Need help with home loans?

Your First Home Loan

Need Your First Home Loan?

Buying your first home is exciting and a little scary at the same time. Not only are you faced with the challenge of finding the right property to become your first home, but you also need to know you’re getting the right first home loan.

How Much Can I Borrow?

Before you go hunting for your new home, you should have a clear idea of exactly how much the banks will allow you to borrow. Once you understand how much borrowing power you have, learn how much the repayments will be and work out if this amount is affordable for your income level.

Knowing your borrowing capacity and your repayments ahead of time means you won’t be tempted to overspend or go hunting for houses that are outside your budget. Contact, our home loan consultant they may be able to help you achieve your goals.

Which First Home Loan is Best?

The Malaysia mortgage market can be a confusing maze of options, home loan interest rates and bank jargon that can be difficult for a first home buyer to navigate successfully, but you don’t have to get through it on your own.

When it comes to finding the ‘best’ first mortgage for you, it’s important to remember that no two people have identical financial situations. Nobody else but you has your income, your expenses or your goals. This means that aiming at a mortgage that worked really well for a friend or family member of yours may be a terrible option for your own first home loan.

Always keep in mind that you should aim at finding a mortgage package that works best for your unique personal situation.

Do I Need a Deposit to Buy My First Home?

Most Malaysia banks have scaled back the availability of no deposit home loans and 100% home loans. The current maximum financing is 90% + 5% MRTA (optional).

The best way to check if you’re able to begin searching for your first home is to contact a professional mortgage consultant. You’ll be helped to understand your full borrowing capacity, you’ll know how much your repayments will be and, best of all, a mortgage consultant will make sure you’re applying for the best possible first home loan to suit your needs and your goals.

Call our mortgage consultant now to get a simple quotation and free verbal valuation on your property.

By | 2016-11-01T10:40:23+00:00 June 19th, 2010|1st Time Home Buyer, Bank Interest rates|122 Comments

122 Comments

  1. fadzlin August 16, 2010 at 3:06 am

    i want to know my eligibility for housing loan.
    my gross salary 2300 n my husband is 3250. how much will be my eligibility? i’m interested with the house which price is 350,000. am i eligible?and how much i need to spend monthly?

    • Melissa August 16, 2010 at 8:08 am

      Dear Fadzlin,

      Thank you for visiting our website.

      I already PM your questions.Please check you email ya!

  2. Jolin August 27, 2010 at 3:21 pm

    I wish to know my eligibility for housing loan.
    Combined gross salary of me and my bf is RM6600, 2 car installments total RM2800, may I know what else are consider under our commitment? And if we wish to take a house loan about RM350k, are we eligible?

    • Melissa September 3, 2010 at 4:21 pm

      Thank you for visiting our website.

      I already PM your questions.Please check you email ya!

  3. Yangjie August 28, 2010 at 2:16 am

    Hi, I’m looking to buy a completed property as my 1st home. My monthly basic salary is RM3800 but I’m receiving an average of RM2500 of allowances consistently for the past 12 months. But due to my company’s policy the allowances I’m receiving is not reflected in my payslip but it is reflected in my bank account statement. I do not have any other outstanding loans. May I know how much am I elegible to borrow? Thanks

    • Melissa September 3, 2010 at 4:22 pm

      Dear YangJie,

      Thank you for visiting our website.

      I already PM your questions.Please check you email ya!

  4. Fara September 1, 2010 at 9:25 pm

    Hi,

    i have a few question :

    1) i’m a first time home buyer and i’m interested to buy a house costing at RM360,000. am i eligible to get a 95% housing loan? and how much would be my monthly installment? my salary is around RM3,200.

    2) is it a bad move to apply for personal loan to pay for 10% downpayment of the house?

    3) is it possible for my fiancee and i to apply for joint housing loan? is there such a thing?

    hope you can help!

    Thanks.

    best regards,
    fara

    • Melissa September 3, 2010 at 4:25 pm

      Dear Fara,

      Thank you for visiting our website.

      I already PM your questions.Please check you email ya!

  5. Yeng September 9, 2010 at 12:19 am

    Hi,

    I’m going to purchase my 1st home soon.

    May i know currently which bank offers the best home loan package.

    Thanks
    Sarah

    • Melissa September 9, 2010 at 5:05 am

      Dear Sarah, Thank you for visiting our website. I already PM your questions.Please check you email ya!

