http://forum.lowyat.net/ Wed, 22 Jul 2026 11:41:36 +0800 FeedCreator 1.7.2 http://forum.lowyat.net/topic/4186567 Hi,<br /><br />I have the following questions about credit history (to qualify for a mortgage):<br /><br /> - Is credit history compulsory when applying mortgage ? Or is it a myth spread by credit card sales people ?<br /> - How much easier / faster can mortgage application be if I have a credit history ?<br /> - How much credit history do I typically need for mortgage application ? Can RM 300 of credit history a month for petrol help to qualify RM 2000 monthly installment for mortgage? (assuming that I qualify for other criteria)<br /> - Having credit history might help out for mortgage application but it also reduces your disposable income for monthly installment. Is there an optimum point?<br /> - How long of a credit history do I typically need for mortgage application (3 months / 6 months / 1 year) ?<br /> - Is credit card the easiest way to obtain credit history ?<br /><br /><br />Thanks [-&#124;_&#124;-] Property Q&amp;A Tue, 31 Jan 2017 13:29:55 +0800