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发表于 24-3-2016 06:14 PM
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Madgenius 发表于 24-3-2016 06:06 PM
你好
1. 4.4% 可以，但是不能答应你。 需要看了你的PROFILE 先
2. RHB, HLBB, CIMB, PBB, UOB. 全都有机会。
3. 如果你需要帮忙，可以联络我。
干杯。
我目前想要买kepong这里的公寓，之前已经有两个loan是4.45%,希望能可以再低点，我的peyment 100% 很美记录。 |
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发表于 24-3-2016 06:19 PM
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2004050401 发表于 24-3-2016 04:34 PM
A
薪水：net income, 4250
房屋：新，420k
偿还期：30年
年龄：31
Committment: Hire Purchase, RM1330
有3间屋子，没有贷款，但是屋租完全没有报income tax的，所以不打算公开。credit card 都有，installment还欠10k左右
B
薪水：net income, 2000
房屋：新，420k
偿还期：30年
年龄：30
Committment: 0
A和B联名借买新屋，会有问题吗?而且A的最大贷款额可以到多少，谢谢
你好
1. A & B 联名
贷款最高
| AMBANK | 467,359.76 | | HONG LEONG | 652,457.26 | | MAYBANK | 467,359.76 | | OCBC | 467,359.76 | | RHB | 590,758.10 | | UOB | 467,359.76 | | CIMB | 343,961.43 | | AFFIN | - |
2. A 单独
最高贷款
| AMBANK | 110,321.43 | | HONG LEONG | 321,467.26 | | MAYBANK | 194,779.76 | | OCBC | 110,321.43 | | RHB | 237,008.93 | | UOB | 152,550.60 | | CIMB | 110,321.43 | | AFFIN | 675,666.67 |
3. 如果需要帮忙或还有问题，可以联络我。
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发表于 24-3-2016 09:02 PM
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Madgenius 发表于 24-3-2016 06:13 PM
Dear,
1. Based on the details given by you, Your max loan eligibility for each bank is as follow:
[/td] [/tr]
[/table]
2. The best bank to get the highest loan would be HLBB and RHB. However, each bank has it's own ball game
Different bank will calculate your income and debt accordingly based on each bank's different policy. Hence,
I would need to do a due diligence on your profile before suggesting the best bank to proceed with.
3. I would need to check you CCRIS, CTOS and income documentation before giving you any assurance.
If everything goes fine, 90% shouldn't be a problem for you.
4. What's your credit limit for your 4 cards and what's the outstanding amount for each of the card?
Cheers
Hi,
My salary is 5k and remuneration 3k every month. My total limit for CC is 55k with no outstanding which I clear every month.
BTW can I know why HLBB and RHB can offer the loan amount higher than other bank and what is the rate. Recently I had checked my CTOS and CCRIS, and both are clean and no delay payment.
Thank in advance.
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发表于 28-3-2016 01:28 AM
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不好意思，我想询问下
由于最近我朋友想购买empire damansara
因为是under commercial title
有些agent就跟我说可以贷款到90%
有些agent就说最多80-85%
要怎么知道真正是可以贷款到几％呢？ |
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发表于 28-3-2016 02:31 PM
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年齡:31歳
目標:RM400,000 - RM450,000+装修费
月收入: S$2350
Loan: 車貸 RM930/月
信用卡: RM276/月 + RM 280 / 月 固定還.
其餘信用卡: 没有installment的都还清
Personal Loan： RM 650 / 月 (差不多4年)
第一间房子(联名): RM 1340 / 月 |
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发表于 29-3-2016 08:08 PM
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PRO_Loser 发表于 24-3-2016 09:02 PM
Hi,
My salary is 5k and remuneration 3k every month. My total limit for CC is 55k with no outstanding which I clear every month.
BTW can I know why HLBB and RHB can offer the loan amount higher than other bank and what is the rate. Recently I had checked my CTOS and CCRIS, and both are clean and no delay payment.
Thank in advance.
