贷款程序, 工钱算法, 贷款秘密

Madgenius

logtech 发表于 1-5-2017 08:41 PM
如果父子 两名 贷款 如何?

如过 父子的 收入最稳重强，会看老爸的岁数

如过儿子的薪水强，那么就会看儿子的岁数

dk92

买第一间屋子 想知道大概能贷款多少..

年龄：25
薪水：Net income RM3500
房贷：-
车贷：-
卡债：Outstanding RM3500
PTPTN: RM200
FD: RM100k

谢谢

ngph988

dk92 发表于 27-7-2017 02:27 PM
买第一间屋子 想知道大概能贷款多少..

年龄：25
薪水：Net income RM3500
房贷：-
车贷：-
卡债：Outstanding RM3500
PTPTN: RM200
FD: RM100k

谢谢

以75% DSR 计算法， 贷款可高达 RM 480,000. 这是包括了您的 FD.
请问是想买新屋还是二手屋? 二手屋是有额外费用
- SNP & Loan Legal Fee
- Valuation Fee
- SNP & Loan Stamp duty

ksl38888jbm

815k 的房屋，薪水大约要多少才能 90％mof 呢？有车1168

Madgenius

ksl38888jbm 发表于 27-7-2017 09:38 PM
815k 的房屋，薪水大约要多少才能 90％mof 呢？有车1168

你好

至少 RM8000

ksl38888jbm

Madgenius 发表于 7-9-2017 07:23 PM
你好

至少 RM8000

如果是赚新币，银行是x 多少？全部扣完剩个5千可以吗？

Madgenius

ksl38888jbm 发表于 7-9-2017 11:09 PM
如果是赚新币，银行是x 多少？全部扣完剩个5千可以吗？

你好

每个银行都不一样，所以打底 最安全是  X 2.9-3

5000 星币可以

RM5000 达不到你要贷款的数目

除非你联名，或有其他的 收入 = RENTAL INCOME ETC

tenchi

你好：想买多一间家，希望每个月installment RM1000那样，能买几多钱的屋子/apartment/condo？2手的也可以。

1. Income (borrower)
-net salary :7899.04
-OT: 没有
-Allowance：没有
-Bonus：无知数

2. Supporting income (borrower)
-Tenancy agreement：没有
-ASB ( 2 years total bonus)：没有
-Shares：没有
-Fixed deposit：没有

3. Debt / commitment (borrower)
-Hire purchase loan (Credit limit)* 车：605
-Housing loan (Credit limit)：第一间：504.70 （已经从net薪水扣了）
-Personal loan (Credit limit)：没有
-PTPTN (credit limit)：完了
-Credit card (Outstanding)：大越<1000,多数是还完的除了那个月有买东西。
-ASB loan ( credit limit)：没有
-Overdraft ( Credit limit)：没有

孩子一个4岁，全家保险：1971.60，现在租屋子：1100

Madgenius

tenchi 发表于 8-9-2017 08:40 AM
你好：想买多一间家，希望每个月installment RM1000那样，能买几多钱的屋子/apartment/condo？2手的也可以。

1. Income (borrower)
-net salary :7899.04
-OT: 没有
-Allowance：没有
-Bonus：无知数

2. S ...

你好




可以借贷款最高，每个银行

Bank		Loan amount
A*BANK		777,193.33
H*NG LE*NG		980,502.98
M*YBANK		836,179.00
*CBC		734,125.48
R*B		928,187.33
U*B		734,125.48
C*MB		1,001,916.50
AFF*N		-
PB*		1,001,916.50
HSB*		734,125.48

tenchi

Madgenius 发表于 8-9-2017 06:38 PM
你好




可以借贷款最高，每个银行

谢谢你。原来可以借那么多？ 但是扣掉平常家庭开支应该没有那么多的net income了
如果买2手的apartment/condo可以借到full loan吗？例如300000那样，借300000的installments一个月几多？

tenchi

ngph988 发表于 27-7-2017 03:08 PM
以75% DSR 计算法， 贷款可高达 RM 480,000. 这是包括了您的 FD.
请问是想买新屋还是二手屋? 二手屋是有额外费用
- SNP & Loan Legal Fee
- Valuation Fee
- SNP & Loan Stamp duty

这些大概几多钱？

Madgenius

tenchi 发表于 8-9-2017 07:19 PM
谢谢你。原来可以借那么多？ 但是扣掉平常家庭开支应该没有那么多的net income了
如果买2手的apartment/condo可以借到full loan吗？例如300000那样，借300000的installments一个月几多？

你好

1. 每个月

35 年

至少
RM1300

2. 律师费 贷款

Loan amount:	270000		Sub Total
Professional Charges
Facilities Agreement			2,700.00
Charge Annexure			170
Discharge of charge
Entry and Withdrawal of Private Caveat			350
Statutory Declaration			100
		Professional Charge		3320
Disbursement
Stamp duty on the Facility Agreement (Original)			1350
Stamp duty on the Facility Agreement (Copies)			20
Stamp duty on the Charge Annexure			40
Stamp duty on the Discharge of charge
Stamp duty on Letter of Offer			20
Registration Fee on Charge			120
Registration Fee on Entry and Withdrawal of Private Caveat			450
Registration fees on Discharge of charge
Affirming Fee/Bankruptcy Search			100
Stamping on Statutory Declaration (Owner Occupation/not a bankrupt)			40
Land Search			120
Documentation Fee			318
Transportation			300
Telephone Calls, Facsmile, Printing charges and couriers and etc			300
Miscellaneous			50
GST 6%			238.2
				6786.2

