mortgage.level term
BECOME.AGENT
potential income we invite you to become a part of us to joining into this indurtry for the very high potential income even you jobs.
interview for mortgage agent kindly prepare your resume and send to apply@ingmalaysia-homeloan.com
ING.HOME LOAN
application documents required
Peace of mindzero entry package & non zero entry package
Q : What documents do I need to submit together with my application?
A : A copy of the following documents are required for fast approval of your loan.
Personal Documents / Info
A. For Employed
2 copies IC (both sides in one page)
2 copies Passport & work permit (for foreigners)
Financial Documents / Info
Latest 6 months pay slips or 6 months commission statement
6 months – Bank statements (for pay credited into account)
Latest 1 year – EA form
Latest 1 year – BE form
1 year – KWSP / EPF Statements
EA Form from previous employer (for change of employment)
Letter of appointment (for newly employed)
B. For Self Employed
Latest 1 year – B form
Latest 2 years – Audited Accounts / Trading Accounts
Form 24 & 49 & Company Registration
Business Registration (Form A / D)
6 months – Bank Statements (personal account)
12 months – Bank Statements (company account)
Property Documents / Info
A copy of Sales & Purchase Agreement (original to be submitted to the lawyers upon loan acceptance)
A copy of Land Title (compulsory for completed properties)
Certificate of Fitness for completed properties purchased directly from the developer
For refinancing cases (if applicable)
Latest Loan Statement 12 months
Steps to getting a housing loan
Having decided to commit yourself to buying a house, next is to scout around for the financing for the house.
Things to note when looking for a loan
Rates
Flexibility in terms of the early repayment, changes to loan structure
The standard of service provided
Assessing your needs
Loan amount required
Loan tenure
Monthly instalment
Requirements for eligibility
Must be a Malaysian or Malaysian permanent resident in of at least 21 years of age
Must not be a bankrupt or currently sued by any other party
Income and creditworthiness
Acceptance of loan applications
Upon acceptance of the loan application , you will receive a letter of offer and the bank's lawyer will prepare the necessary loan documentation
You will be notified to sign the documents once they are ready and you will be required to pay the legal fees, stamp duty, disbursement, insurance premium and valuation charges (if any).
Lastly once this documentation is completed, the bank will release the loan and pay the seller/developer in accordance with the terms of the SPA