  6. Ginny September 14, 2010 at 9:29 am

    I and my boyfriend would plan to buy a property soon , our combine monthly income about 4200.
    We have just bought a car , every month installment about MYR590 for 8 year , the car loan is under my bf name .
    Could you please advise what is the eligible loan that i can get ?If for 280k house possible ?

    • Melissa September 14, 2010 at 1:46 pm

      Dear Ginny, Thank you for visiting our housing loan website. I already PM your questions. Please check your email ya!
      Thank you.

  7. Fernandez October 8, 2010 at 11:51 am

    hello,
    im going to buy my first house. All the of the banks only give 90% loan of the house price. So the 10% will have to come from myself. The problem is how im going to cover for the 10%? because my savings is not sufficient enough to pay for the 10% downpayment. Is there any other alternative or any other banks that can give full loan??

    • Melissa October 12, 2010 at 8:50 am

      Dear Fernandez, Thank you for visiting our website. I already PM your questions.Please check you email ya!

  8. Yen October 11, 2010 at 10:36 am

    Hi, i plan to buy a house and my salary is RM2400.I do not have any other outstanding loans. May I know how much am I eligible to borrow? Thanks

    • Melissa October 12, 2010 at 8:49 am

      Dear yen, Thank you for visiting our website. I already PM your questions.Please check you email ya!

  9. Eijah October 12, 2010 at 4:05 am

    Hello

    I plan to buy a house (first house) with a range of RM350,000 to RM450,000. My monthly salary is RM6200. My only financing is my car RM600 a month and its in the 5th year other than my credit card.
    1. How much do i have to spend monthly?
    2. Can you advice me which bank offers the best package?
    3. May i know the maximum amount of house loan and house value that i can make with my current salary?

    Really appreciate your help and advice. Thank you.

    • Melissa October 12, 2010 at 8:49 am

      Dear Eijah, Thank you for visiting our website. I already PM your questions.Please check you email ya!

  10. Shahril October 13, 2010 at 2:06 pm

    i want to know my eligibility for housing loan.
    my gross salary 9.5k. how much will be my eligibility? i’m interested with the house which price is 290,000. am i eligible?and how much i need to spend monthly?

    • Melissa October 17, 2010 at 3:52 am

      Hi shahril,thank you for your comment. I already PM to your email.

  11. nofa October 14, 2010 at 2:51 pm

    hi.. i’m planning to buy my 1st home..
    with monthly salary or 2.5k may i know the best home loan package? i dont have other commitment except my car loan (600).. im looking for 350k loan..is it possible?

    • Melissa October 17, 2010 at 3:51 am

      Hi nofa,thank you for your comment. I already PM to your email.

  12. Sharika Kasturi October 15, 2010 at 11:10 am

    Hi..

    Just want to know how much should my salary be to buy a property for RM140k.
    Its my parents house which i plan to buy it from them.

    No idea on the process, req and procedures..
    Pls Advice.

    016-396xxxx

    • Melissa October 17, 2010 at 3:50 am

      Hi kasturi,thank you for your comment. I already PM to your email.

  13. Fenny October 17, 2010 at 4:12 am

    Dear melissa,i would like to buy a new house with 220K for my family. But parent already retire n me n my sis salary sum up only less than 3000. we have an old house at the moment. maybe will rent out (500 monthly)or sell out. however, the new house is under construction n now open for booking.

    Could you please advise what is the eligible loan that i can get? we have no idea on the home loan package, procedure and requirement. Thank You

    • Melissa October 19, 2010 at 1:54 am

      Dear Fenny, i tried to send an email to you but the mail was turned down.Please provide your correct email address. Thank you.

  14. maisarah October 17, 2010 at 4:30 am

    i am planning to buy my first house, with purchase price of rm130k,my gross salary rm2600 and crrntly i dont have any commitment yet.

  15. Soraya October 17, 2010 at 2:12 pm

    Hi..am planning to buy my first property next year, salary is only RM2,500 at the moment. Landed property is still expensive to me so am looking to buy an apartment at around RM185,000. Would I be able to get this amount of borrowing from the bank? Really appreciate your feedback. Thanks!

    012-3892314

  16. Joanne Chooi October 18, 2010 at 2:31 am

    My sister and I are planning to buy an apartment/condo about RM220K or less than that… Both of us total earning about RM5K.. Currently we both do owe a car…

    Do we able to get 100% loan?

    Actually should we look for the property first? or should we look for the loan first??

