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DRpika · 发表于 26-11-2009 01:25 AM

本帖最后由 DRpika 于 26-5-2010 01:15 AM 编辑

问题已解决，谢谢

5876tct · 发表于 26-11-2009 12:00 PM

原帖由 DRpika 于 26-11-2009 01:25 AM 发表
嗨，小的新婚想在明年买房子，新手有些问题想请教各位大大。。。

1. 小妹和老公的薪水加起来5.5k(还没扣epf 和tax) , 只有ptptn loan, 没有车贷或卡债, maximum 可以贷款到多少？现在哪一个银行的配套 ...

很多bank都接受供期在薪水50%以下D
多数bank 都借90%屋價
不同D发展商不同D service,,,,,所以妳要check过先
the heritage 附近有许多town house,teres 和 condo 到現场走走先吧

cyng · 发表于 26-11-2009 01:35 PM

1. maximum 贷款大多数的银行是 - 1/3 OF YOUR NETT SALARY.
I. e - TOTAL NETT SALARY = RM4,500
1/3 OF YOUR SALARY = RM1,500 (YOUR MAX LOAN)
这只是粗略的算法.
而你可以负担的屋价是大约RM370,000 (BASED ON 3.75% INTEREST)
以下的LINK, 你可以看看
http://www.home-loan-expert.net/ ... r/calc.html#results

2. 银行100%贷款，很少. 90% 就很普遍.
以你的例子 -
SELLING PRICE - RM385,000
贷款(90%) - RM346,500
利息 @ BLR - 1.8% (5.55% - 1.8% = 3.75%)
30年分期付款每个月要还 - RM1,604 (这贷款没有加如MRTA)
这只是粗略的算法.

3. service appartment 的地契是COMMERCIAL, 普通的appartment 的地契是RESIDENTIAL. 门牌税,地税, 水电费是以COMMERCIAL RATE 来算的. 当然有些DEVELOPER 会把它CONVERT 去RESIDENTIAL. 需要跟DEVELOPER CONFIRM.

4. 自己可以看以下的LINK 来找
www.iproperty.com.my
www.thinkproperty.com.my
star-space.com

mingshi · 发表于 26-11-2009 09:15 PM

cyng 讲很清楚了

p3nang · 发表于 19-1-2010 11:02 PM

回复 1# DRpika

找到你心意的房子了吗？

holoen · 发表于 20-1-2010 11:19 AM

回复 3# cyng

2. 银行100%贷款，很少. 90% 就很普遍.
以你的例子 -
SELLING PRICE - RM385,000
贷款(90%) - RM346,500
利息 @ BLR - 1.8% (5.55% - 1.8% = 3.75%)
还30年。

搂住，想借用你的贴。。。

这样的话，今年BLR5.55%，如果明年BLR=6.55，后年BLR=7.55，那条数是酱子算吗？

holoen · 发表于 20-1-2010 11:22 AM

回复 3# cyng

今年（blr=5.55）interest rate= BLR-1.8=3.75

Property Price
Loan Amount	$346,500.00
Ineterest Rate	3.75%
Loan Tenure	30

Year No.	Month No.	Date	Principal Paid	Interest Paid	Customized Payment		Customized Interest		Monthly Installment	Balance Remaining
					Your input	Value used	Your input	Value used
1	1	Jan-10	$521.88	$1,082.81		$1,604.70		3.75%	$1,604.70	$345,978.12
	2	Feb-10	$523.51	$1,081.18		$1,604.70		3.75%	$1,604.70	$345,454.60
	3	Mar-10	$525.15	$1,079.55		$1,604.70		3.75%	$1,604.70	$344,929.45
	4	Apr-10	$526.79	$1,077.90		$1,604.70		3.75%	$1,604.70	$344,402.66
	5	May-10	$528.44	$1,076.26		$1,604.70		3.75%	$1,604.70	$343,874.22
	6	Jun-10	$530.09	$1,074.61		$1,604.70		3.75%	$1,604.70	$343,344.14

holoen · 发表于 20-1-2010 11:23 AM

回复 3# cyng

7	Jul-10	$531.75	$1,072.95	$1,604.70	3.75%	$1,604.70	$342,812.39
8	Aug-10	$533.41	$1,071.29	$1,604.70	3.75%	$1,604.70	$342,278.98
9	Sep-10	$535.07	$1,069.62	$1,604.70	3.75%	$1,604.70	$341,743.91
10	Oct-10	$536.75	$1,067.95	$1,604.70	3.75%	$1,604.70	$341,207.17
11	Nov-10	$538.42	$1,066.27	$1,604.70	3.75%	$1,604.70	$340,668.74
12	Dec-10	$540.11	$1,064.59	$1,604.70	3.75%	$1,604.70	$340,128.64

