Loading your property tools…
VIVIEN LIMIPOH PROPERTY · REN 43762PROPERTY HELP
A clearer answer. A practical next step.
Start with the knowledge library. For your own situation, continue the conversation with Vivien.
Questions for this step · Browse all questions →
Related knowledge answers
Source-linked answers from published guides and checked official references. These are fixed explanations, not generated chat replies.
Showing 6 / 12
Should I buy personally, jointly or through a company, and will a guarantee be needed?
Ownership, borrower and guarantor are different roles. Individuals and companies use different products; joint ownership does not automatically mean matching joint financing. For example, Maybank Online PBF-i requires a directors' guarantee for Sdn Bhd. A company loan does not automatically shield its guarantors from personal liability.
What to do next
- Ask a lawyer and tax adviser to review the ownership arrangement.
- Confirm each borrower's eligibility and the proposed security with the bank.
- Read guarantee limits and release terms before anyone signs.
A guarantor, company or joint applicant does not guarantee approval or a higher margin.
Official and professional references
Will my car loan, personal loan or PTPTN reduce the home loan I can obtain?
Existing commitments affect affordability. Banks assess income, debt repayments and living-cost buffers; there is no single DSR percentage that guarantees approval at every bank. PTPTN repayment status can also appear in credit reporting. Clearing an arrear does not itself guarantee a new home loan.
What to do next
- List every monthly commitment, including cards, hire purchase, personal loans, PTPTN and any family loan repayments.
- Ask the mortgage bank which income and commitment figures it uses, and have it calculate your remaining capacity.
- If PTPTN is overdue, discuss repayment or restructuring directly with PTPTN, then let the bank reassess the updated position.
Do not take another loan just to make the deposit look ready. If repayments are already unmanageable, speak to the lender or AKPK before adding a mortgage.
Official and professional references
Should I use a credit-card cash advance, TNG CashLoan or a personal loan for the deposit?
These create another debt, not extra savings. The new repayment can reduce mortgage affordability and add fees or interest. TNG CashLoan is a platform for financial institutions' products, not a home-loan guarantee. Do not borrow the deposit before the mortgage bank has assessed the full combined commitments.
What to do next
- Ask the mortgage banker to assess the proposed extra debt before applying or drawing it down.
- Obtain the actual lender's PDS; compare effective cost, all fees, total repayment and monthly cash flow.
- Compare saving longer, a lower-priced property, an eligible scheme or documented family support instead.
Disclose every borrowing even if it is new or not yet visible in a report. An in-app eligibility estimate is not final approval, and flat and effective rates are not directly comparable.
Official and professional references
How much can I borrow to buy a shop lot or factory?
There is no fixed margin for every buyer. CIMB's individual Business Premises Financing-i advertises up to 90%, including specified costs capped at 5%; RHB's individual commercial product has a different base margin and cost structure. Company, owner-occupied and investment products must be checked separately. Published maxima are not approval promises.
What to do next
- Identify the borrower and whether the premises are for own use or investment.
- Ask the bank to separate purchase-price financing from financed costs.
- Budget using the written approval, not a headline maximum.
Bank valuation, property classification, income and credit assessment may reduce the approved amount.
Official and professional references
What income documents and repayment checks do commercial buyers need?
A bank needs verifiable income, debt and property information. Salaried, self-employed and company applicants need different documents. Personal DSR compares debt payments with accepted income; business DSCR considers earnings or cash flow available for debt service against principal and interest over the same period. Definitions and thresholds must come from the selected bank; turnover alone is not repayment capacity.
What to do next
- Obtain the selected bank's applicant-specific document checklist.
- Prepare genuine tax, bank, financial and existing-debt records securely.
- Ask which cash-flow adjustments and stress tests the bank requires.
No universal Malaysian commercial-property DSR or DSCR threshold is verified here; BDC explains the concept, not Malaysian bank policy.
Official and professional references
Can I get a 100% home loan, including for a subsale house?
Some eligible first-home buyers can apply under specific schemes. For example, BSN MyHome-i SJKP-MADANI covers eligible subsale homes: a property price up to RM300,000, 100% of that price plus specified costs, with total financing capped at RM360,000. This is a product option, not a promise of approval.
What to do next
- Ask a participating bank to check your first-home, owner-occupation, income and credit eligibility.
- Give the bank the actual purchase price and property documents; confirm valuation and scheme limits.
- Obtain a written offer showing the approved price portion, eligible costs and any cash you must provide.
More than 100% guarantee coverage is not the same as cash back or automatic 100% financing. Other products have different caps and conditions.
Official and professional references
These are general explanations. An individual property, application or agreement still needs confirmation.