  17. nurul October 18, 2010 at 5:55 am

    hi melissa

    i’m interested with the house which price is 370k. my gross salary is rm6250 and my age is 32. i plan to make a full settlement on my car and credit card. then, i don’t have other commitment except my personal loan amounted around rm1200 per month. i wish to know my eligibility and how much i need to spend monthly. like sharika kasturi, i also have no idea about the process and procedures.

    thanks

  18. Ken October 18, 2010 at 7:22 am

    I am 25 now and gonna buy my 1st house. My basic salary is RM 2.8k, and I have saved RM 30K++ for my downpayment. May I know if I’m eligible for landed property at RM250-300K? I don’t have other commited loans.

    Besides, what do you think of freehold/leasehold?

    Thank you.

    • Melissa October 20, 2010 at 5:22 am

      Hi Ken, Thank you for leaving us a comment. I had PM you, pls check your email.

  19. askeypuah October 18, 2010 at 3:20 pm

    HI, my salary is RM3000 before deduct the EPF. After deduct the EPF will lower than RM3000. SO do I eligible for this scheme?

    • Melissa October 20, 2010 at 5:21 am

      Hi Puah, Thank you for leaving us a comment. I had PM you, pls check your email.

  20. matt October 18, 2010 at 9:08 pm

    hello melissa, this is my first time to get a house. i just want to ask, with a rm3000 salary a month, how much can i borrow? how much is the interest they will charge me? and how much must i pay for monthly installment? let say the hous im intrested in 300 000 ringgit?

    • Melissa October 20, 2010 at 5:21 am

      Hi Ezuar, Thank you for leaving us a comment. I had PM you, pls check your email.

  21. Husna October 19, 2010 at 4:02 am

    hi.. i’m planning to buy my 1st home..
    with monthly salary 1.6k plus p/time 700. may i know the best home loan package? i dont have other commitment except my car loan (570).. i would like to buy a new house with 120K from owner.is it possible? 013330xxx

    • Melissa October 20, 2010 at 5:20 am

      Hi there, Thank you for leaving us a comment. I had PM you, pls check your email.

  22. RedRuby October 19, 2010 at 5:23 am

    Hi,

    I am planning to buy a house and sharing it with my fiance. And our monthly commitment around RM500 for credit card and RM500 for car.

    Anyway, can we share it with another third person, which is my father? His salary is RM6500 and monthly commitment of RM2000.

    Could u advise me on :

    1. How much do i have to spend monthly?
    2. which bank offers the best package? As a staff of Sime, i’m entitled to get interest subsidy loan for BLR -2% or the actual interest rate.
    3. Maximum amount of house loan and house value that i can make with our current salary?
    We really have no idea on the home loan package, procedure and requirement.
    Appreciate your feedback. Thanks.

    • Melissa October 20, 2010 at 5:20 am

      Hi zatie, Thank you for leaving us a comment. I had PM you, pls check your email.

  23. abysss October 19, 2010 at 2:40 pm

    dear melissa, i plan to buy a new house. this is my first time to make home loan. my basic salary 13++ only. and every month i get 100 hour overtime work. i’ve already 6 year working at my employer. combine my OT and salary i get 2+++…
    can i make a home loan? and can u calculate my limit to make home loan?

    • Melissa October 20, 2010 at 5:18 am

      Hi, Thank you for leaving us a comment. I had PM you, pls check your email.

  24. Jessie October 23, 2010 at 2:00 am

    Hi, i’m single with salary RM2000. Could you please advise what is the eligible loan that i can get? what is the house value that i can make with my current salary? Please advise on the home loan package, procedure and requirement. Thank You

  25. Norman October 24, 2010 at 2:43 pm

    I am 27 now and gonna buy my 1st house. My salary is RM 5k after deduction of EPF. and I have saved RM 30K++ for my downpayment. May I know if I’m eligible for landed property at RM350k? I don’t have other commited loans.

    Thank you.

    • Melissa October 27, 2010 at 8:14 am

      Dear Zalil, thank you for leaving a comment here. Please check your email.thks.

  26. phoebe October 25, 2010 at 12:43 pm

    I wish to know my eligibility for housing loan.
    Combined gross salary of me RM4000, 1 car installments total RM700 every month, may I know what else are consider under our commitment? And if we wish to take a house loan about RM300k, are we eligible?

