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We’re Featured On Sin Chew Daily 星洲网Sin Chew Daily – Sinchew.com.my

发展商名誉影响贷款

房贷网 站  malaysiahousingloan.net菅理员兼MHL咨询公司房屋贷款顾问 叶佳强及  李素慧认同个人信贷的重要性, 同时, 也点出了另一些看似无关紧要, 却会影响房贷申请的原因。

李素慧耐心地解释,银行对于发展商的名誉甚是在意,因此如果一家发展商拥有不良记录,如搁置房产发展,对于购屋者的申请也会较注意。

只有总地契银行不批贷

“另外,一些已经完成建设的房子, 如果尚未获得独立地契 (lndividual Title) , 仅有总地契 (Master Title) , 据我们的经验, 有80%的银行是不愿冒险接受, 除非该家发展商信誉良好。“因为没有地契在手, 对于银行而言, 就是没有任何保障。

叶佳强也指出, 如果工作地点与购买房产的地点不在相同白勺地方, 申请借贷时, 也可能会面对困难。

“举例来说, 一个人来自芙蓉, 在新加坡工作, 但是, 想在吉隆坡买房子, 那银行就会询问为何在吉隆坡置产, 因为银行不晓得他们的资金从哪里来, 担心会冒太大的风睑 。

房产类型成考皇因索

叶佳强也坦言,一些房产类型也是银行考量借贷的因素之一, 如果房产属于办公家居单位 (SOHO) , 而附近却有许多空置的店屋, 同样会影响银行房贷。其实, 银行也是盈利机构, 如果想深一层, 银行打开门做生意, 在放贷之前, 最先考虑的是什么? 没错,当然是借贷者是否有能力还贷, 在了解之后, 并不难理解, 为何某些银行会对于文件及资格审批较严厉,主要还是不希望借出去的钱收不回来,毕竟,银行还是希望能够获得保障。

结语:

如今知道房贷被拒的原因, 在申请房贷前, 不妨多花时间做笔记,以免高高兴兴的申请,

却败兴而回,到时,想要再度申请,又必须再花时间,重新进行相关的申请程序。

For Full Article: http://www.sinchew.com.my/node/1670586

 

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By | 2017-08-10T14:09:47+00:00 August 10th, 2017|Buying A Home, Home Loan Library, Latest News and Update|0 Comments

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