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Housing Loan Advice from you all

 
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kareep



Joined: 25 Feb 2009
Posts: 64

PostPosted: Wed Feb 25, 2009 6:25 pm    Post subject: Housing Loan Advice from you all Reply with quote

hi,

I'm so confused Confused . Hope someone can give me advice on it.

If i wanna purchase
Property Price: RM 150,000.00 & RM180,000.00
Property Type: Condominium / Apartment
Property Status: 2nd hand Freehold /Leasehold
and maximum loan and years.
How much is the rate interest and how is it calculated coz i want to know how much downpayment i need and monthly isntallment.

here my personal detail
Age :28
Income: RM2k per month
Car installment: RM400 per month

Am i qualified get the home loan from bank? Shocked

What housing loan package i get?

Appreciate everyone's advice. Wink
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Merce



Joined: 01 Apr 2008
Posts: 112

PostPosted: Sat Feb 28, 2009 3:03 pm    Post subject: Re: Housing Loan Advice from you all Reply with quote

kareep wrote:
hi,

I'm so confused Confused . Hope someone can give me advice on it.

If i wanna purchase
Property Price: RM 150,000.00 & RM180,000.00
Property Type: Condominium / Apartment
Property Status: 2nd hand Freehold /Leasehold
and maximum loan and years.
How much is the rate interest and how is it calculated coz i want to know how much downpayment i need and monthly isntallment.

here my personal detail
Age :28
Income: RM2k per month
Car installment: RM400 per month

Am i qualified get the home loan from bank? Shocked

What housing loan package i get?

Appreciate everyone's advice. Wink



Hi Kareep,


Its going to be hard with an income of RM 2k per month.

unless your loan amount is RM100k or less, even if its there it's still very hard to get approval as your serving ratio is just over the edge there...

Still, give me a call if you need help sorting out your mortgage plan.


Regards,


Merce Chua
Assistance Manager
OCBC Bank (M) Bhd
Jalan Tuanku Abdul Rahman
019 - 913 1127
ChuaCChie@OCBC.com
----------------------------
Call me for the FREE items;
FREE OCBC Mortgage consultancy
FREE Personal Loan consultancy
----------------------------
Collection:
Sheaffer Targa 1002 (1980-1988) Steel Nib
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jelen



Joined: 01 Feb 2009
Posts: 56
Location: PJ, KL

PostPosted: Sun Mar 01, 2009 7:52 pm    Post subject: Reply with quote

....

Last edited by jelen on Mon Dec 13, 2010 11:33 pm; edited 1 time in total
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soontat



Joined: 06 May 2008
Posts: 46
Location: Kuala Lumpur

PostPosted: Mon Mar 02, 2009 1:56 pm    Post subject: Reply with quote

i think you can still get a loan. Maybe not 90%, but won't until only 60%. Provide your have good ccris and ctos

try me out
davidyst@hotmail.com
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kareep



Joined: 25 Feb 2009
Posts: 64

PostPosted: Fri Mar 06, 2009 12:16 pm    Post subject: Reply with quote

If i combine two persons income? can i easy get home loan?
but my partner got home & car installment.[/quote][/u]
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soontat



Joined: 06 May 2008
Posts: 46
Location: Kuala Lumpur

PostPosted: Fri Mar 06, 2009 1:31 pm    Post subject: Reply with quote

it should be easier.May i know your both total income and commitment?

thanks
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