    • Melissa October 27, 2010 at 8:11 am

      Dear Phoebe, thank you for leaving a comment here. Please check your email.thks.

  27. pz October 25, 2010 at 4:57 pm

    hi Melissa, i plan to get a house for 1st time, my basic is 2300, and im paying for my car 750 p/m. How much will be my eligibility for house loan?
    Thanks.
    0129344xxx

    • Melissa October 27, 2010 at 8:11 am

      Thank you for leaving a comment here. Please check your email.thks.

  28. Elaine October 27, 2010 at 4:04 pm

    Hi,

    I plan to buy a house (RM300k)in KL for my 1st home,
    i would like to know my iligibility due to i’m working in singapore and having a S$2500 salary per month.
    i would also like to know the process and procedures (really no idea for it).

    Thanks & Regards,
    Elaine Chung

    • Melissa October 28, 2010 at 4:36 am

      Dear Elaine,

      Thank you for the comment. I already PM you.

  29. Fizz October 28, 2010 at 5:32 pm

    Hi Melissa,

    1] I’m interested to buy a house with a price tag of RM 295k. The developer insisted on 10% d/p, whereas I can only afford 5% of the selling price. Is there any option to sort out this issue i.e 95% bank loan?

    2] How to narrow down my eligibility if my income is not the same every month (depending on the number of days on-site)? My basic salary is RM 3750 and my income ranging from RM 4k to RM 8k every month.

    Contact no: +6019-265xxxx

    • Melissa November 5, 2010 at 11:25 am

      Hi Fizz, thank you for your comment. We already PM you.

  30. faizah October 29, 2010 at 5:51 am

    i’m planning to buy my 1st home with monthly income 2.6k…. my commitment for car rm700 and others around rm300. How much will be my eligibility for house loan?

    • Melissa November 5, 2010 at 11:24 am

      Hi Faizah, thank you for your comment. We already PM you.

  31. Kartz October 30, 2010 at 5:03 pm

    Dear Elaine,

    Buying my first house, looking for loan for RM198k. I am 28yrs and my net pay after deductions are RM5.8k. I am already paying a car installment of RM800. What is the best insurance package you can offer?

    • Melissa November 5, 2010 at 11:23 am

      Hi Kartz, thank you for your comment. We already PM you.

  32. farid November 1, 2010 at 2:17 am

    hi,

    I’m first timer, how to apply housing loan? am I eligible?thanks.

    • Melissa November 5, 2010 at 11:21 am

      Hi Farid, thank you for your comment. We already PM you.

  33. Alya November 1, 2010 at 8:46 am

    Hi..

    I am planning to buy our 1st house in Sepang area.. Me n my husband’s combined salary is 6600.. Our monthly commitment are around RM1k for car and RM500 for investment…

    Appreciate if u can advise me on..
    1. Maximum loan we can apply
    2. the best loan offer
    3. process for EPF withdrawal

    • Melissa November 5, 2010 at 11:21 am

      Hi Alya, thank you for your comment. We already PM you.

  34. Justin November 1, 2010 at 2:02 pm

    If i have a monthly gross salary of RM5000 and 1 car installment RM1000, how much can i borrow? I am looking for a condo at about RM350000. Thanks

    • Melissa November 5, 2010 at 11:19 am

      Hi Justin, thank you for your comment. We already PM you.

  35. anim November 2, 2010 at 1:36 am

    Hi melissa,

    I am planning to buy a house which would cost 610k and n wish to apply joint loan with my husband. Our monthly salary as for me is around rm4900 n for my husband is rm 3700 ( basic n allowance)

    Could u advise me on :

    1. which bank offers the best housing loan package after considering the interest/BLR that they provided?
    2. Maximum amount of house loan, the tenure that we can make with our current salary and age ( 28 and 29rs old) since we really have no idea on the home loan package, procedure and requirement.
    3. What is the meaning of disbursement fees, legal fees, etc that is being associated in applying housing loan and do we have to bear all those cost?
    Appreciate your feedback.

    Thanks amd regards,
    anim
    013338xxxx

    • Melissa November 5, 2010 at 11:19 am

      Hi Anim, thank you for your comment. We already PM you.

  36. win November 2, 2010 at 12:18 pm

    hello,
    1. I want to buy my first house. Since the banks only give 90% loan of the house price, i need to pay for the 10%. Is there any other alternative or any other banks that can give full loan because my savings is not sufficient enough to pay for the 10% downpayment.
    2. Which bank offers the best interest?

