad
11) EONCAP Islamic Bank Berhad
12) Hong Leong Bank Berhad
13) Hong Leong Islamic Bank Berhad
14) Maybank Berhad
15) Maybank Islamic Bank Berhad
16) OCBC Bank Malaysia Berhad
17) OCBC Al-Amin Berhad
18) Public Bank Berhad
19) Public Islamic Bank Berhad
20) RHB Bank Berhad
21) RHB Islamic Bank Berhad
22) United Overseas Bank Malaysia Berhad
23) Standard Chartered Bank Malaysia Berhad
24) Standard Chartered Saadiq Berhad

楼主的条件，400千可能可以，问过才知道，不过不想供得太辛苦就买300千-350千的condo/apartment，每月供款应该是1600或以下