Lowyat.NET: Latest topics by vinlyy

Housing loan 900k

vinlyy — Thu, 23 Dec 2021 21:55:08 +0800

Hi all bankers and sifus,

I’m with my girlfriend trying to get loan for my first house. We plan to buy double storey KL.

Property price: 900k second double storey
Loan:hope to get 90%
Credit card: clear off every month no outstanding
Age: 28(me) 25(she)
Year of our business: 2year plus
Net income:
Enterprise profit
Year 2019 - 99k - rm4200 monthly profit /person
Year 2020 -135k - rm5600 monthly profit/person
All sale and expenses got transaction in our account
We also got submit our income to LHDN for year 2019&2020
Monthly saving around 4k - 6k
Occupation: morning market hawker
-we operate our business under our partnership enterprise
-profit by sharing in business enterprise account
-ssm 2year ++
Commitment :
For me: ptptn rm250 /left 13 year

Every month clear no outstanding
She : no commitment
Marital status : single
Currently : rent house rm1500 per month

Is our profile able get a loan for our 1st house purchase? What would be the loan margin and loan tenure? How much we need to prepare in order to buy second hand double storey with price 900k?Thanks for the advice

It is big chance to get 90% loan?

Vios vs city

vinlyy — Thu, 11 Mar 2021 21:42:47 +0800

I plan to buy a car to use at least 15years
New:Vios and city which better
I got go test drive both car and also myvi
I like vios but it small space as compare to city
City very powerful and big space but NVH not good ,got many minor sound
I am looking for a car with less maintenance and can use longer without many problem
I am here to ask all lowyat forum member
Which car better
Thanks all

New vios j vs vios e

vinlyy — Thu, 11 Mar 2021 21:09:04 +0800

Vios J 72,500
Vios E 77,500

I am thinking to buy which one
If buy j I can save 5k but
j don’t have
-Auto Fold Wing Mirrors
-Tyres & Rims 15’
-Multi-Information Display (MID)
-Pre-collision System (PCS)
-Lane Departure Alert (LDA)
-3D Panoramic View Monitor (PVM)
-Blind Spot Monitor (BSM) with Rear Cross Traffic Alert(RCTA)

But I think I don’t need it I only want Toyota car enjin actually I want cheap but idont like myviwith bad N.V.H

I got test drive both vios and myvi
I like vios

So if I take vios j or vios e better?