3. 律师费SPA

Loan Amount	270,000.00
Professional Charges
Facilities Agreement								2,700.00
Charge Annexure								170
Entry and Withdrawal of Private Caveat								350
Consent to charge								300
Statutory Declaration								100
						Professional Charge			3620
Disbursement
Stamp duty on the Facility Agreement (Original)								1350
Stamp duty on the Facility Agreement (Copies)								20
Stamp duty on the Charge Annexure								40
Stamp duty on Letter of Offer								20
Registration Fee on Charge								120
Registration Fee on Entry and Withdrawal of Private Caveat								450
Affirming Fee/Bankruptcy Search								100
Stamping on Statutory Declaration (Owner Occupation/not a bankrupt)								40
CTC title (For Application of consent to charge)								50
Application and Registration fees for consent to charge								100
Land Search								120
Bank administrative charge								350
Transportation								300
Telephone Calls, Facsmile, Printing charges and couriers and etc								300
Miscellaneous								50
GST 6%								256.2
									7286.2

tenchi

Madgenius 发表于 9-9-2017 10:12 AM
你好

1. 每个月

35 年

至少
RM1300

2. 律师费 贷款




3. 律师费SPA

律师肥罢了就14千

Madgenius

tenchi 发表于 9-9-2017 12:51 PM
律师肥罢了就14千

1. 是的， 买屋子不贵， 贵在你的 律师费

2. 如果你是购买二手， 你的律师费可以不用给， 重要是，你的房屋MARKET VALUE 高，可以 CASH OUT

比如

RM300,000 的房屋，市价RM400,000 ，90%

RM360,000 - 300,000 = RM60,000
你可以提取 RM60,000

这个RM60,000 你可以还律师费和定金

看你·如何投资

tenchi

Madgenius 发表于 9-9-2017 11:54 PM
1. 是的， 买屋子不贵， 贵在你的 律师费

2. 如果你是购买二手， 你的律师费可以不用给， 重要是，你的房屋MARKET VALUE 高，可以 CASH OUT

比如

RM300,000 的房屋，市价RM400,000 ，90%

RM360,000 - ...

原来可以这样。。。这个市价是银行估计？

weiwei86

你好，本人是第一次买屋子，目前看中一间535k的二手屋。请问我能借到多少钱呢？

1. Income (borrower)
- net salary = RM 5,100
-Bonus = 每年最少一个月花红

2. Fixed deposit = RM 36,000

3. Debt / commitment (borrower)
-Hire purchase loan (car loan)= RM 561 (2.5years remaining)
-PTPTN =RM 190/month

Madgenius

tenchi 发表于 10-9-2017 01:05 PM
原来可以这样。。。这个市价是银行估计？

你好

1. 是的，我们会跟每个不同的银行的估价师拿估价

Madgenius

weiwei86 发表于 11-9-2017 10:33 AM
你好，本人是第一次买屋子，目前看中一间535k的二手屋。请问我能借到多少钱呢？

1. Income (borrower)
- net salary = RM 5,100
-Bonus = 每年最少一个月花红

2. [/bac ...

你好

Bank		Loan amount
A*BANK		621,665.56
H*NG LE*NG		768,311.31
M*YBANK		632,954.63
*CBC		612,848.81
R*B		741,662.96
U*B		612,848.81
C*MB		687,942.13
AFF*N		-
PB*		687,942.13
HSB*		612,848.81

需要帮忙，可以联络我。

weiwei86

Madgenius 发表于 11-9-2017 11:34 AM
你好





需要帮忙，可以联络我。

谢谢楼主的回复哦。。。想请问手续费方面大概需要准备多少cash？如律师费，stamp duty，fee。。。我是首购族有tax exemption对吗？

Madgenius

weiwei86 发表于 11-9-2017 12:47 PM
谢谢楼主的回复哦。。。想请问手续费方面大概需要准备多少cash？如律师费，stamp duty，fee。。。我是首购族有tax exemption对吗？

你好

SPA 费

Loan amount:	1000000							Sub Total
Professional Charges
Sales and purchase agreement								3,933.90
Entry and Withdrawal of Private Caveat								350
Statutory Declaration (P.U.(A) 361)								100
CKHT 2A								200
						Professional Charge			4383.9
Disbursement
Stamp duty on the Memorandum of Transfer (subject to valuation)								5000
Stamp duty on the Sale and Purchase  Agreement								40
Registration Fee on Transfer								400
Affirming Fee/Bankruptcy Search								100
Registration fee on entry and withdrawal of private caveat								450
Land Search								120
Transportation								300
Telephone Calls, Facsmile, Printing charges and couriers and etc								300
Miscellaneous								50
GST 6%								302.034
									11445.934

贷款费

Loan amount:	497700							Sub Total
Professional Charges
Facilities Agreement								3,933.90
Charge Annexure								397.7
Discharge of charge
Entry and Withdrawal of Private Caveat								350
Statutory Declaration								100
						Professional Charge			4781.6
Disbursement
Stamp duty on the Facility Agreement (Original)								2488.5
Stamp duty on the Facility Agreement (Copies)								20
Stamp duty on the Charge Annexure								40
Stamp duty on the Discharge of charge
Stamp duty on Letter of Offer								20
Registration Fee on Charge								120
Registration Fee on Entry and Withdrawal of Private Caveat								450
Registration fees on Discharge of charge
Affirming Fee/Bankruptcy Search								100
Stamping on Statutory Declaration (Owner Occupation/not a bankrupt)								40
Land Search								120
Documentation Fee								318
Transportation								300
Telephone Calls, Facsmile, Printing charges and couriers and etc								300
Miscellaneous								50
GST 6%								325.896
									9473.996