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楼主 |
发表于 8-5-2009 06:09 PM
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发表于 11-5-2009 08:13 PM
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上次在另一个贴有问过,
不过很像有懂又没有懂酱,
所以我再问一次...
如果我有间供完了的屋子,
要拿去抵押然后借钱出来,
这叫refinance还是overdraft??
需要什么资料/条件吗?
之前HSBC的说过什么只要IC就可以接50% of Property market value
有资料就可以借到80%
这样贷款的package和一般买屋子的一样也是走convention/flexi loan吗?
利率也是一样? |
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发表于 11-5-2009 09:37 PM
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回复 342# 纸鹤 的帖子
你可以refinance拿overdraft,flexi loan or conventional loan
不然就当作cash out
现在市场很红的，土族很多做refinance,来cash out 钱来买ASM等的储蓄，他们有的拿flexi 有的semi flexi，不过，没有时常拿钱出来的，就拿conventional loan 比较好咯 |
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楼主 |
发表于 11-5-2009 10:58 PM
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发表于 12-5-2009 08:25 PM
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卡帖....................... |
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发表于 13-5-2009 11:56 AM
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刚刚PM你了，请查看。。。 |
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楼主 |
发表于 15-5-2009 01:32 PM
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在以下银行可以 Print EPF Statements
最近才发现银行也可以 Print EPF 的，Outdate 了。。。
Public Bank
Offices Address
Public Bank Taman
Melaka Raya
566, 567 & 568,
Jalan Merdeka,
Taman Melaka Raya,
75000 Melaka
Days: Mondays – Sundays
Time: 7.30 am – 9.00 pm
Closed on second Saturday of every month.
Public Bank Kota Kinabalu
Lot G,1 & 1.1,
Menara MAA,
6 Lorong Api-Api 1,
Api-Api Centre,
88000 Kota Kinabalu, Sabah
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Time: 7.30 am – 9.00 pm
Closed on second Saturday of every month.
Public Bank Seremban
44-46, Jln Dato Lee Fong Yee,
70000 Seremban,
Negeri Sembilan
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Time: 7.30 am – 9.00 pm
Closed on second Saturday of every month.
Public Bank Pulau Pinang
87, Lebuh Bishop,
10200 Pulau Pinang
Days: Mondays – Sundays
Time: 7.30 am – 9.00 pm
Closed on second Saturday of every month.
Public Bank Prai
2684 & 2685,
Jln Chain Ferry,
Tmn Inderawasih,
13600 Prai, Pulau Pinang
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Closed on second Saturday of every month.
Public Bank Kuantan
79-85, Jln Haji Abdul Aziz,
25000 Kuantan, Pahang
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Time: 7.30 am – 9.00 pm
Closed on second Saturday of every month.
Public Bank Ipoh
133, 133A-D,
Jln Dato Lau Pak Khuan,
Ipoh Garden, 31400 Ipoh
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Time: 7.30 am – 9.00 pm
Closed on second Saturday of every month.
Public Bank Alor Setar
1557, Jln Kota,
05000 Alor Setar,
Kedah
Days: Mondays – Sundays
Time: 7.30 am – 9.00 pm
Closed on second Saturday of every month.
Public Bank Johor Bahru
G1 & G2, Wisma Daiman,
64 Jln Sulam, Tmn Sentosa,
80150 Johor Bahru, Johor
Days: Mondays – Fridays
Time: 9.30 am – 4.00 pm
Closed on Saturdays, Sundays and Public Holidays.
Public Bank Taman
Tun Dr Ismail
66, 68 & 70,
Jln Burhanuddin Helmi,
Tmn Tun Dr Ismail,
60000 Kuala Lumpur
Days: Mondays – Sundays
Time: 7.30 am – 9.00 pm
Closed on second Saturday of every month.
Public Bank Klang
69 & 71, Jln Batu Nilam 1,
Bdr Bukit Tinggi,
41200 Klang, Selangor
Days: Mondays – Sundays
Time: 7.30 am – 9.00 pm
Closed on second Saturday of every month.
