Bank's calculation..
No.1)
Selling Price (RM) : 300,000
Loan Applied (%) : 95%
Monthly Income (RM) : 6,170
Term Applied (Years) : 30 years
Interest Rate (% pa) : 6.75 (BLR)
Montly Repayment (RM) : 1,849
Loan Amount (RM) : 285,000
If your household (combine husband and wife) income is RM6,170, you're 'consider' afford to buy a RM300,000 house. Still, if your both earn RM5,150, you're consider can buy a RM200,000 house.
Segala pokok pangkalnya, tepuk dada, tanya selera.. tanya diri.. kang hari2 makan kropok!! huhu..
But if your income sowang2 dah RM5,000/month.. may be you want to consider this..!
No.2)
Selling Price (RM) : 1,000,000
Loan Applied (%) : 95%
Monthly Income (RM) : 20,600
Term Applied (Years) : 30 years
Interest Rate (% pa) : 6.75 (BLR)
Montly Repayment (RM) : 1,232
Loan Amount (RM) : 950,000
wah!! sket lagi you can buy a RM1/2M house..
ishk.. cam tak betul je pengiraan nih!! So, for more info, contact your financial advisor.. tapi, jangan luper.. dorang tu BUAT SALE! Ops.. provided CCRIS and CTOS ok lorr..
* Harus diingat orang gomen lebih longgar syaratnya.. so moral here is, kerje lah dengan gomen Malaysia..