Conditions and procedures for Malaysian immigrants to purchase houses with loans.

# Malaysian Immigrants # Introduction In recent years, Malaysian real estate investment in golden decade has great potential, and this is a good time to buy a house. The following are the conditions and procedures for Malaysian immigrants to purchase houses with loans. Welcome to read!

1. Conditions and procedures for Malaysian immigrants to purchase houses with loans.

I. Conditions for Malaysia to apply for mortgage loan

1. Age requirement: 18-70 years old.

2. Maximum loan term: 30 years.

3. Loan ratio: 50%-60%, especially for second-home applicants.

4. Loan interest rate: about%

5. Loan approval period: 1-2 months.

6. Loan process: the customer signs the house sales contract first-/kloc-pays the down payment within 0/4 days-and submits the loan application documents of the bank at the same time-1-2 months later, the bank approves the loan-the bank pays the loan amount according to the project progress.

7. Repayment process: After the loan is approved, the customer only needs to pay the interest paid by the bank when it starts to pay the house payment to the customer.

Note: If the occupation is of a business nature, a 6-month salary table is required.

Note: If the salary passbook is also the deposit balance, there is no need to apply for the English version of the deposit balance certificate.

Note: If you belong to your own company or you are a shareholder, this item is required.

Second, the process of applying for mortgage in Malaysia

(1) Receiving relevant information and documents

(2) Submit an application form

(3) Bank audit for 2-3 weeks.

(4) Notice of approval

(5) Confirm whether to accept the loan within 14 days.

(six) notice of preparing the loan contract

(seven) arrange to sign a contract with the notary office.

(eight) to pay the loan lawyer's fee

Third, other precautions

(1) If the customer wants to cultivate a three-month income certificate, he/she needs:

1. Be sure to remit a fixed amount at a fixed time every month.

2. The details of the amount cannot be marked with cash, only with salary or company name.

3. Individual or company tax returns must be provided.

(2) The prepared documents should be provided in both Chinese and English as far as possible, which will speed up the submission, and the more fully prepared, the better the bank loan ratio.

2. Common sense of Malaysian immigrants' life

1, a wooden table with a lot of delicious food.

Malaysia does not eat pork and aquatic shellfish, and does not drink alcohol. Malays must wash their hands before and after meals, and there is water to wash their hands between meals. When eating, they sit around the floor on the carpet. Everyone must grasp the food with his right hand, otherwise it will cause others' disgust. Malays' food is mainly rice, and Chili and curry are the most commonly used table foods. One of the most famous flavor foods in Malaysia is a barbecue called "Satay".

2. Living customs

With the development of Malaysia's economy, high-rise houses and long houses used to exist only in some rural areas and mountainous areas. High-rise residential building is a single-story building with wooden stakes several feet above the ground. The roof is covered with leaves or boards, and the walls and floors are made of wood. High-rise residence is moisture-proof, moisture-proof and animal-proof. The longhouse is a building inhabited collectively by indigenous minorities in Malaysia. This is a long building with stakes several feet above the ground. There is a passage in the middle of the longhouse, and both sides of the passage are residents.

3. Family etiquette

Obey and respect your parents. Sit respectfully on the bench in front of your parents. Don't cross your legs, don't cross your legs. When sitting at the table, kneel down facing your parents and don't cross your legs.

4. Interpersonal etiquette

Respect the elders, men meet and shake hands. When introducing each other, first introduce men to women, young people to old people, and people with low status to people with high status. If you don't know the woman sitting next to you at the party, please ask the host to introduce her.

5. Social taboos

Don't show intimacy in public. If the other person is of the opposite sex, there should be no physical contact. Don't point the soles of your feet or feet at others. Don't touch anything with your feet. Don't touch anyone's head, especially a child's head. Don't visit during Malay evening prayers. Malays and Indians think that the left hand is not clean, you can't eat with it, and you can't pass things with it casually. You can't open the gift in front of the giver. Before visiting, it is recommended to call the host in advance and tell them that you are interested in visiting them.

Malaysians are very particular about their guests' food and drinks, so advance notice can give them time to prepare meals for their guests. Common gifts are generally chocolates, fruits and other foods, but make sure that the gifts are consistent with the religious beliefs of the owner. You can't bring non-halal food to Malays, including alcoholic drinks, pork or alcoholic food. In Hinduism, cows are regarded as sacred animals. When visiting Indian families, be careful not to give food and products containing beef to the host.

6. The importance of the right hand

In Malaysia, especially Malay families, the right hand is used to give, receive and gesture. It is considered impolite to give or receive with your left hand unless you use both hands. So is the index finger. When you need fingers, please use your right thumb and make a fist with your four fingers. ?

3. The stage of applying for a second residence in Malaysia

The conditions for applying for a second home in Malaysia are very simple. First, there must be a major applicant in the family, and then:

1, the main application is over 2 1 year.

2. No criminal record

3.2 1-50 years old: the purchase price is RM 500,000+150,000 deposit or RM 300,000 deposit.

4.50 years old or above: the purchase price is RM 500,000+RMB 65,438+RM 00,000 deposit or RM 65,438+RM 05,000 deposit.

5. Financial requirements

The first stage: the application review stage

1) There is a deposit certificate of RMB 1 10,000 or more in any bank in China (applicants under 50 years old), and applicants over 50 years old have RMB 700,000 or more.

2) The monthly income of husband and wife exceeds 20,000 RMB.

The second stage: the registration and licensing stage.

1) Family physical examination

2) Buy medical insurance recognized by the Malaysian government, and the insured can choose freely.

3) The applicant needs to open an account in a bank in Malaysia and deposit the following amount: the main applicant is under 50 years old, and the deposit amount needs RM 300,000, about RMB 600,000 *; The main applicant is over 50 years old, and the deposit amount needs RM 654.38 +0.5 million, about RM 300,000.