Affin Islamic Bank Housing Loan

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✅ Kiraan DSR :

Gaji kasar

- Bawah RM 5000 = 70%

- Atas     RM 5000 = 90%

✅ Kadar interest rate :

RM 200k - RM 299k =4.5%

RM 300k - RM 399k =4.49%

RM 400k - RM 699k = 4.37%

RM 700k & above = 4.35-4.30%

✅ Perjanjian Sewaan

- Diambil kira slps 6 bln dimatikan setem

- 100% dari nilai sewaan

✅ OT

- Diambil 6 bulan payslip & bank statement

- 100% dari average 6 bulan 

✅ Kelebihan 

Affin islamic bank

- "No lock in period" means boleh buat early settlement / jual property immediately after dpt kumci rumah (bank tidak kenakan ap2 penalty to client)

- Kiraan DSR yg tinggi

- Pembiayaan islamic

- "Secure abandoned project" means if abandoned project, bank will cancel loan & 100% fully refund progressive amount.

- Mrtt & Legal fees cover dlm financing

-Rumah yg "MASTER TITLE"

Lbh /Kurang dari 10 tahun boleh diterima