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David Wong Lai Kwong
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You may borrow RM150,000 to RM170,000 from the bank with RM800+- monthly instalments for 30 years maximum. The guide is one third of your gross income. The bank will only lend 80% or 90% of your property price so you must make provision to pay the difference down payment either from your savings or EPF or both. You need to make provision for 3% to 5% for lawyers fees for SPA & loan agreement and stamp duty etc. Read More
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