    Thanks.

    • Melissa November 5, 2010 at 11:18 am

      Hi Win, thank you for your comment. We already PM you.

  37. Lisa November 8, 2010 at 1:55 am

    Dear Melissa/David,
    I’m single, 29 years olds with basic salary 2.3k,no personal loan and no car loan.
    I’m really need a condo/apartments urgently, most probably move in Dec (Area :manjalara/sri damansara/kepong), and i can provide around 17k for house deposit.
    So,I’m planning to get my first house and dont know how much that i can ask for loan and what house price is suitable for me?
    Please advise me on this, thank you in advance 🙂

  38. Raja November 8, 2010 at 3:25 am

    Hi Melissa,
    I plan to buy house in Bandar Country Home Rawang.
    The property purchased for 190k in 1995-1998.
    The house is intermediate 2stry & its basic unit (without light & fan).
    How much loan I can get for this property.

  39. Noor Nizreen November 10, 2010 at 6:31 am

    Hi,

    I’m very keen to purchase a house costs RM350,000. And my take home salary is RM3,600 a month. I will be 36 years old next year, and would like to know what is the maximum amount that I can loan from any bank, the payment period and monthly payments that I have to make.

    Thank you,
    Nizreen

  40. Sue November 10, 2010 at 1:51 pm

    i just want to check om my eligibility for housing loan. My gross salary RM5000.00 and my monthly commitment is only RM1700 for personal loan. I’m keen to buy 2storey house@RM300K. PLease advise. thanxs…

  41. Nimmie November 16, 2010 at 5:59 am

    Hi, i would like to check with u that both combine salary of mine and my fiancee’s is RM8500. We are actually looking to buy house in a combined account and the house that we planned to buy is RM285k. How much of loan we are eligible to get? Please do advise us. Thanking you in advance for your kind assistance.

  42. Selva November 16, 2010 at 6:09 am

    Hi, I’m looking to buy my 1st house combine account with my wife. And both combine our salary is rm8000.00 and the house that we are planning to buy is rm290k. Do we eligible to get the full amount or we will be only granted 90% of the loan? If possible can we take out our 10% amount frm account 2 KWSP to pay the downpayment. Please advise me as I really got no idea in the housing loan procedures and calculations.

    Thanks.

  43. ned November 19, 2010 at 7:58 am

    hi,

    1. possibility of me for getting full loan / higher loan % with gross salry 5.5k to buy a 300K house? which bank offer the beal deal?

    2. maximum years of housing loan if im 27yrs this yr.

    3. ive commitment of 35% of my salary. in ur opinion, what the ideal/max value shud i pay monthly for buying the house?.

  44. Baihaqi November 30, 2010 at 2:51 pm

    Hi…

    Previously i worked as executive at Bank just for 6months (May2010-Nov2010) with monthly salary RM2.5k.

    I just received offer letter as Pegawai Pendidikan Pengajian Tinggi (Government) with monthly salary+Allowance RM2.8K. But this job still not start yet. Will be start on Jan2011

    My wife income is RM2k/month

    I willing to buy house RM300k 100% loan joint name

    I am qualify to make a housing loan as i not start my job.

  45. robert December 5, 2010 at 7:39 am

    i want to know my eligibility for housing loan.
    If my gross salary rm1500 n my wife is rm1500.car installment rm600 .i’m interested with the house which price is 180k…how can i get loan 100%/90%? since its more than 1/3 of our salary?

  46. fieda December 6, 2010 at 1:57 am

    I am planning to buy a house which would cost 250k and n wish to apply joint loan with my husband. Our monthly salary as for me is around rm3000 n for my husband is also rm 3000 ( basic n allowance)..

    Could u advise me on :

    1. which bank offers the best housing loan package after considering the interest/BLR that they provided?
    2. Maximum amount of house loan, the tenure that we can make with our current salary and age ( 29 and 31 yrs old) since we really have no idea on the home loan package, procedure and requirement.
    3. What is the meaning of disbursement fees, legal fees, etc that is being associated in applying housing loan and do we have to bear all those cost?
    Appreciate your feedback.

  47. angel December 10, 2010 at 1:01 am

    Hi..

