第三间property是service apartment的话可借90%吗？

osk

据我所知，service apartment 是commercial title。
而，第三间房贷限于70%的条例似乎知针对residential title。

但是，service apartment 是residential purpose。
如题，第三间property是service apartment的话可借90%吗？

请知道的大大多多分享，谢谢。

wk_924

据我所知，service apartment 是commercial title。
而，第三间房贷限于70%的条例似乎知针对residential t ...
osk 发表于 25-7-2011 12:27 AM

   只能 70%

mutant

题外话： commercial title & residential title 什么差别？ 还有strata & individual title也是。

还有为什么只是70%呢？？

osk

题外话： commercial title & residential title 什么差别？ 还有strata & individual title也是。

还有 ...
mutant 发表于 25-7-2011 08:36 PM

   
据我所知，commercial title 是商业用地，电水费，地税，门牌费等的价格根据商业计算，比较贵；
residential title 是住宅用地，这些费用都较便宜，但不可进行商业活动。

我只知道strata title叫做分层地契，就是比如多层的房产如公寓，没strata title前是用master title。
master title的房产要买卖必须获得发展商的consent（同意书）才可以进行。
有了strata title就是把那片公用的地分出个别的地契来，业主拥有那块地的部分拥有权，买卖再不需经过发展商的同意。
至于individual title 是什么，我则不很清楚。

政府规定所有人第三件住宅用途（residential title）的房贷顶限是70%，商业用地的不受限制。

我对房产只略懂皮毛，如有说错，请大大们纠正。

mutant

据我所知，commercial title 是商业用地，电水费，地税，门牌费等的价格根据商业计算，比较贵； ...
osk 发表于 25-7-2011 09:03 PM

   谢谢大大~ 总算明白了~~所以 TS,SungeiWang,Midvalley这些事Commercial Title咯？ 酱里面那些店呢？他们买了店面。。那叫什么title?还是只是租而已

osk

我听隔壁的论坛的大大说，
service apartment 的房贷，其实属于灰色地带，如果要把它当作commerical title来借第三间房贷90%也不是不可能。
当bank的营业额不达标时，或许会在service apartment那里放宽。

关于这一点，有没人听过？

osk

谢谢大大~ 总算明白了~~所以 TS,SungeiWang,Midvalley这些事Commercial Title咯？ 酱里面那些店呢 ...
mutant 发表于 25-7-2011 09:07 PM

   
shopping centre里面的店我想都是commercial title吧？毕竟是做生意。
至于详情，我就不晓得了，我还没到有能力做那么大投资的level。

wk_924

至于individual title 是什么，我则不很清楚
osk 发表于 25-7-2011 09:03 PM

   individual title 是给 landed property

tzuu_yong

Would like to check normal 2/3 storeys shop lot will be under residential title or commercial title? If already buy 1 apartment & 1 house and want buy shop lot, can borrow more than 70%?

wk_924

Would like to check normal 2/3 storeys shop lot will be under residential title or commercial title? ...
tzuu_yong 发表于 27-7-2011 05:26 PM

   shop lot 不受70% 管制，只要income 足够，可以finance 85%

satangel2222

请问买第4间，能借多少%呢？

tzuu_yong

shop lot 不受70% 管制，只要income 足够，可以finance 85%
wk_924 发表于 27-7-2011 05:29 PM

Thanks for your info. But if 1st & 2nd property loan alr owe Bank RM400k in total, if buy another shot lot, max only can finance 85%? 90% can or not? and in such situation if buy a RM500-600k shop lot, how much income need only can finance from bank?

wk_924

请问买第4间，能借多少%呢？
satangel2222 发表于 27-7-2011 05:41 PM

   在这里我们是计算房贷，如果第三间房贷起，只能做70%。

wk_924

Thanks for your info. But if 1st & 2nd property loan alr owe Bank RM400k in total, if buy anothe ...
tzuu_yong 发表于 27-7-2011 05:44 PM

   income 需要RM7000 - RM8000 以上

tzuu_yong

income 需要RM7000 - RM8000 以上
wk_924 发表于 27-7-2011 06:59 PM

In such situation mean i will owe bank 400k (1st & 2nd residential property) + ab 550k (shop lot loan) = 950k owe bank, income rm8000 above can borrow the 550k loan for buying the shop lot? How if i buy a shop lot n borrow loan bout 750k end up overall owe bank 1,15million, income rm8500  can borrow the loan 750k? if can't income 9900 can borrow?

wk_924

In such situation mean i will owe bank 400k (1st & 2nd residential property) + ab 550k (shop lot ...
tzuu_yong 发表于 28-7-2011 12:05 PM

   如果贷款RM750K，供25年，income 需要RM10K 以上 （ 假设没有任何车贷，个人贷款，信用卡）

tzuu_yong

如果贷款RM750K，供25年，income 需要RM10K 以上 （ 假设没有任何车贷，个人贷款，信用卡）
wk_924 发表于 28-7-2011 12:12 PM

If situation as below:-

1) 1st housing loan settled & balance owe bank rm6,000 (Borrow by A)
2) 2nd housing loan owe bank rm375,000 (Borrow by A & B)
3) Going to borrow loan for shoplot rm540,000 or borrow rm770,000 (Borrow by A)

In such situation, if A going to buy the shoplot and borrow loan as stated in (3), need income more than rm10,000? if A's income less than rm10,000, how if A&B decide to buy together and borrow from bank again, how much the minimum income needed by A & B? (Total Income add up by A & B). Thanks.

* Both A & B have credit card but all cleared n never owe credit card.

wk_924

If situation as below:-

1) 1st housing loan settled & balance owe bank rm6,000 (Borrow by ...
tzuu_yong 发表于 28-7-2011 03:30 PM

1) 1st housing loan settled & balance owe bank rm6,000 (Borrow by A)

settle 或者还charged by 银行？

   这样说法很难明白，可以知道A& B 每个月要给的全部 payment 吗？

tzuu_yong

settle 或者还charged by 银行？

   这样说法很难明白，可以知道A& B 每个月要给的全部 pay ...
wk_924 发表于 28-7-2011 05:03 PM

(1) 1st property belong's to A, bank loan 68k already paid bank 62k+interest, balance principal of loan owe bank = 6k.
(2) 2nd property belong's to A & B, bank loan 375k, only start pay interest &  no principal pay yet due to the property not yet completed. (Loan to be paid/mth about 2k share by A & B)
(3) A Plan to purchase shoplot 600k (2 sty) or 850k (3 sty), if borrow 90% loan mean will either borrow from bank 540k or 765k based on shop lot purchase.

A try buy the shop lot if the income allowed him to do so. If not, he will buy together with B.

Current situation: A owe 1st property 6k principal + 1k loan to pay for 2nd property/mth
                              B to bear 1k loan for the 2nd property/mth

So how much income need if A want buy the shop lot alone? If can't buy alone, how much income A & B need to purchase shop lot together? The income considered is before epf/cpf deduction or after epf/cpf deduction?

wk_924

(1) 1st property belong's to A, bank loan 68k already paid bank 62k+interest, balance principal  ...
tzuu_yong 发表于 28-7-2011 05:20 PM

* 先强调commercial loan 最高只能贷款85%


-  如果A 个人要买RM850K， income 最好有RM8K - 9K 以上
-  如果A 个人要买RM600K， income 最好有RM6K - 7K 以上

这个案件上，如果 AB 联名total income 最好是RM10K （RM850K），RM8K （RM600K）

* 之前因为资料不足，你可以忽略我之前说东西