本帖最后由 mkgroup 于 4-8-2012 10:37 PM 编辑
Loan Q&A
1. What is BLR?
2. What is the rate currently bank offer?
3. How to know my buyer can getting the loan amountbased on their salary?
4. If lets say my buyer didn’t declare income tax,can my buyer getting loan?
5. How many type loan is the bank offer to purchaser,and what is the different(term loan, flexi loan and Islamic loan),explain thedifferent if can. ^^
6. Is every banks offer rate all are the same? Whatis ccris and ctos means?
7. Which bank can offer best rate currently in themarket?
8. What is documents need submit to bankers applyloan(personal and company)
9. If myclients got ccris and ctos problems, still can apply the loan?
10. Why should I check with the bankers about theproperties bank value?
11. What is the question I must ask purchaserbefore the purchaser apply loan and I can confirm to the purchaser’s loan canapprove 90% after I check the properties got bank value?* can save banker’s time.
12. How long is the loan tenure can the banks offer?
13. What is MRTA And MLTA means and full sentence?
14. Is every banks request purchaser apply MRTA AndMLTA only can get the loan approve?
15. What is lock in period means? And what is the penalty?How many years?
16. Which banks is easy going in the market now?means easy approve loan to the buyer.
17. If the properties has not issue the title yet,is the bank still will consider to approve loan to the purchaser? And whatabout if the developer is facing financial problems now and the title still notyet issue to the property owner, will the banks consider approving loan to thebuyer to purchase the property?
18. If let’s say the area is already black list by thebanks because of 严重地崩，水灾，the banks still will approve loan to buyer topurchase this area property?(which area?)
19. Example: if lets say is a subang got twocondo(subang A and subang B), lets says the years and environment is almost thesame, the subang A tanslate more(about 600k-latest), but next to it subang B translateless,just about 480k-latesr), could subang B get bank value 600k as well samewith subang A?
20. Lets say my buyer bought a property atsubang,could the buyer apply loan at outstation and using the lawyer atoutstation to handle the loan agreement?
21. Normally the bank will check the buyer ccris andctos status only or the banks also will check the seller ccris and ctos status?whenthe bank check this status, do the bank need pay any fee?
22. If the buyer has been signed the letter offerfrom the bank, bur aborted before sign loan agreement, does the buyer need payany penalty to the banks?
23. If the buyer sign loan agreement and has pay allthe legal fee and stamp duty, but aborted before the bank the balance to theseller, does the buyer need pay any penalty to bank? what about the legal feeand stamp duty, is refundable to buyer?
24. If u got more to teach, also can, if not, justteach this all enough. TQ ^^
本帖最后由 mkgroup 于 4-8-2012 10:38 PM 编辑
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