    I am planning to buy my 1st house in Johor Bahru area.. My salary is RM5,800.. My monthly commitment are around RM1k for car and other loan…

    Appreciate if u can advise me on..
    1. Maximum loan and monthly installment I can apply (the eligibility for me to apply for housing loan)
    2. the best loan offer
    3. process for EPF withdrawal

  48. Han December 12, 2010 at 11:17 am

    Hi! Me and my gf plan to buy a house before we get married. Her income is 2k+ and my income range from 3k-10k per month depend on my business performance. I read Bout the first house scheme. Are we eligible to buy our first house under the first house scheme and eligible for 100% house loan? Contact number 0135621311

  49. Tonny December 12, 2010 at 5:33 pm

    Hello

    I plan to buy my first house with a range of RM100,000 to RM250,000. My monthly salary is RM3000. My car installment about MYR400 for 9 year.
    1. which bank offers the best housing loan package?
    2. May i know the maximum amount of house loan and house value that i can make with my current salary?
    3. What is the meaning of disbursement fees, legal fees, etc that is being associated in applying housing loan and do we have to bear all those cost?
    4. How the process of EPF withdrawal for 10% downpayment?

    Really appreciate your help and advice. Thank you.

  50. Yorie Voon December 13, 2010 at 2:45 am

    Hi, i got 2 house under my name but 1 is full payment by my father, another is share name with my friend (but he the 1 who make the house loan).
    i would like to ask, if i wan to made a house loan, am i consider 1st time buyer under? the new house is around 70k..can i get full loan?

  51. Syairani December 14, 2010 at 3:19 am

    I’m interested to know regarding the 1st house scheme by the govt and for 100% loan from financial institution. We are eyeing for a landed property that cost RM350k.

  52. Kumar December 14, 2010 at 3:34 am

    Hi Melisa,

    I am looking for a home in penang.I have found few but need to know what will be my monthly expenses and how much am i eligible for.As i have read the question posted,mine is almost similar but just adding on that my salary is 2900 and adding my mom’s salary together with me.I am interested in a hse that is about 200k to 350k.Pls advice on the procedures,what would my monthly expense will be like and what other expenses will occur as well on how much i am eligible for?

  53. CHRISTY THAM December 14, 2010 at 6:11 am

    i want to know my eligibility for housing loan.
    my gross salary n my husband is RM6500. how much will be my eligibility? am i eligible? and how much i need to spend monthly?

  54. tarmizi December 14, 2010 at 2:55 pm

    hai melissa,
    i’m looking fwd to make a bank loan about 200k.my net salary after deduction from list below is 2.5k. how much maximum bank loan i can apply with my commitments:
    1. asb loan rm 1000 per-month (maybank&cimb)
    2. car rm 650 (ambank)

  55. Josh Lai December 15, 2010 at 2:46 pm

    hello,

    My current income is base on my basic RM 2.6K + fixed monthly allowance RM 600, Age of 25 years old, i don’t have any commitment except need to pay my ptptn loan, would i be able to get loan say 90% of 350k for housing loan?

  56. nur December 16, 2010 at 3:11 pm

    hi melissa
    i’m planning to buy my 1st home of 2choices
    1)165k
    2)230k

    With monthly income 3k. my commitment only for car RM650.
    How much will be my eligibility for house loan?

  57. zila December 17, 2010 at 4:24 am

    Hi,
    just want to know if combined salary i & husband around 4500 monthly..how much i can borrow a loan? monthly exps include car & rental house is 1000..please advice i wantto buy own house hopefully landed..thanks

  58. farzana December 19, 2010 at 1:53 pm

    hye my salary rm2600 so i just want what kind of property eligible for me and if rm350k would it be okay..i’m planning to joint with my brother but now he’s not permanent yet until march so can i buy property more than rm350k? this is my 1st house

  59. Sasi December 20, 2010 at 8:50 am

    I am 25 now and gonna buy my first house. My basic salary is RM 2800,May I know if I’m eligible for landed property at RM250-320K?Is it possible to get 95% loan?

  60. Liew December 27, 2010 at 8:03 am

    Hi Melissa,

    I’m planning to buy a house (first house) with price around 300k. My joint salary with my wife is around RM5000 per month. I would like to know my affordability, types of loans availables and current BLR rate? Do I available to borrow 100% loan?

  61. hafiz December 27, 2010 at 8:41 am

    hye..

    1. i wanna buy a new house,my 1st house. how much loan i can get if my:

    a. my monthly salary is rm 6200.
    b. my wife monthly salary is rm 5300.
    c. i’ve car’s loan on 5th years monthly rm 650.
    d. my wife car’s loan monthly rm 1350.

    im interested to buy a new house in putrajaya price rm 608,000 but i want to make a loan around rm 500,000 only.both of us is 26yrs old.