holoen · 发表于 20-1-2010 11:24 AM

回复 3# cyng

明年（BLR=6.55）interest rate= BLR-1.8=4.75

Property Price
Loan Amount	$340,128.64
Ineterest Rate	4.75%
Loan Tenure	29

holoen · 发表于 20-1-2010 11:24 AM

本帖最后由 holoen 于 20-1-2010 11:27 AM 编辑

回复 3# cyng

Year No.	Month No.	Date	Principal Paid	Interest Paid	Customized Payment		Customized Interest		Monthly Installment	Balance Remaining
					Your input	Value used	Your input	Value used
2	1	Jan-11	$455.74	$1,346.34		$1,802.08		4.75%	$1,802.08	$339,672.90
	2	Feb-11	$457.54	$1,344.54		$1,802.08		4.75%	$1,802.08	$339,215.36
	3	Mar-11	$459.35	$1,342.73		$1,802.08		4.75%	$1,802.08	$338,756.01
	4	Apr-11	$461.17	$1,340.91		$1,802.08		4.75%	$1,802.08	$338,294.84
	5	May-11	$463.00	$1,339.08		$1,802.08		4.75%	$1,802.08	$337,831.84
	6	Jun-11	$464.83	$1,337.25		$1,802.08		4.75%	$1,802.08	$337,367.02

holoen · 发表于 20-1-2010 11:25 AM

本帖最后由 holoen 于 20-1-2010 11:35 AM 编辑

回复 3# cyng

7	Jul-11	$466.67	$1,335.41	$1,802.08	4.75%	$1,802.08	$336,900.35
8	Aug-11	$468.52	$1,333.56	$1,802.08	4.75%	$1,802.08	$336,431.83
9	Sep-11	$470.37	$1,331.71	$1,802.08	4.75%	$1,802.08	$335,961.46
10	Oct-11	$472.23	$1,329.85	$1,802.08	4.75%	$1,802.08	$335,489.23
11	Nov-11	$474.10	$1,327.98	$1,802.08	4.75%	$1,802.08	$335,015.13
12	Dec-11	$475.98	$1,326.10	$1,802.08	4.75%	$1,802.08	$334,539.15

holoen · 发表于 20-1-2010 11:25 AM

回复 3# cyng

后年（BLR=7.55）interest rate= BLR-1.8=5.75

Property Price
Loan Amount	$334,539.15
Ineterest Rate	5.75%
Loan Tenure	28

holoen · 发表于 20-1-2010 11:26 AM

本帖最后由 holoen 于 20-1-2010 11:38 AM 编辑

回复 3# cyng

Year No.	Month No.	Date	Principal Paid	Interest Paid	Customized Payment		Customized Interest		Monthly Installment	Balance Remaining
					Your input	Value used	Your input	Value used
3	1	Jan-12	$402.40	$1,603.00		$2,005.40		5.75%	$2,005.40	$334,136.75
	2	Feb-12	$404.33	$1,601.07		$2,005.40		5.75%	$2,005.40	$333,732.42
	3	Mar-12	$406.26	$1,599.13		$2,005.40		5.75%	$2,005.40	$333,326.16
	4	Apr-12	$408.21	$1,597.19		$2,005.40		5.75%	$2,005.40	$332,917.95
	5	May-12	$410.17	$1,595.23		$2,005.40		5.75%	$2,005.40	$332,507.78
	6	Jun-12	$412.13	$1,593.27		$2,005.40		5.75%	$2,005.40	$332,095.65

holoen · 发表于 20-1-2010 11:26 AM

本帖最后由 holoen 于 20-1-2010 11:45 AM 编辑

回复 3# cyng

7	Jul-12	$414.11	$1,591.29	$2,005.40	5.75%	$2,005.40	$331,681.54
8	Aug-12	$416.09	$1,589.31	$2,005.40	5.75%	$2,005.40	$331,265.45
9	Sep-12	$418.09	$1,587.31	$2,005.40	5.75%	$2,005.40	$330,847.37
10	Oct-12	$420.09	$1,585.31	$2,005.40	5.75%	$2,005.40	$330,427.28
11	Nov-12	$422.10	$1,583.30	$2,005.40	5.75%	$2,005.40	$330,005.18
12	Dec-12	$424.12	$1,581.27	$2,005.40	5.75%	$2,005.40	$329,581.05

holoen · 发表于 20-1-2010 11:50 AM

回复 4# mingshi

mingshi大大，可以帮忙看以上这条数吗？

mingshi · 发表于 21-1-2010 11:49 PM

回复 mingshi

mingshi大大，可以帮忙看以上这条数吗？
holoen 发表于 20-1-2010 11:50 AM

??

要看什么？

holoen · 发表于 23-1-2010 11:59 AM

回复 16# mingshi

是看看这条数是这样算吗？对吗？

mingshi · 发表于 23-1-2010 03:13 PM

基本上是这样。。。

但是，谁说blr = 6.55???

振益 · 发表于 5-3-2010 10:41 AM

大大是否可以说出向发展商购买房子的先后程序？
比如付定金后要做的事项？定金要付几巴仙？
几时签买卖合约？几时处理银行贷款？
还有其他事项要处理？

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