贷款程序, 工钱算法, 贷款秘密

Madgenius

StevE_KhAw 发表于 14-7-2016 12:27 PM
怎么不同银行借到的贷款差那么多的？没有PBB吗？

PBB 的跟 CIMB 一样

因为，每个银行的算法都不一样， DSR 都不一样算法

所以贷款是不一样

kiki2lala

Madgenius 发表于 14-7-2016 03:51 PM
1. Based on the details given by you, Your max loan eligibility for each bank is as follow:               
                Rm
        A*BANK         386,648.00
        H*NG LE*NG         572,75 ...

THANKS
I WOULD LIKE TO HAVE FULLY FLEXI LOAN, WHICH ONE BETTER? AND WHICH BANK HAVE LOW INTEREST RATE, THANKS.

Madgenius

kiki2lala 发表于 14-7-2016 04:37 PM
THANKS
I WOULD LIKE TO HAVE FULLY FLEXI LOAN, WHICH ONE BETTER? AND WHICH BANK HAVE LOW INTEREST RATE, THANKS.

Dear

1. Full flexi or semi flexi depends on what's your obejctive and do you have frequent high cash flow, that you need a place for you to temporarily deposit your cash

2. Low interest, there's few banks I can help you submit if you want low interest.

Low interest rate also depends on your profile, certain bank will indicate rate depends on your profile personally and not on the loan amount.

Full  flexi:

1) current account tied to  loan account

2) auto debit from current  account at month end and interest is calculated based on outstanding balance  minus amount in current account

3) maintenance charge of RM10  per month

4) setup/ processing fee of  Rm200 (certain bank)

5)The liquidity comes in the  form of an ATM card or a linked CASA account to the housing loan.

Example: You have a shop that  is opened Monday to Satuday, rest on Sunday. On Saturday, you deposit all  your proceeds of the week into the flexi account, on Sunday, you would save  [(your-HL-interest-rate)/365]*AmountDeposited worth of interest. On Monday,  you withdraw the money to run your business

6) Withdrawal of money or  crediting of money through ATM,CHEQUE,OVER THE COUNTER, or online

Semi Flexi

semi flexi package typically  has these features:

1) requires you to phone in to  indicate the extra payment as early settlement of advance payments

2) if you fail to indicate,  you will be charged 1% (some banks do this afaik)

3) if you indicate advance  payment, no additional interest is saved as "advance" payment will  only be credited to your loan account when it reaches your cycle date, so it  is plain advance payments. and must be in multiple of your monthly payment.

4) For redrawable prepayments,  you need to indicate separately and Redraw charge of RM50 is imposed (M*B  charge Rm25)

5) Withdrawal of money or  crediting of money through Cheque or Over the counter

kiki2lala

Madgenius 发表于 14-7-2016 05:08 PM
Dear

1. Full flexi or semi flexi depends on what's your obejctive and do you have frequent high cash flow, that you need a place for you to temporarily deposit your cash

2. Low interest, there ...

WHERE ARE U STAY?

Madgenius

kiki2lala 发表于 14-7-2016 05:23 PM
WHERE ARE U STAY?

KL, SELANGOR, KLANG

yan_zi_my

我想了解一下refinance的配套。。

我的semi flexi with pbb过了lock in period,所以想看看refinance到其他银行

-想省利息
-套现

Madgenius

yan_zi_my 发表于 15-7-2016 12:07 PM
我想了解一下refinance的配套。。

我的semi flexi with pbb过了lock in period,所以想看看refinance到其他银行

-想省利息
-套现

你好

1. 你的REFINANCE 为了更低利息？

2. 为了取钱从你的屋子？


当你刚过LOCK IN PERIOD 3年，利息不高于5%， REFINANCE 为了省利息通常不划算，因为REFINANCE 你需要 给LEGAL LOAN FEES, VALAUTION FEES. 蛮贵的

