How To Get 100% Financing Housing Loan?

Is this a myth or a fact? Answer is it's a fact.

Only few banks are offering this. Of course, subject to terms and conditions, and your financial profile meeting the criteria. The maximum DSR capping is generally extended after taking into account the new loan installment.

This is good for buyers who want maximum financing, so they pay less or nothing from their pocket.

Bear in mind the normal Loan-to-Value (LTV) guideline still applies. In this case the differential that make up that 100% (extended loan) is capped at maximum of between RM150k to RM300k.

The "catch" is you need to pay a higher interest rate for the extended loan. Depending on your purpose and objective, this may still be worthwhile. Of course, you can still enjoy the normal housing loan rate for your normal LTV eligibility.

Maximum loan tenure is 10 years for the extended loan.

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