Public Bank Cheras
1,3 & 5, Jln 4/96A,
Tmn Cheras Makmur,
56100 Kuala Lumpur.
Days: Mondays – Sundays
Time: 7.30 am – 9.00 pm
Closed on second Saturday of every month.
Public Bank Bangsar
36 & 38,
Jln Maarof, Bangsar,
59100 Kuala Lumpur
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Time: 7.30 am – 9.00 pm
Closed on second Saturday of every month.
Public Bank Jalan Ampang
Ground Floor,
Menara Public Bank,
146 Jln Ampang,
50450 Kuala Lumpur
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Time: 7.30 am – 9.00 pm
Closed on second Saturday of every month.
CitiBank
Offices Address
Citibank Jalan Ampang
Menara Citibank,
165, Jalan Ampang,
50450 Kuala Lumpur.
Days: Mondays – Fridays
Time: 8.00 am – 8.00 pm
Citibank Puchong
26, Jalan Puteri 1/1,
Bandar Puteri,
47100 Puchong,
Selangor.
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Time: 9.30 am – 4.00 pm
Citibank Klang
G101, Centro,
8, Jalan Batu Tiga Lama,
Kampong Bukit Kuda,
41300 Klang,
Selangor.
Days: Mondays – Fridays
Time: 8.00 am – 8.00 pm
Citibank Penang
42, Jalan Sultan Ahmad Shah,
10050 Penang.
Days: Mondays – Fridays
Time: 8.00 am – 8.00 pm
Citibank Johor
City Plaza,
21 Jalan Tebrau,
80300 Johor Bahru.
Days: Mondays – Fridays
Time: 8.00 am – 8.00 pm
CIMB
Offices Address
CIMB Bank Jalan Sagunting
1st & 2nd Floor Central Building,
Jalan Sagunting,
88000 Kota Kinabalu,
Sabah.
Days: Mondays – Thursdays
Time: 9.15 am – 4.45 pm
Days: Fridays
Time: 9.15 am – 4.15 pm
CIMB Bank Jalan Satok/Kulas
Lot 1.1,
Bangunan Satok,
Jalan Satok/Kulas,
93400 Kuching,
Sarawak.
Days: Mondays – Thursdays
Time: 9.15 am – 4.45 pm
Days: Fridays
Time: 9.15 am – 4.15 pm
CIMB Bank Jalan Segget
Bangunan Umno,
51, Jalan Segget,
80000 Johor Bharu,
Johor.
Days: Mondays – Thursdays
Time: 9.15 am – 4.45 pm
Days: Fridays
Time: 9.15 am – 4.15 pm
CIMB Bank Jalan Mahsuri
32, Jalan Mahsuri,
Bandar Bayan Baru,
11950 Pulau Pinang.
Days: Mondays – Thursdays
Time: 9.15 am – 4.45 pm
Days: Fridays
Time: 9.15 am – 4.15 pm
CIMB Bank Jalan Tunku Ibrahim
1583, Bangunan Umno,
Jalan Tunku Ibrahim,
05000 Alor Setar,
Kedah.
Days: Mondays – Thursdays
Time: 9.15 am – 4.45 pm
Days: Fridays
Time: 9.15 am – 4.15 pm
CIMB Bank Jalan Bank
Bangunan BCB,
Lot 32, Jalan Bank,
25000 Kuantan,
Pahang.
Days: Mondays – Thursdays
Time: 9.15 am – 4.45 pm
Days: Fridays
Time: 9.15 am – 4.15 pm
CIMB Bank Jalan Tun Perak
6 Jalan Tun Perak
50050 Kuala Lumpur
Days: Mondays – Thursdays
Time: 9.15 am – 4.45 pm
Days: Fridays
Time: 9.15 am – 4.15 pm
CIMB Bank Wisma
Consplant Subang Jaya
West Wing Wisma Consplant
7 Jalan SS 16/1,
Subang Jaya,
47500 Petaling Jaya,
Selangor.
Days: Mondays – Thursdays
Time: 9.15 am – 4.45 pm
Days: Fridays
Time: 9.15 am – 4.15 pm
CIMB Bank Jalan Dato Hamzah
Ground & 1st Floor Wisma Southern,
No 26 – 34 Jalan Dato Hamzah,
41000 Klang,
Selangor.
