{"id":226,"date":"2025-02-13T12:26:55","date_gmt":"2025-02-13T04:26:55","guid":{"rendered":"https:\/\/hartinihusain.com\/blog\/?p=226"},"modified":"2025-02-13T13:15:37","modified_gmt":"2025-02-13T05:15:37","slug":"5-perkara-yang-bank-tengok-sebelum-luluskan-loan-rumah","status":"publish","type":"post","link":"https:\/\/hartinihusain.com\/blog\/5-perkara-yang-bank-tengok-sebelum-luluskan-loan-rumah\/","title":{"rendered":"5 Perkara Yang Bank Tengok Sebelum Luluskan Loan Rumah"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-227 aligncenter\" src=\"https:\/\/hartinihusain.com\/blog\/wp-content\/uploads\/2025\/02\/DALL\u00b7E-2025-02-13-12.24.58-A-modern-bank-loan-officer-reviewing-home-loan-applications-with-documents-a-calculator-and-a-laptop-on-the-desk.-The-background-includes-a-cozy-li-300x300.webp\" alt=\"\" width=\"300\" height=\"300\" srcset=\"https:\/\/hartinihusain.com\/blog\/wp-content\/uploads\/2025\/02\/DALL\u00b7E-2025-02-13-12.24.58-A-modern-bank-loan-officer-reviewing-home-loan-applications-with-documents-a-calculator-and-a-laptop-on-the-desk.-The-background-includes-a-cozy-li-300x300.webp 300w, https:\/\/hartinihusain.com\/blog\/wp-content\/uploads\/2025\/02\/DALL\u00b7E-2025-02-13-12.24.58-A-modern-bank-loan-officer-reviewing-home-loan-applications-with-documents-a-calculator-and-a-laptop-on-the-desk.-The-background-includes-a-cozy-li-150x150.webp 150w, https:\/\/hartinihusain.com\/blog\/wp-content\/uploads\/2025\/02\/DALL\u00b7E-2025-02-13-12.24.58-A-modern-bank-loan-officer-reviewing-home-loan-applications-with-documents-a-calculator-and-a-laptop-on-the-desk.-The-background-includes-a-cozy-li-768x768.webp 768w, https:\/\/hartinihusain.com\/blog\/wp-content\/uploads\/2025\/02\/DALL\u00b7E-2025-02-13-12.24.58-A-modern-bank-loan-officer-reviewing-home-loan-applications-with-documents-a-calculator-and-a-laptop-on-the-desk.-The-background-includes-a-cozy-li-624x624.webp 624w, https:\/\/hartinihusain.com\/blog\/wp-content\/uploads\/2025\/02\/DALL\u00b7E-2025-02-13-12.24.58-A-modern-bank-loan-officer-reviewing-home-loan-applications-with-documents-a-calculator-and-a-laptop-on-the-desk.-The-background-includes-a-cozy-li-180x180.webp 180w, https:\/\/hartinihusain.com\/blog\/wp-content\/uploads\/2025\/02\/DALL\u00b7E-2025-02-13-12.24.58-A-modern-bank-loan-officer-reviewing-home-loan-applications-with-documents-a-calculator-and-a-laptop-on-the-desk.-The-background-includes-a-cozy-li-60x60.webp 60w, https:\/\/hartinihusain.com\/blog\/wp-content\/uploads\/2025\/02\/DALL\u00b7E-2025-02-13-12.24.58-A-modern-bank-loan-officer-reviewing-home-loan-applications-with-documents-a-calculator-and-a-laptop-on-the-desk.-The-background-includes-a-cozy-li.webp 1024w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\n<p style=\"text-align: justify;\">Nak beli rumah? Bestnya dapat rumah sendiri! Tapi sebelum anda boleh duduk di rumah idaman, ada satu halangan besar yang perlu dilepasi \u2013 pinjaman perumahan! Jangan risau, kalau anda tahu apa yang bank tengok sebelum luluskan loan, semuanya boleh jadi lebih mudah. Jom kita selami lima perkara penting yang bank akan nilai sebelum buat keputusan!<\/p>\n<h2 style=\"text-align: justify;\">1. <strong>Skor Kredit (Credit Score) \u2013 Markah Kewangan Anda<\/strong><\/h2>\n<p style=\"text-align: justify;\">Skor kredit ni ibarat markah ujian kewangan anda. Kalau tinggi, bank lebih yakin nak bagi pinjaman. Kalau rendah, hmm\u2026 mungkin mereka akan fikir dua kali. Bank akan semak rekod CCRIS dan CTOS untuk tengok sama ada anda jenis bayar hutang tepat masa atau suka &#8216;buat-buat lupa&#8217;.