Below are some topics of interest to help you make sense of owning a home.
- Types of Home Financing Products
- Questions You Must Ask Yourself Before Choosing the Right Financing Package
- Difference Between Monthly Rest and Daily Rest
- Successful Loan Application Process
- Hidden Clauses / Terms in your Letter of Offer
- Applicable Fees in a Property Transaction
- Common Homebuyer’s Mistakes
- Malaysia My Second Home (MM2H) programme
Appreciate your comments and feedback on the above.
Note: All the above views and opinions are from the writer’s personal viewpoint, and do not reflect the views and opinions of banks, lawyer, valuers, developers, insurers or any other parties other than the writer. These are not professional publications and the writer advises readers to formulate their own decision based on sufficient level of research which is comfortable to the readers. The writer do not guarantee accuracy to all the information and intends the information to be used as a guide for the reader’s continuing line of questioning.
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April 21, 2009 at 6:33 pm
Dear Amir,
Last year I have settle the outstanding for my house loan with Maybank.I also continue paying the monthly installment.And till now they did not send me the statement.
Earlier I sign a loan contract with another
bank,but now with Maybank.And they did not
give any info on the payment whether to follow the previous contract or Maybank.
June 4, 2009 at 9:15 pm
Hi Paul,
Im am not really sure why they did not send statements. Housing loan statement should be sent out at least once a year, or for some banks, every half yearly. I cannot advice you on this, only your banker can answer that. Do check with them why you have not been sending your statements. All banks should be able to issue you statements on the spot if you visit the lending branch.
Maybe it is the wrong address? Did you shift place or amend the previous mailing address? Do check.
June 23, 2009 at 9:03 am
Hi Amir, maybe the loan payment is not prompt before but now consistent . When can the ccris be updated and do we allowed to apply the loan.
July 8, 2009 at 4:48 am
Hello Shan. As long as the payment is now consistent, it should look better on your CCRIS records. Remember, the Bank can only see 12 months of past records on CCRIS, so if you want a really clean CCRIS, it will take 12 months to look good. Once it looks better, your loan application will have better success rate. Good luck.