    0193893927

  62. Miss Mila December 28, 2010 at 8:01 am

    Hello..I have same questions as Tony with some changes in details:

    I plan to buy my first house with a range of RM100,000 to RM250,000. Both my husband’s and my monthly salary is RM2800 equal to total of RM5600. My car installment about MYR640 for 9 year.
    1. which bank offers the best housing loan package?
    2. May i know the maximum amount of house loan and house value that i can make with my current salary?
    3. What is the meaning of disbursement fees, legal fees, etc that is being associated in applying housing loan and do we have to bear all those cost?
    4. How the process of EPF withdrawal for 10% downpayment?

    Really appreciate your help and advice too. Thank you.

  63. Asmalini January 2, 2011 at 3:20 pm

    Hi,
    I’m going to buy my 1st house soon,my nett salary is RM2100-2300. I don’t have any car or any loan so far. The property that I’m gonna buy worth RM130k. Can I to get full loan as my saving is not enough to pay 10% down payment? which bank offer best interest? and how much would my installment be? Besides,is there any additional cost like lawyer fee etc. how much?

    Thank you so much for your advice

    • Melissa January 6, 2011 at 3:26 pm

      Dear Asmalini,

      I had PM u.TQ.

  64. Vincent January 5, 2011 at 4:13 am

    my take home pay is rm6900 wif a car loan of rm2900. what sort of a housing loan am i eligible?

  65. Vincent January 5, 2011 at 4:15 am

    tq

  66. Vincent January 5, 2011 at 4:18 am

    my take home pay is rm6900 wif a car loan of rm2900. what sort of a housing loan am i qualified for?

    • Melissa January 6, 2011 at 3:20 pm

      Hi Vincent,

      I had PM you.tQ.

  67. linda January 7, 2011 at 8:20 am

    #

    i want to know my eligibility for housing loan.
    my gross salary 1470 n my husband is 2400. how much will be my eligibility? i’m interested with the house which price is 130,000. am i eligible?and how much i need to spend monthly?

    • Melissa January 10, 2011 at 1:54 pm

      Hi Linda, i already PM you.TQ

  68. linda January 7, 2011 at 8:25 am

    Hello

    I plan to buy my first house with a range of RM100,000 to RM150,000. My monthly salary is RM1470 and my husband RM2400. My car installment about MYR290 for 9 year and my husband rm930 for 9 years.
    1. which bank offers the best housing loan package?
    2. May i know the maximum amount of house loan and house value that i can make with my current salary?
    3. What is the meaning of disbursement fees, legal fees, etc that is being associated in applying housing loan and do we have to bear all those cost?
    4. How the process of EPF withdrawal for 10% downpayment?

    Really appreciate your help and advice. Thank you.

    • Melissa January 10, 2011 at 1:55 pm

      Hi norhaslinda, i already PM you.TQ

  69. Mala January 8, 2011 at 9:57 am

    Hi,
    I would like to buy a house, do you know the lawyer fees for Bank and S&P? I just got to know a lot of cases of overcharging. Hopefully i can get the baseline value from expert. Thanks.

    • Melissa January 10, 2011 at 1:53 pm

      Hi Mala, i already PM you.TQ

  70. lee January 9, 2011 at 4:02 pm

    hi,

    i earn about RM4300 take home pay and my wife earns 2300 take home pay as well. if we are looking at a rm 540k house, are we eligible? the loan should be at a 90% + 5% MRTA. thanks

    • Melissa January 10, 2011 at 1:52 pm

      Hi Lee, i already PM you.TQ

  71. Shann January 10, 2011 at 2:08 am

    Hello..

    I am planning to buy my first house. My net income is RM2100/mth and I am 30 now. Currently, I have:
    1. Study Loan ~RM400/mth
    2. ASB Loan ~RM400/mth

    Can you please advise:
    1. What is my affordability range on landed properties in Seremban?
    2. How much loan I am eligible to get?
    3. What are the others fees/charges that I need to pay (that might not covered by the housing loans – if any)?

    Thank you.

