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Nak apply housing loan tapi .....

Printed From: Webportal.com.my - Malaysian Forum
Category: Generally Malaysian
Forum Name: Sembang-Sembang (dalam Melayu)
Forum Description: Boraklah ape yang nak borak tapi jangan mencarut...
URL: http://www.webportal.com.my/forum/forum_posts.asp?TID=471
Printed Date: 12 Aug 2022 at 1:39pm
Software Version: Web Wiz Forums 12.01 - http://www.webwizforums.com


Topic: Nak apply housing loan tapi .....
Posted By: evans
Subject: Nak apply housing loan tapi .....
Date Posted: 05 Sep 2019 at 2:11pm
nak apply housing loan sebab nak beli ruma tempat saya menyewa skrg ni. Tetapi rekod dkt bank tak cantik dan rasanya dah masuk CCRIS rekod. Ada sesiapa tak bole bg cadangan atau pendapat bagaimana nak dpt kan housing loan? saya betul2 nak beli ruma tu sebab tuan ruma pun dah janji nak jualkan ruma tu untuk saya sahaja...so skrg ni tgh pening pikirkan dmana nak dapatkan housing loan. Satu lagi..skrg ni dah tak payah byr deposit kan jika nak beli ruma? dengar org kata boleh dpt 100% housing loan jika gaji 3k kebawah. Kalau dpt full loan bole la guna EPF untuk buat sikit renovation utk ruma baru tu...Pandangan & Pendapat anda smua amatla dihargai...TQ



Replies:
Posted By: Kuruma
Date Posted: 20 Nov 2019 at 5:24pm
clearkan sume CCRIS n dptkan letter or release dr bank yg bhutang tu..mmg nk beli umah, CCRIS tu penting..even MBSB pun da tgk CCRIS skrg...


Posted By: ryio
Date Posted: 04 Dec 2019 at 12:30pm
klu dah clearkan hutang rekod masih ade lagi x?


Posted By: tcandy
Date Posted: 04 Dec 2019 at 1:06pm
Berapa harga rumah tu? Byk je loan utk housing ni.


Posted By: tcandy
Date Posted: 04 Dec 2019 at 1:07pm
Rekod akan ad dlm 1 thn. Bank akn tgk consistency byr hutang.


Posted By: ryio
Date Posted: 04 Dec 2019 at 2:18pm
Klo mcm tu kena settlekn hutang tu la jawabny klu nak pinjam ngn bank.


Posted By: tcandy
Date Posted: 04 Dec 2019 at 2:49pm
MMg berhutang wajib lah bayar. Klu tak rekod tu still kat situ jugak la.


Posted By: tcandy
Date Posted: 04 Dec 2019 at 2:51pm
Tapi ade je loan yg boleh lepas kalau kena blacklist contohnya Yayasan Perniagaan Melayu Perlis Berhad.


Posted By: tcandy
Date Posted: 04 Dec 2019 at 2:53pm
Contoh ada rekod CCRIS tapi nak buat loan bank tak lepas, mintak kat yyp ni. Mudah sikit, tapi dia ada scoring dia.


Posted By: Kuruma
Date Posted: 04 Dec 2019 at 3:17pm
Proses nak beli rumah ni bukan senang... Lagi satu kalau bank tgk hutang bayar elok dia akan consider nak bagi loan.


Posted By: Kuruma
Date Posted: 04 Dec 2019 at 3:22pm
yyp ni bukan pinjaman berlesen ke? mesti interest mengancam.


Posted By: Kuruma
Date Posted: 04 Dec 2019 at 3:23pm
Kena ada penjamin jugak tak silap aku.


Posted By: tcandy
Date Posted: 04 Dec 2019 at 4:00pm
Mungkin jugak bank akan pertimbangkan tapi mmg susah, proses diorang pun leceh.


Posted By: tcandy
Date Posted: 04 Dec 2019 at 4:02pm
Yayasan i loan company bukan pinjaman berlesen. Boleh tgk website diorang https://yyp.com.my/. Diorang pun ada facebook page https://www.facebook.com/PortalRasmiYYP/


Posted By: tcandy
Date Posted: 04 Dec 2019 at 4:05pm
Profit rate dia dalam 6.5% - 9.99% . Rate standard je.


