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查看: 1101|回复: 12
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Bank Agent, 请帮帮忙. 想请问Housing Loan的一些问题?
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小弟打算买一间Rm220k的Apartment. 应该在下个月完工.
我想问:
1. 请问我可以借到95% loan吗? 哪个银行可以?
2. 我今年28岁,请问maximum loan tenure可以多少年?
3. 我听说First Home Scheme可以100% loan, 对吗? 如何申请?
以下是我看到的100% loan requirement:
| WHO CAN APPLY | - Malaysian citizen
- First time home-buyer
- Individuals up to age 35 years
- Single borrower gross income not exceeding RM5,000/month
- Confirmed employee with minimum employment of 6 months with same employer
- All outstanding debt repayment obligations from banks and non-banks (including those not covered by CCRIS) must not be more than 60% of the net monthly income
| | MINIMUM LOAN AMOUNT | RM100,000 (exclusive of MRTA). | | LOAN MARGIN | Up to 100% | | LOAN TENOR | Minimum : 5 years
Maximum : 35 years or age 70 whichever is earlier | | MRTA | Optional | ELIGIBLE PROPERTY | - 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)
| | - Amortizing facility only (no redraw features)
- Installments payable via monthly salary deduction or standing instruction
- Savings record (3 months installment liquidity reserve)
- Compulsory Fire insurance/takaful
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本帖最后由 hihisiew 于 19-8-2013 02:26 PM 编辑
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发表于 19-8-2013 12:14 PM
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其实你借越多, 利息滚得越快, 风险也相对拉高, 要三思啊!
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发表于 19-8-2013 12:30 PM
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发表于 19-8-2013 12:32 PM
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u0508950 发表于 19-8-2013 12:14 PM 
其实你借越多, 利息滚得越快, 风险也相对拉高, 要三思啊!
不过如果他有弄FLEXI LOAN用钱压利息就不用担心了.
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发表于 19-8-2013 12:38 PM
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城市英雄 发表于 19-8-2013 12:32 PM
不过如果他有弄FLEXI LOAN用钱压利息就不用担心了.
多数要借这么多的都是没什么剩余钱的, 如果真的有那么多钱, 其实FLEXI/SEMI FLEXI分别不大.
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发表于 19-8-2013 12:41 PM
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u0508950 发表于 19-8-2013 12:38 PM
多数要借这么多的都是没什么剩余钱的, 如果真的有那么多钱, 其实FLEXI/SEMI FLEXI分别不大.
如果他刚出来社会,对前途有把握的话,就可以做这个了~
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发表于 19-8-2013 12:44 PM
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我也是尽量能借多少就借多少,原因无他,怕INCOME TAX找上门,懒得解释... |
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楼主 |
发表于 19-8-2013 12:46 PM
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其实我已经出来工作多年了.可惜的是,我没什么储蓄.
以我现在的能力,我每个月可以用Rm1300-1500来供房子.
但是就是挖不出Downpayment的钱.
Can advise me? |
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发表于 19-8-2013 12:52 PM
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hihisiew 发表于 19-8-2013 12:46 PM
其实我已经出来工作多年了.可惜的是,我没什么储蓄.
以我现在的能力,我每个月可以用Rm1300-1500来供房子.
...
看来你要多做几份副业了....gif)
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楼主 |
发表于 19-8-2013 01:55 PM
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城市英雄 发表于 19-8-2013 12:52 PM
看来你要多做几份副业了...
怎么了?
如果是买少过Rm300k的房子,应该还afford得起吧? |
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发表于 19-8-2013 02:03 PM
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hihisiew 发表于 19-8-2013 01:55 PM
怎么了?
如果是买少过Rm300k的房子,应该还afford得起吧?
存多一些CASH.
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楼主 |
发表于 19-8-2013 02:26 PM
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城市英雄 发表于 19-8-2013 02:03 PM
存多一些CASH.
明白.
其实Rm1300-Rm1500之外,我还是会有saving.
谢谢你的advise
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发表于 19-8-2013 02:46 PM
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hihisiew 发表于 19-8-2013 02:26 PM
明白.
其实Rm1300-Rm1500之外,我还是会有saving.
谢谢你的advise
别客气,我也是这样走过来的.
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