Dear,
1. If base don RM5K income, the analysis output will differ as bellow:
| Dear, | | | | | | | 1. Based on the details given by you, Your max loan eligibility for each bank is as follow: | | | Rm | | AMBANK | 358,535.71 | | HONG LEONG | 569,681.55 | | MAYBANK | 442,994.05 | | OCBC | 358,535.71 | | RHB | 485,223.21 | | UOB | 400,764.88 | | CIMB | 358,535.71 | | AFFIN | 675,666.67 |
2. It's differ because the DSR calculation for each bank for each income group is different, hence different bank has different ball game.
3. If you need any assitance in loan application, do contact me.
Cheers
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发表于 29-3-2016 08:10 PM
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你好
1. 如果这个PROJECT UNDER ”HOUSING DEVELOPMENT ACT“ 就是90%。
2. 去询问，到底是不是 HDA 的。
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发表于 29-3-2016 08:13 PM
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听我说话 发表于 28-3-2016 02:31 PM
年齡:31歳
目標:RM400,000 - RM450,000+装修费
月收入: S$2350
Loan: 車貸 RM930/月
信用卡: RM276/月 + RM 280 / 月 固定還.
其餘信用卡: 没有installment的都还清
Personal Loan： RM 650 / 月 (差不多4年)
第一间房子(联名): RM 1340 / 月
你好
1. 你可以借最高：
| HONG LEONG | 231,193.61 | | MAYBANK | 85,256.11 |
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| | RHB | 133,901.94 | | UOB | 36,610.28 |
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| | AFFIN | 182,547.78 |
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发表于 29-3-2016 08:54 PM
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Salary : S$1800.00
Loan: 車貸 RM1300/月
年龄 : 28
如果我要买一间450k 的家请问 loan 得到吗?
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发表于 29-3-2016 09:45 PM
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Salary : S$1800.00
Loan: 車貸 RM1300/月
年龄 : 28
如果我要买一间450k 的家请问 loan 得到吗?
最高可以贷款RM３７０K。
RM４５０K的屋子需要联名
是跟发展商还是OWNER买呢？
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发表于 29-3-2016 10:12 PM
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blurz 发表于 29-3-2016 09:45 PM
Salary : S$1800.00
Loan: 車貸 RM1300/月
年龄 : 28
如果我要买一间450k 的家请问 loan 得到吗?
最高可以贷款RM３７０K。
RM４５０K的屋子需要联名
是跟发展商还是OWNER买呢？
跟owner |
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发表于 29-3-2016 10:13 PM
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发表于 29-3-2016 10:17 PM
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blurz 发表于 29-3-2016 10:13 PM
BANK VALUE多少呢？
Bank value 450k, 将salary要多少才可以loan到? |
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发表于 29-3-2016 10:19 PM
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发表于 4-4-2016 09:33 PM
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需要看六个月bank statement,
有兴趣申请大马银行可以pm 我
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发表于 5-4-2016 04:51 PM
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年齡:31歳
月收入: RM 2200
信用卡: 固定還.
其餘信用卡: 没有installment的都还清
第一间房: RM 750 / 月
我还可以可以借最高几钱？ |
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发表于 5-4-2016 09:28 PM
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年龄 37
薪金 2800
车款 487
信用卡每月清
请问可以借到多少？谢谢 |
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发表于 6-4-2016 03:22 AM
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你好
1. 最高可借
| Rm | | AMBANK | 48,986.00 | | HONG LEONG | 68,456.00 | | MAYBANK | 29,516.00 | | OCBC | 68,456.00 | | RHB | 48,986.00 | | UOB | 68,456.00 | | CIMB | 48,986.00 | | AFFIN | 68,456.00 |
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发表于 6-4-2016 03:23 AM
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你好
1. 最高贷款：
| Rm | | AMBANK | 328,532.80 | | HONG LEONG | 508,650.63 | | MAYBANK | 400,579.93 | | OCBC | 328,532.80 | | RHB | 436,603.50 | | UOB | 364,556.37 | | CIMB | 328,532.80 | | AFFIN | 472,627.07 |
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发表于 6-4-2016 04:21 PM
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薪水：SGD 4000
房屋：RM600K (扣除头期)
偿还期：35年
年龄：31
Committment: No
无卡债, PTPTN 还清, 但个人存款不多
有什么配套可以拿？ |
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