Days: Mondays – Thursdays
Time: 9.15 am – 4.45 pm
Days: Fridays
Time: 9.15 am – 4.15 pm
CIMB Bank Jalan Dato Bandar Tunggal
Seremban
1A Wisma Dewan Perniagaan Melayu N.Sembilan,
Jalan Dato’ Bandar Tunggal,
70000 Seremban,
Negeri Sembilan.
Days: Mondays – Thursdays
Time: 9.15 am – 4.45 pm
Days: Fridays
Time: 9.15 am – 4.15 pm
National Heart Institute
Offices Address
National Heart
Institute
145, Jalan Tun Razak,
50400 Kuala Lumpur,
Malaysia.
Days: Mondays – Fridays
Time: 8.15 am – 5.15 pm
Days: Saturdays
Time: 8.15 am – 2.00 pm
RHB Islamic
Offices Address
RHB Islamic Batu
Pahat
Ground Floor, No.1 & 2
Jalan Flora Utama 1
Taman Flora Utama
83000 Batu Pahat
Days: Mondays – Fridays
Time: 7.30 am – 9.00 pm
RHB Islamic Bank
Jalan Pinang,
UOA Centre,
Jalan Pinang,
50450 Kuala Lumpur.
Days: Mondays – Fridays
Time: 7.30 am – 9.00 pm
RHB
Offices Address
RHB Bank New Town,
PJ
1, 3 & 5, Jalan 52/18,
New Town Centre,
46200 Petaling Jaya,
Selangor.
Days: Mondays – Fridays
Time: 9.30 am – 4.00 pm
RHB Bank KLCC
Lot G-34,
Ground Level Petronas Twin Towers,
Kuala Lumpur City Centre,
50088 Kuala Lumpur.
Days: Mondays – Fridays
Time: 10.00 am – 6.00 pm
RHB Bank Kuala Lumpur Main
Level 1, Tower Two RHB Centre,
426, Jalan Tun Razak,
50400 Kuala Lumpur.
Days: Mondays – Fridays
Time: 9.30 am – 4.00 pm
RHB Bank Jalan Telok Sisek
45, Jalan Telok Sisek,
25000 Kuantan,
Pahang.
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Time: 9.30 am – 4.00 pm
RHB Bank Lebuh Pantai
44, Lebuh Pantai,
Georgetown,
10300 Pulau Pinang.
Days: Mondays – Fridays
Time: 9.30 am – 4.00 pm
RHB Bank Johor
Bahru City Square
Lot J1-22 & J2-31 Level 2,
Johor Bahru City Square,
106 & 108 Jalan Wong Ah Fook,
80000, Johor Bahru.
Johor.
Days: Mondays – Fridays
Time: 9.30 am – 4.00 pm
RHB Bank Jalan Hang Tuah
477 Plaza Melaka,
Jalan Hang Tuah,
75300 Melaka.
Days: Mondays – Fridays
Time: 9.30 am – 4.00 pm
RHB Bank Jalan Gaya
81/83, Jalan Gaya,
88000 Kota Kinabalu,
Sabah.
Days: Mondays – Fridays
Time: 9.30 am – 4.00 pm
RHB Bank Jalan Padungan
256, Jalan Padungan,
93100 Kuching,
Sarawak.
Days: Mondays – Fridays
Time: 9.30 am – 4.00 pm
RHB Bank Jalan Tun Sambanthan
Lot 2, 4, 6 & 8,
Jalan Tun Sambanthan,
30000 Ipoh,
Perak.
