贷款程序, 工钱算法, 贷款秘密

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

tenchi

Madgenius 发表于 11-9-2017 11:30 AM
你好

1. 是的，我们会跟每个不同的银行的估价师拿估价

亚庇有分行？

hansel骗子

Madgenius 发表于 11-9-2017 12:52 PM
你好

SPA 费



贷款费

多谢清晰分析

Madgenius

tenchi 发表于 11-9-2017 06:10 PM
亚庇有分行？

你好

亚庇我们也有协助

可以联络我

=D

Madgenius

hansel骗子 发表于 11-9-2017 06:40 PM
多谢清晰分析

你好

没问题


=D

c_long

Madgenius 发表于 11-9-2017 11:34 AM
你好





需要帮忙，可以联络我。

你好。请问
GROSS SALARY RM3000
BONUS 一年固定的最少2个月
车loan RM430
能接到300K的loan吗？

Madgenius

c_long 发表于 21-10-2017 02:31 PM
你好。请问
GROSS SALARY RM3000
BONUS 一年固定的最少2个月
车loan RM430
能接到300K的loan吗？

你好

Bank		Loan amount
A*BANK		286,347.56
H*NG LE*NG		399,612.67
M*YBANK		205,351.67
*CBC		267,172.00
R*B		353,837.69
U*B		298,082.17
C*MB		389,587.69
AFF*N		-
PB*		389,587.69
HSB*		267,172.00

2. 可以借到

3. 你的 DSR 算强给 RM300K

4. 但是我需要检验了你的CRRIS CTOS，才可以给你满意的答复

5. 需要帮忙，可以联络我 016868 1383