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Author: bacardipro

senang ke nak beli rumah?

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Post time 29-7-2020 11:37 AM | Show all posts
menanabil replied at 29-7-2020 10:01 AM
kena try semua bank. sbb ada bank yg boleh luluskan. abang saya beli rumah dkt 5 bank jugak lah di ...

susah bebenor nak apply dkt bank ni ye. kalau mana yg record ctos or ccris tak cantek or maybe kena blacklist ke auto kena reject sia sia hahahah
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Post time 29-7-2020 11:39 AM | Show all posts
dekmieDandy replied at 29-7-2020 11:32 AM
tengah tunggu bank call lg

agen cakap dia submit kat banyak bank

penat menunggu last last hampa umm banyak kali dah kena mcm ni. mcm mcm benda lah diorang mintak lepastu bukan lulus pun
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Post time 29-7-2020 11:52 AM | Show all posts
billiecyrus replied at 29-7-2020 03:36 AM
yelah rate tu depends dgn kita punya credit scoring lah en. tp ada jugak range profit rate yg pali ...

hong leong tu offer 3.7 - 3.75, tapi iolls punya credit scoring cantik so cam hape je rate tu so tunggu la bank lain call dulu

baru last week actually submit application
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Post time 29-7-2020 12:02 PM | Show all posts
nasalo replied at 29-7-2020 03:39 AM
penat menunggu last last hampa umm banyak kali dah kena mcm ni. mcm mcm benda lah diorang mintak l ...

iolls tadi dia suruh isi form je, document lain semua agent da tolong submit

dapat offer hong leong tu 3.7 - 3.75, tapi nak tunggu bank lain dulu

kalau tak terpakselar
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Post time 29-7-2020 02:52 PM | Show all posts
Edited by billiecyrus at 5-8-2020 11:15 AM
dekmieDandy replied at 29-7-2020 11:52 AM
hong leong tu offer 3.7 - 3.75, tapi iolls punya credit scoring cantik so cam hape je rate tu so t ...

credit scoring cantek dpt ah ceni. tp tulah hong leong ni tah kalau gaji rendah mcm saya lepas ke tak haha lg org yg record tk clean mmg payah wei. nasib loan dkt yayasan dia boleh kasi walaupun kau blacklist. dia kasi utk org blacklist pun sbb utk goverment staff and badan berkanun je. so diorang nk lari mana org kerajaan kot hahahah. Member cakap dia syariah compliant so confident sikit nak apply dkt company ni
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Post time 17-8-2020 04:17 PM | Show all posts
rumah harga 280k kebawah lepas tu,
cari la rumah kos rendah dulu buat aset
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Post time 22-8-2020 04:03 PM | Show all posts
First, kena tahu kelayakan loan dulu. Contoh gaji RM2300.
Kelayakan loan: Gaji tolak RM1200 (kos sara hidup. depend pada bank amaun ni) tolak komitmen.

Contoh: RM2300 -RM1200 - komitmen ASB RM300 = RM800

Jadi, boleh apply loan sehingga RM800 sebulan.

Second, baru cari harga rumah yang layak dengan loan.
boleh check guna loan calculator ini https://www.propertyguru.com.my/mortgage/home-loan-calculator

Let say harga rumah RM220,000. Deposit 10% iaitu RM20,000.
Jadi loan RM200,000.
Rate semasa 3.0% - 3.3%
Loan term 35 tahun.

selepas calculate, dapatlah loan RM804 sebulan. Maknanya dengan gaji RM2300, boleh lah beli rumah yang berharga RM200-220K.

Third, carila rumah dalam range harga tersebut.

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Post time 25-8-2020 09:58 PM | Show all posts
Boleh try bank islam pun current rate for housing loan dia rendah
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