    • Melissa January 10, 2011 at 1:52 pm

      Hi Shan, i already PM you.TQ

  72. Viji January 11, 2011 at 1:50 am

    Hello

    Hi,

    I’m a first time home buyer and I’m interested to buy a house costing at RM200,000. My monthly salary is RM3,000.
    1. which bank offers the best housing loan package?
    2. May i know the maximum amount of house loan and house value that i can make with my current salary?
    3. What is the meaning of disbursement fees, legal fees, etc that is being associated in applying housing loan and do we have to bear all those cost?
    4. How the process of EPF withdrawal for 10% down payment?

    Thanks.

    • Melissa January 16, 2011 at 3:42 pm

      Dear Viji, I already PM you.TQ.

  73. Saiful January 11, 2011 at 2:09 am

    Hi there,im planning to purchase a house in Rawang before March this year. It is a completed property and the owner is selling it around RM285,000.
    Im 31 this year and my basic income is RM5,500 plus monthly allowances around RM1,500 per month. others commitments i have now is my car loan and credit card.
    Can you please advise:
    1. Can i afford the house?
    2. How much loan I am eligible to get?
    3. What are the others fees/charges that I need to pay (that might not covered by the housing loans – if any)?
    Thanks
    Saiful:

  74. nat January 11, 2011 at 11:11 am

    Hi…

    My salary is RM2800 after EPF decution and my husband is an interior designer with his own registered company(enterprise) ….roughly income will be 5K per month, but my husband dont have proper documentation for his salary, no epf, no income tax, so how we can go for home loan..how much loan we can go? Monthly commitment only car RM650, under my husband name, my credit card and his credit card,

    • Melissa January 16, 2011 at 3:39 pm

      Dear Nat, I already PM you.TQ.

  75. myya January 12, 2011 at 11:47 am

    Good day,
    Hi,
    I plan to buy my first house at rawang price Rm70k(already completed) but I want to make house loan RM100k.Is it possible for me to do so? Extra 30k will be use for renovation,furniture etc.Furthermore, is it possible to get 100% house loan as per RMK-10?

    FYI, my monthly salary is RM1900 w/out other commitment.

    • Melissa January 16, 2011 at 3:37 pm

      Dear Myya, I already PM you.TQ.

  76. HafizIskandar January 13, 2011 at 1:47 am

    Hi Melissa,

    I’m earning RM 3500 p/month (private sectors) and my wife’s RM2300 p/month (government servant). I’m paying RM1250 for my car and my wife’s paying RM500 for hers. Other than that we don not have anymore loan to pay except monthly house bills, ASB Loan and house rent which is RM550 p/month. We don’t have any problems with credit cards. So, how much could we get from banks to buy our first house? I am 30 this year and how long could i get the loan? Thanks

    • Melissa January 16, 2011 at 4:21 pm

      Dear hafiz, I already PM you.TQ.

  77. LWF (^_^) January 13, 2011 at 2:05 pm

    Hello!

    I wish to know my eligibility for housing loan.
    My hubby and I is the first time home buyer and our budget for the house is max RM250k.
    Our combined gross salary is approximately RM5k-RM6k, 1 car installment total RM580/month.

    1) May I know whether we eligible?
    2) How much is the monthly instalment if we pay RM30k for down payment?
    3) what is the maximum period we eligible for the house loan instalment(as now my husband is 30 years & me is 26 years)?

    Hope you able to advise me.
    Thanks a lot.

    • Melissa January 16, 2011 at 4:17 pm

      Dear lwf, I already PM you.TQ.

  78. Asmalini February 3, 2011 at 3:47 pm

    Re:
    Hi,
    I’m going to buy my 1st house soon,my nett salary is RM2100-2300. I don’t have any car or any loan so far. The property that I’m gonna buy worth RM130k. Can I to get full loan as my saving is not enough to pay 10% down payment? which bank offer best interest? and how much would my installment be? Besides,is there any additional cost like lawyer fee etc. how much?

    Sorry, I didn’t get any replies in my inbox, could you send one more time to me? Here is my email addres: as_angie@yahoo.com
    tqvm..

  79. Irah February 18, 2011 at 9:15 am

    Hye,

    I’m interested to buy my 1st house.my nett salary is RM1740.i don’t have any commitment except my personal loan RM200. My question is

    1. How much is the price of house i’m eligible to buy? (Am i eligible to buy a house worth RM170K?
    2. Can I to get full loan as my saving is not enough to pay 10% down payment?
    3.What is the 1st move actually? I’m worry to call any owner or agent to deal the process as i’m worry if my home loan unsuccessful.

Comments are closed.