Days: Mondays – Fridays
Time: 9.30 am – 4.00 pm
AmBank
Offices Address
AmBank Ipoh – Jalan Yang Kalsom
42-44 Jalan Yang Kalsom,
30250, Ipoh
Perak Darul Ridzuan
Days: Mondays – Thurdays
Time: 9.00 am – 4.30 pm
Days: Fridays
Time: 9.00 am – 5.00 pm
AmBank Kota Bharu
Tingkat Bawah dan Satu, Lot 343
Seksyen 13, Jalan Sultan Ibrahim
15000, Kota Bharu, Kelantan
Days: Sundays – Wednesdays
Time: 9.00 am – 4.30 pm
Days: Thursday
Time: 9.00 am – 4.00 pm
Days: Fridays
Time: 9.00 am – 12.30 pm
Close during first Friday of every month
AmBank Kuala Lumpur – Jalan Pudu
AmBank (M) Berhad
Ground Floor Wisma AmBank
113 Jalan Pudu,
55100 Kuala Lumpur
Days: Mondays – Thurdays
Time: 9.00 am – 4.30 pm
Days: Fridays
Time: 9.00 am – 4.00 pm
AmBank Petaling Jaya
- Jalan SS2/61
AmBank (M) Berhad
No 30, 32 & 34 Jalan SS2/61
47300 Petaling Jaya
Selangor
Days: Mondays – Thurdays
Time: 9.00 am – 4.30 pm
Days: Fridays
Time: 9.00 am – 4.00 pm
AmBank Melaka -
Jalan Munshi Abdullah
AmBank (M) Berhad
No. 154 & 156
Kompleks Munshi Abdullah
Jalan Munshi Abdullah
75100 Melaka
Days: Mondays – Thurdays
Time: 9.00 am – 4.30 pm
Days: Fridays
Time: 9.00 am – 4.00 pm
AmBank Kota Kinabalu – Jalan
Sagunting
AmBank (M) Berhad
G1-G3, Bangunan Uni-Asia
No. 1, Jalan Sagunting
88816, Kota Kinabalu, Sabah
Days: Mondays – Thurdays
Time: 8.45 am – 4.15 pm
Days: Fridays
Time: 8.45 am – 3.45 pm
AmBank Kuching -
Jalan Haji Taha
AmBank (M) Berhad
Lot 257, Seksyen 8, Jalan Haji Taha
93400, Kuching, Sarawak
Days: Mondays – Thurdays
Time: 8.45 am – 4.15 pm
Days: Fridays
Time: 8.45 am – 3.45 pm
AmBank Johor Bahru
- Metropolis Tower
AmBank (M) Berhad
Ground & Mezzanine Floor
Metropolis Tower, Jalan Abdullah Tahir
80300 Johor Bahru
Days: Mondays – Thurdays
Time: 9.00 am – 4.30 pm
Days: Fridays
Time: 9.00 am – 4.00 pm
AmBank Penang - MBF Tower
AmBank (M) Berhad
No. 53, MBF Tower
Jalan Sultan Ahmad Shah
10050, Penang
Days: Mondays – Thurdays
Time: 9.00 am – 4.30 pm
Days: Fridays
Time: 9.00 am – 4.00 pm
AmBank Kuala
Lumpur – Jalan Yap Kwan Seng
AmBank (M) Berhad
Level 1, Menara AmBank
No. 8, Jalan Yap Kwan Seng
50450, Kuala Lumpur
Days: Mondays – Thurdays
Time: 9.00 am – 4.30 pm
Days: Fridays
Time: 9.00 am – 4.00 pm |
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发表于 15-5-2009 02:57 PM
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ｐｒｏｐｅｔｙ ａｇｅｎｔ， 最近在ｋｌ 混得怎样？还好吗？
想问下：
如果买多一间，不是出租，是自住的．那要多少薪水才够？
比如已经贷款了２００ 千，看中的产业需贷款２５０ 千．总贷款 ＝４５０ 千
第一间的供期 ＝ ｒｍ ９００， 第二间１２００
＝ ２１００
是不是一定要赚 ２１００ ｘ ３ ＝ ６１００ 才可以符合贷款资格呢？
个人薪金如果接近５０００。第一间ｐｒｏｖｉｄｅ 一份租约，租金大概８００。那么他有条见买第二间产业并贷款２５０千吗？ |
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楼主 |
发表于 15-5-2009 03:12 PM
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原帖由 pipi88 于 15-5-2009 02:57 PM 发表 
ｐｒｏｐｅｔｙ ａｇｅｎｔ， 最近在ｋｌ 混得怎样？还好吗？
想问下：
如果买多一间，不是出租，是自住的．那要多少薪水才够？
比如已经贷款了２００ 千，看中的产业需贷款２５０ 千．总贷款 ＝４５ ...
