银行贷款配套，欢迎讯问 ~第二代~

Madgenius

www1666 发表于 22-3-2016 08:25 PM
自己做生意
薪水：不定 (income tax 每年報50-60k)
房屋：RM550千 借70%
偿还期：35年
年龄：32
Committment:0

有幾會借到loan嗎?

你好

1. 你的公司成立多少年了？

2. 你连信用卡都没有吗?

我姓黎

Madgenius 发表于 21-3-2016 10:51 PM
你好，

1. RM400,000 房屋贷款没问题，但是借90% 有可能罢了。 应为你没有债务，银行看不到你还欠PATTERN。

2. 如果你有 高收入，有股票， 等等。。 还有机会。

3.或，联名购买。

那我可以借多少percent?
还有大大为什么我申请不到aeon 的credit card ? 是我收入太低？

briankok

www1666 发表于 22-3-2016 08:25 PM
自己做生意
薪水：不定 (income tax 每年報50-60k)
房屋：RM550千 借70%
偿还期：35年
年龄：32
Committment:0

有幾會借到loan嗎?

没问题，有兴趣贷款可以联络我，短消息

Andy66888

Madgenius 发表于 24-2-2016 08:29 PM
你好，

1. 以你们俩的工钱，和债务，可以借最高RM1,300,000 的贷款。供RM5464 每个月/ 4.4%利息

2. 借90% 没问题，但是，需要看了你们的 CCRIS, CTOS 和 收入文件先。

你好，我也想知道我现在还可以拿到4.4吗？ 请问是什么银行？

PRO_Loser

Hi Madgenius,

Gross Income RM8000
Age : 39
Hire Purchase RM727/m remain RM13000 outstanding
4 Credit cards and clear every month
CTOS / RAM i-score 7/10
Would like to know how much is the max loan I am eligible? Thank you.

2004050401

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

Madgenius

我姓黎 发表于 23-3-2016 11:17 PM
那我可以借多少percent?
还有大大为什么我申请不到aeon 的credit card ? 是我收入太低？

你好

1. 最理想是 90% 贷款， 但是以我所说，需要有SUPPORTING DOCUMENT 来借到 90%

2. 有可能。 还没看过你的文件，不知道。

Madgenius

Andy66888 发表于 24-3-2016 11:24 AM
你好，我也想知道我现在还可以拿到4.4吗？ 请问是什么银行？

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。

Madgenius

PRO_Loser 发表于 24-3-2016 02:39 PM
Hi Madgenius,

Gross Income RM8000
Age : 39
Hire Purchase RM727/m remain RM13000 outstanding
4 Credit cards and clear every month
CTOS / RAM i-score 7/10
Would like to know how much is the max loan I am eligible? Thank you.

Dear,

1. Based on the details given by you, Your max loan eligibility for each bank is as follow:

	Rm
AMBANK	734,660.71
HONG LEONG	923,848.21
MAYBANK	734,660.71
OCBC	734,660.71
RHB	860,785.71
UOB	734,660.71
CIMB	608,535.71

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

Andy66888

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。

Madgenius

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。

PRO_Loser

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:

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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.

laici_laici

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？

听我说话

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

Madgenius

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

Madgenius

laici_laici 发表于 28-3-2016 01:28 AM
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？

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。

Madgenius

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
RHB	133,901.94
UOB	36,610.28
AFFIN	182,547.78

sinyung89

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?

blurz

sinyung89 发表于 29-3-2016 08:54 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?

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？

sinyung89

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