Asked by s***@gmail.com
Hi,
I would like to ask for your advice in regards of apply mortgage loan in my current situation.
I am 25 years old and my gross salary will be RM3500 per month. After deducted EPF, Sosco and EIS, my net salary will be RM3200 per month. The only commitment I have for now is ptptn loan. I have to pay RM200 for ptptn monthly installment. I do not have any credit card in my hand for now and my car is fully paid by cash.
However, I noticed that I have bad record in my credit report. I have fours months of ptptn late payment starting from this year June, July, August and September. After I realized it, I have done to pay ptptn overdue and have applied direct debit (automatic deduct from my bank account) as per schedule. For this year October, my credit report is revert back to "0".
I have booked a unit and it is a new project called Rumawip in this month Novemeber. The location is at Miharja. Currently. I still haven't know which banker will come into the project.
I have asked for Maybank, their staff told me it is impossible to pass my mortgage loan application if I apply the loan now in my current situation.
Same goes to RHB, they told me they will not consider for my mortgage loan if apply now. Others bankers like CIMB, UOB, Public Bank and HLB, they told that I can try to apply on it but it is possible will rejected also.
I cannot wait for one year even six months after then I apply the loan, it will too late and I will miss out this ruamawip project because it almost sold out for now.
May I know what should I can do for now? I am not able to clear all ptptn loan for now due to I have not much capitals in my hands.
I would like to ask for your advice in regards of apply mortgage loan in my current situation.
I am 25 years old and my gross salary will be RM3500 per month. After deducted EPF, Sosco and EIS, my net salary will be RM3200 per month. The only commitment I have for now is ptptn loan. I have to pay RM200 for ptptn monthly installment. I do not have any credit card in my hand for now and my car is fully paid by cash.
However, I noticed that I have bad record in my credit report. I have fours months of ptptn late payment starting from this year June, July, August and September. After I realized it, I have done to pay ptptn overdue and have applied direct debit (automatic deduct from my bank account) as per schedule. For this year October, my credit report is revert back to "0".
I have booked a unit and it is a new project called Rumawip in this month Novemeber. The location is at Miharja. Currently. I still haven't know which banker will come into the project.
I have asked for Maybank, their staff told me it is impossible to pass my mortgage loan application if I apply the loan now in my current situation.
Same goes to RHB, they told me they will not consider for my mortgage loan if apply now. Others bankers like CIMB, UOB, Public Bank and HLB, they told that I can try to apply on it but it is possible will rejected also.
I cannot wait for one year even six months after then I apply the loan, it will too late and I will miss out this ruamawip project because it almost sold out for now.
May I know what should I can do for now? I am not able to clear all ptptn loan for now due to I have not much capitals in my hands.
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