Total Loan Commitment Max. 60%

Total Loan Commitment Including: 

1. Other Housing Mortgage monthly repayment.  


2. Car loan monthly repayment. 


3. All Credit Cards & Personal Loan monthly minimum payment.


4. The new mortgage repayment 
(Based on 3.5% STRESS TEST interest rate for residential property; 4.5% for commercial property)


Total Income

1. Fixed Salary 100% with COMPUTERISED PAY SLIP. 


2. Variable income 70%. 
a) Rental income
b) Self-employed trade income

c) Bonuses. 

d) Director fee. 


Excluding: Dividend. 


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