Posted By: tcandy
Date Posted: 04 Dec 2019 at 4:07pm
Loan dia tak pakai penjamin/ cagaran. Dia potong bayaran bulanan pun drpd gaji je.


Posted By: ryio
Date Posted: 04 Dec 2019 at 5:10pm
ari tu ada baca ejen yg boleh clearkan ccris, tapi jgn masuk akpk.


Posted By: ryio
Date Posted: 04 Dec 2019 at 5:15pm
Rasa koperasi ok la jugak daripada ahlong atau pinjaman berlesen. Sia2 je nak duit cepat hidup dikejar ahlong.


Posted By: Kuruma
Date Posted: 04 Dec 2019 at 5:44pm
try jer apply... aku apply dgn keadaan ada hutang kereta, credit card, ptptn ...lepas jek.. masa tu guna gaji yg lama around 3K++.. harga rumah around 112K...lepas jek loan.. cos monthly around 500++ jek.. mintak kat RHB


Posted By: Kuruma
Date Posted: 04 Dec 2019 at 5:45pm
Bagi aku tggi jugak tu 6.5%


Posted By: Kuruma
Date Posted: 04 Dec 2019 at 5:48pm
Akpk bukn utk kritikal kes je ke? Kes mcm ni belum berat lagi la.


Posted By: Kuruma
Date Posted: 04 Dec 2019 at 5:50pm
Diorang ada yg ok ada yg tak ok. Nasib laa dapat yg macam mana. Yg cm ahlong pun ada gak.


Posted By: tcandy
Date Posted: 04 Dec 2019 at 11:13pm
aku ade dgr camni guna orang dalam 'clear'kan nama kat ccris, tapi cam bahaya


Posted By: tcandy
Date Posted: 04 Dec 2019 at 11:17pm
Sbb tu la aku suggest loan ni dia loan syariah. Ada proses akad, lepas sign agreement tu dia akan call peminjam utk setuju menerima pinjaman.


Posted By: tcandy
Date Posted: 04 Dec 2019 at 11:20pm
Klu nak pinjam bank tu pun gaji kena at least 2k jugk. yyp minimum 1.5k je. rndah lagi requirement dia


Posted By: tcandy
Date Posted: 04 Dec 2019 at 11:24pm
Rate dia tu standard la klu loan yg tak lepas loan bank. Loan lain mcm ambank, jcl,rhb , aeon lgi tggi 8% camtu.


Posted By: tcandy
Date Posted: 04 Dec 2019 at 11:27pm
ye AKPK ni cuma utk kes2 kritikal je.. kes TT belom berat lagi. tak perlu rujuk sampai ke AKPK.


Posted By: tcandy
Date Posted: 04 Dec 2019 at 11:29pm
Tak ok ni semua sbb ejen punya pasal. Kadang diorang tak explain betul2 atau janji bukan2 kat peminjam tak sama mcm dalam agreement.


Posted By: ryio
Date Posted: 05 Dec 2019 at 9:52am
Oh gituu, byk info kat sini dapat. Baru tau akpk tu utk critical case je. hehe


Posted By: ryio
Date Posted: 05 Dec 2019 at 9:53am
Tapi kat website dia tak de cakp payout berapa pulk.


Posted By: ryio
Date Posted: 05 Dec 2019 at 9:54am
Lan dia tak ade insurans ke?


Posted By: tcandy
Date Posted: 05 Dec 2019 at 11:03am
Takpe, sharing info je pasl pernah deal dgn loan dia.


Posted By: tcandy
Date Posted: 05 Dec 2019 at 11:05am
Payout dia based on product yg kita apply to tapi aku dah compare dgn loan lain leps tolak semua mmg payout dia yg paling tggi.


Posted By: tcandy
Date Posted: 05 Dec 2019 at 11:06am
Loan dia include takaful coverage.



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