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Rehired — Fri, 02 Nov 2018 17:24:23 +0800

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Newbies need help

Rehired — Thu, 22 Sep 2016 18:34:23 +0800

Greeting,
Firstly i'm first time home buyer. Been studying for 5 pages here and found only 1 TS open discuss about First time home buyer. Or most of the first time buyer too shy to ask ?

I'm confident a lot SIFU here can help me with my hell lot of question.

Sorry if those bother any of you.

1. How can i check the property value ? Must walk in bank ?

2. As per question no.1 , im currently looking at Kelana Puteri Leasehold with around 70Y (RM400k+) @ Kelana Jaya , and SD Apartment Freehold (RM280k+) @ Bandar Sri Damansara.

3. My income after deduction is RM3500 , my wife is also around that figure. So our total monthly income is RM6800-7000.

4. Have proper EA form and also EA from my part time insurance, around RM13k/year. Both also did file into annual income tax.

5. She got no monthly commitment and or any out standing with bank.

6. Me, i got RM14k out standing with Citibank CC. Monthly repayment RM1.3k.
RM10k out standing with HongLeong P.Loan, monthly repayment RM550.

7. What is the maximum amount we can get from bank ?

8. So bank will only offer loan % base on bank property value ? If the property seller offer RM400k, and bank value RM300k , is there any possible bank will offer RM400k because of me and my wife total income eligible that amount of total or more ? Or in this case i will have to apply for FirstHomeScheme ?

9. If bank only approve 90%, can we pay with our EPF for the remain 10% ? And how ?

10. Understanding that first time buyer will have discount on all other fees, how to apply ? Or just tell the lawyer im first time buyer and they will give discount ?

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Rehired — Thu, 22 Sep 2016 17:33:22 +0800

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[WTS]Puerile Samsung Galaxy Note 3 Matte Case

Rehired — Tue, 25 Feb 2014 19:39:16 +0800

Item(s):Puerile Samsung Galaxy Note 3 Matte Case come with Build In Dust Protector.

Package includes:Matte case, anti scratch screen protector

Price:RM35

Warranty:NIL

Dealing method:By Poslaju

Location:Petaling Jaya

Contact method/details:Whatsapp - 0102010222 / PM / Reply
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Item(s) conditions: New

Picture:

Reason for sale: Trading

TOP SELLER ! MOST WANTED SLIM CASE !

Puerile Samsung Galaxy Note 3 Matte Case come with Build In Dust Protector.
Fully protect your beloved Galaxy Note 3.

Not as bulky as other type to casing !

Case type : Matte. Anti Finger print ! Good and comfortable to hold.

Available color : Yellow, Sky Blue, Purple, Red, White.