HSBC Housing Loan

✅ Kiraan DSR :

Gaji bersih

- Bawah RM 3000 =(require co borrower)

- RM 3000 - RM 5000 = 70%

- RM 4000 - RM 5000 jika ade HL with HSBC/Other bank or CC/LOAN with HSBC = 80%

- RM 5000 above jika ade HL with HSBC/other bank or CC/LOAN with HSBC = 90 %

- IF GAJI RM 5000 xde seperti di atas - 80%

✅ Kadar interest rate :

- RM 100k - RM 200k = 5.20%

- RM 200k - RM 300k = 4.80%

- RM 300k - RM 500k = 4.50%

- RM 501k - RM 750k = 4.45%

Atas RM 750 k = 4.40%

- Atas RM 750 k (Premier HSBC OR PREMIER OFF) = 4.35%

✅ ASB loan

- Komitmen waived as long bg letter offer ASBF

✅ Perjanjian Sewaan 

- Diambil kira jika dimatikan setem

- 80% dari nilai sewaan sekiranya kurang 6 bulan

90% dari nilai sewaan sekiranya lebih 6 bulan

✅ Kelebihan HSBC

- Kiraan DSR yg tinggi

- Pembiayaan islamic

- Interest rate bole dirunding bergantung cust profile

- Full Flexi

- Sesuai utk client yg komitmen tggi

- Sesuai utk bisnes owner sbb xperlukan 6 months bank statement..cukup dgn B Form 2 tahun with proof of tax payment receipt.

- ASBF x dikira sbgai commitment

- Annual income MNC company dikira mengikut EA FORM

- Xperlukan booking receipt or Sales Proforma or Draft SPA or Title copy or S&P lama sekiranya pembelian subsale dari owner.

- Docs yg sgt minima eg : payslip, bank statement 3 bulan and EPF.

JIKA MNC ; Payslip 1 bulan, 1 bulan bank statement gaji masuk dan EA Form..

Skrg kite ade campaign cash back rebate tuk completed property subsale or refinancing or internal refinancing

🏡🏡🏡🏡🏡🏡🏡🏡

RM 350 k - RM 500 k = REBATES RM 2000

RM 500 k - RM 750 k = RM 3000

RM 750 k ke atas = RM 4500

RATE - 4.50 %

Lock in 5 tahun