如果你打算把钱提出来，那么就有理由REFINANCE，或者你非常痛恨PBB，就REFINANCE 吧！

puputeh24

你好PRO。 多谢分享

Madgenius

puputeh24 发表于 20-7-2016 10:32 AM
你好PRO。 多谢分享

        
谢谢，过奖了你。。     

yes_angel

请问这样可以借到多少钱？ 我打算买550k-600k的屋子
gross income - 3700.00
car loan - 供完
credit card - 每个月清还
housing loan - 目前还有280千 (和哥哥联名，可是我没帮供）

Madgenius

yes_angel 发表于 20-7-2016 05:48 PM
请问这样可以借到多少钱？ 我打算买550k-600k的屋子
gross income - 3700.00
car loan - 供完
credit card - 每个月清还
housing loan - 目前还有280千 (和哥哥联名，可是我没帮供）

你好，

1.

	Rm
A*BANK	221,864.80
H*NG LE*NG	383,135.13
M*YBANK	157,356.67
*CBC	221,864.80
R*B	336,057.00
U*B	254,118.87
C*MB	318,627.00
AFF*N	350,881.07

yes_angel

Madgenius 发表于 20-7-2016 06:02 PM
你好，

1.

谢谢你
看来我要存多点头期钱才行

Madgenius

yes_angel 发表于 21-7-2016 11:22 AM
谢谢你
看来我要存多点头期钱才行

加油啊！！！！

MSNG

Madgenius 发表于 20-7-2016 06:02 PM
你好，

1.

这个 BANK LOAN ANALYSIS 在那里可以找到 ？

Madgenius

MSNG 发表于 28-7-2016 09:59 AM
这个 BANK LOAN ANALYSIS 在那里可以找到 ？

这个私人用的，迟早会放上WEB给你们自己用！

愛情拜家女

嗨你好
我想请教高人一些问题

我朋友月入RM8700，供车RM850,买了公寓还没开始供（月供:RM1300）

1. 他想再购入一间屋子，请问他大概可以买到多少钱的屋子？
2. 有3张FD，普通saving account有点钱，新加坡有存款，这对贷款有帮助吗？

Madgenius

愛情拜家女 发表于 29-7-2016 09:49 AM
嗨你好
我想请教高人一些问题

我朋友月入RM8700，供车RM850,买了公寓还没开始供（月供:RM1300）

1. 他想再购入一间屋子，请问他大概可以买到多少钱的屋子？
2. 有3张FD，普通saving account有点钱，新加坡有 ...

你好

1.

	Rm
A*BANK	414,753.86
H*NG LE*NG	617,591.36
M*YBANK	414,753.86
*CBC	414,753.86
R*B	627,072.89
U*B	414,753.86
C*MB	482,366.36
AFF*N	534,978.86

2. 有，很大帮助！增加你的CREDIT SCORING LOAN APPROVAL!

katlyn

你好，请问这样可以借到多少钱？

薪水：RM3600/月
房贷：没有
车贷：没有
卡债：installment RM220(剩9个月) 其他每个月还清。
PTPTN : RM178

有办法借到RM500K吗？有什么办法可以提高DSR?

谢谢！

Madgenius

katlyn 发表于 5-8-2016 07:56 AM
你好，请问这样可以借到多少钱？

薪水：RM3600/月
房贷：没有
车贷：没有
卡债：installment RM220(剩9个月) 其他每个月还清。
PTPTN : RM178

有办法借到RM500K吗？有什么办法可以提高DSR?

谢谢！

你还

1. Based on the details given by you, Your max loan eligibility  for each bank is as follow:
		Rm
	A*BANK	374,916.40
	H*NG LE*NG	534,248.23
	M*YBANK	312,063.67
	*CBC	374,916.40
	R*B	469,195.50
	U*B	406,342.77
	C*MB	469,195.50
	AFF*N	500,621.87

2. 你要RM500,000。 只有HLBB 可以办得到。

katlyn

Madgenius 发表于 5-8-2016 08:04 AM
你还


2. 你要RM500,000。 只有HLBB 可以办得到。

PTPTN 不包括在 commitment 吗？