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- vleonwork
- Feb 12, 2023
- 2 min read
Updated: Dec 1, 2023
Sometimes why is it faster and easier to find a property agent to buy a house loan!?️ In fact, we do Property to help customers buy houses, not just for sale. For us, the most important thing is that it is more important to help customers successfully approve bank loans than to receive the deposit! As real estate consultants, we are very clear about the loan thresholds of each bank because we deal with banks every day. Each bank Target's customer base is different, so we can help customers review the loan information in the bank that is suitable for them, so that they can go less wrong.
The following are the questions we will ask before customers book a house:
1️⃣ Income
In terms of income, banks are divided into basic salary, OT, Commission, Allowance and so on. In fact, the bank valued the basic salary most, and the rest of the OT and commission are only when you do it, so the bank will not calculate 100% of the income. To be precise, the bank will look at your salary list. Nett Salary is your net income to calculate the loan.
2️⃣Ccris & Ctos
The bank will check the loan records of you and all banks before approving your loan. It depends on whether you have a deferred loan, whether the repayment period is beautiful or not, etc. If so, it will also affect the approval of the loan Margin and interest, etc.
3️⃣ Years age
Buying a house, the banking industry also cares about age. If the borrower is younger than 25 years old, Bank may ask his brother and sister or parents to co-brand. On the contrary, if parents are older to buy a house and are not more than 35 years old together with their children, the bank can give a 35-year supply period.
4️⃣ How long have you been working?
If you have just started work for only one month, the bank will not be able to process the loan. You need to work for at least 3-6 months to apply for a loan, so don't change jobs or companies at will during the period of buying a house.
5️⃣ Deposit
Finally, personal deposit or Fix Deposit. The bank usually checks whether there is 10% or more in all the borrower's deposits without the house price before the bank considers approval.
⚠️There is no need to pay an intermediary fee.
🚨The information is not beautiful, and the professional team will help you review👍🏻
📱Call +60168197890 to inquire or click the following link to learn




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