KL 的人没有 Penang 般纯朴
不喜欢这里的工作环境，但现实就是这样。。。
收入扣了 EPF 和两间屋子 = RM 2400
假设没有供车那些，有 80% 可以批咯
有租约，Saving，FD，Unit Trust or Shares 的话
那么就 95% 可以批啦！ Pipi = 批批
[ 本帖最后由 PropertyAgent 于 15-5-2009 03:18 PM 编辑 ] |
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发表于 15-5-2009 03:47 PM
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卡贴。。。。。。 卡贴。。。。
[ 本帖最后由 pipi88 于 15-5-2009 04:02 PM 编辑 ] |
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发表于 15-5-2009 04:00 PM
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发表于 15-5-2009 05:14 PM
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我最近也是刚申请中廉价屋RM80K，想多了解现在银行有些什么配套？ |
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发表于 15-5-2009 05:56 PM
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请问现在银行有些什么最新配套吗？我刚申请一间RM80K 的中廉价屋（没地的）。 |
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发表于 15-5-2009 05:57 PM
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卡贴。。卡贴了。。。。。。。。。。。 |
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发表于 15-5-2009 07:11 PM
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原帖由 cola_ice 于 15-5-2009 05:56 PM 发表 
请问现在银行有些什么最新配套吗？我刚申请一间RM80K 的中廉价屋（没地的）。
100K以下的利息都会比较高 |
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发表于 15-5-2009 07:22 PM
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原帖由 PropertyAgent 于 11-5-2009 10:58 PM 发表
好像有问过了
clean property 贷款，好像叫 remortgage
从一个贷款换去另一个，好像叫 refinance
不过名字不重要~
贷款方面和普通的没有两样
还是把产业拿去抵押，然后借 90%
HSBC 是可以用 IC 就可以 ...
是米有问题, 可是你要有排等咯~哈哈
CIMB有FULL FLEXI的PACKAGE吗?
我是觉得HSBC是我比较起来最喜欢的,
而且简单易懂(其实我也只去过OCBC,HSBC和PBB而已~哈) |
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发表于 15-5-2009 07:49 PM
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我就写写银行怎样批贷款
（每间银行的制度不一样，我是以 CxMB 来说）
如果贷款者是打工人士
有Payslips（最好薪水进银行的），有EPF，有Income Tax
这样的贷款很容易被批（如果收入够的话），只要看 CCRIS Records 就可以了
*CCRIS 是信用记录，好像房屋贷款，汽车贷款，信用卡，私人贷款都可以看得一清二楚
例子一：
贷款者收入RM2000，贷款RM130,000，30年，月供RM690（34.5%）
如果没有其他的 Commitments，这个贷款在很多银行都可以Approved
贷款者收入RM2000，贷款RM130,000，30年，月供RM690（34.5%）
请问如何算才得到RM690这个数目字？
我想知道算法， 请问能不能帮我一下 |
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楼主 |
发表于 16-5-2009 12:08 PM
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发表于 16-5-2009 03:16 PM
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发表于 16-5-2009 03:24 PM
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对不起，刚才用到了别人的ID...
这是我的问题：
上个星期，我向HxNG LExNG申请了房屋贷款。。。
Banker说现在他们有Promotion， FMC =BLR -2% ，我的屋价Market Value, RM145K, 意思是我可以借到RM130,500, 月供RM603, 符合我的要求 （不必付10%头期，又有一点点现金可以装修）
昨天，Banker打了通电话来，告诉我，我不能申请到90%的贷款，只能85%。。。
原因是利息的关系。。。他这样告诉我
他说，屋价可以提高至RM150K, 我可以借贷85% =RM127,500 ，
问题是这样我的供期就会多了一些些 ，是吗？
我该不该接受这个建议呢？
还是应该去试试别间银行？ |
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懂什么是 refinance 吗？
:@ 
2466 
72
