房屋贷款步骤。

lpsam89

Steps to getting a housing loan

Having decided to commit you to buying a house next is to scout around for the financing for the house.

Things to note when looking for a loan
 Rates 
 Flexibility in terms of the early repayment, changes to loan structure 
 The standard of service provided 

Assessing your needs        Loan amount required 
 Loan tenure 
 Monthly installments

Requirements for eligibility 
Must be a Malaysian or Malaysian permanent resident in of at least 21 years of age 
Must not be a bankrupt or currently sued by any other party 
Income and creditworthiness

For fast approval, please bring along the original and photocopy of the following documents
Personal Documents / Info
 2 copies IC (both sides in one page) 
 2 copies Passport & work permit (for foreigners) 

Financial Documents / Info
A.        For Employed 
 6 months pay slips of 6 months commission statement
 6 months - Bank statements (for pay credited into account)
 Latest 1 year – EA form
 Latest 1 year - BE form
 1 year - KWSP / EPF Statements
 EA Form from previous employer (for change of employment)
 Letter of appointment (for newly employed)

B. For Self Employed
 Latest 1 year - B form
 Latest 2 years - Audited Accounts / Trading Accounts
 Form 24 & 49 & Company Registration
 Business Registration Form (A/D)
 6 months - Bank Statements (personal account)
 12 months - Bank Statements (company account)

Property Documents / Info
A copy of Sales & Purchase Agreement (original to be submitted to the lawyers upon loan acceptance)
 A copy of Land Title (compulsory for completed properties) 
 Certificate of Fitness for completed properties purchased directly from the developer 

For refinancing cases (if applicable)
 Latest Loan Statement 12 months

Acceptance of loan applications 
 Upon acceptance of the loan application , you will receive a letter of offer and the bank's lawyer will prepare the necessary loan documentation 
 You will be notified to sign the documents once they are ready and you will be required to pay the legal fees, stamp duty, disbursement, insurance premium and valuation charges (if any). 
 Lastly once this documentation is completed, the bank will release the loan and pay the seller/developer in accordance with the terms of the SPA

在我们这里有超过10间银行的房屋贷款，refinance，remortgage.批准率高》》
不必花费太多时间去每一间银行问，省时，省精神。。。
而且我们也有协助处理MRTA 和MLTA。。。

我是KL人。。。
有任何疑问可以联络我：016-6650878（sam）
email：[email protected]

lpsam89

卡贴～～～～～～～～

kevinchow1888

各位如果要找银行房屋贷款请联络小弟， 谢谢!

Kevin 012-2899256
Standard Chartered Bank
Mortgage Sales Executive

lpsam89

在我们这里有超过10间银行的房屋贷款，refinance，remortgage.批准率高》》
不必花费太多时间去每一间银行问，省时，省精神。。。
而且我们也有协助处理MRTA 和MLTA。。。

我是KL人。。。
有任何疑问可以联络我：016-6650878（sam）
email：[email protected]