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The maximum loan amount is typically determined by your income, financial commitments, and the loan tenure. Banks in Malaysia commonly use a Debt Service Ratio (DSR) to assess your repayment capacity.
Your eligibility is influenced by factors such as your income, credit history, employment stability, and existing financial commitments. Banks in Malaysia also consider the loan-to-value ratio and the loan tenure.
Yes, aside from the loan amount, consider additional costs like legal fees, stamp duty, valuation fees, and insurance premiums. These costs can vary, so it's important to factor them into your budget.
Yes, Malaysia offers various incentives for first-time homebuyers, such as the My First Home Scheme (Skim Rumah Pertamaku) and stamp duty exemptions. These programs aim to facilitate home ownership for first-time buyers.
Consider reassessing your financial situation. You may explore options such as extending the loan tenure, improving your credit score, or revisiting your property preferences. Consulting with a financial advisor can also provide insights on enhancing your affordability.