<\/p>\n<p style=\"text-align: justify;\"><strong>Tip untuk skor kredit cemerlang:<\/strong><\/p>\n<ul style=\"text-align: justify;\">\n<li>Pastikan semua bil dan hutang dibayar tepat pada waktunya.<\/li>\n<li>Jangan guna kad kredit sampai maksimum, guna sikit-sikit je.<\/li>\n<li>Elakkan mohon banyak pinjaman serentak.<\/li>\n<\/ul>\n<h2 style=\"text-align: justify;\">2. <strong>Pendapatan &amp; Kestabilan Kewangan \u2013 Boleh Bayar Ke Tak?<\/strong><\/h2>\n<p style=\"text-align: justify;\">Bank nak pastikan gaji anda cukup untuk bayar ansuran bulanan. Mereka akan tengok slip gaji, penyata bank, dan kalau anda bekerja sendiri, penyata cukai (income tax) juga penting!<\/p>\n<p style=\"text-align: justify;\"><strong>Apa yang boleh bantu?<\/strong><\/p>\n<ul style=\"text-align: justify;\">\n<li>Pastikan gaji masuk secara konsisten.<\/li>\n<li>Simpan rekod gaji dan dokumen kewangan dengan baik.<\/li>\n<li>Kalau kerja sendiri, tunjukkan pendapatan stabil sekurang-kurangnya setahun.<\/li>\n<\/ul>\n<h2 style=\"text-align: justify;\">3. <strong>Debt Service Ratio (DSR) \u2013 Hutang Vs Pendapatan<\/strong><\/h2>\n<p style=\"text-align: justify;\">DSR ni kira nisbah antara hutang dan pendapatan anda. Bank nak pastikan yang anda masih ada ruang untuk bayar loan rumah tanpa sesak nafas!<\/p>\n<p style=\"text-align: justify;\"><strong>Formula mudah:<\/strong> <span class=\"katex\">DSR=(JumlahKomitmenHutang\/PendapatanBulanan)x100DSR = (Jumlah Komitmen Hutang \/ Pendapatan Bulanan) x 100%<\/span><\/p>\n<p style=\"text-align: justify;\"><strong>Cara nak pastikan DSR cantik:<\/strong><\/p>\n<ul style=\"text-align: justify;\">\n<li>Kurangkan hutang sebelum mohon loan rumah.<\/li>\n<li>Cari sumber pendapatan tambahan.<\/li>\n<li>Jaga rekod kewangan dengan baik supaya bank nampak anda bertanggungjawab.<\/li>\n<\/ul>\n<h2 style=\"text-align: justify;\">4. <strong>Jumlah Deposit (Down Payment) \u2013 Duit Muka Itu Penting!<\/strong><\/h2>\n<p style=\"text-align: justify;\">Lagi besar deposit, lagi mudah loan nak lulus. Kebanyakan bank mahukan sekurang-kurangnya 10%-20% dari harga rumah sebagai deposit.<\/p>\n<p style=\"text-align: justify;\"><strong>Kenapa deposit besar best?<\/strong><\/p>\n<ul style=\"text-align: justify;\">\n<li>Loan lebih rendah, bayaran bulanan pun tak membebankan.<\/li>\n<li>Bank lebih yakin untuk bagi kelulusan.<\/li>\n<li>Berpotensi dapat kadar faedah lebih rendah.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">Jadi, sebelum nak beli rumah, pastikan simpan duit dulu ya!<\/p>\n<h2 style=\"text-align: justify;\">5. <strong>Jenis &amp; Lokasi Hartanah \u2013 Rumah Anda, Risiko Bank<\/strong><\/h2>\n<p style=\"text-align: justify;\">Bank juga tengok jenis rumah yang anda nak beli. Rumah yang lokasi strategik dan nilai pasaran tinggi lebih senang lulus loan sebab lebih mudah dijual semula kalau apa-apa jadi.<\/p>\n<p style=\"text-align: justify;\"><strong>Faktor yang bank tengok:<\/strong><\/p>\n<ul style=\"text-align: justify;\">\n<li>Lokasi rumah \u2013 kawasan bandar lebih bernilai.<\/li>\n<li>Jenis rumah \u2013 teres, kondominium, atau apartmen?<\/li>\n<li>Nilai hartanah \u2013 adakah harga rumah berpatutan dengan nilai semasa?<\/li>\n<li>Risiko pasaran \u2013 bolehkah rumah ini dijual balik dengan mudah?<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">Jadi, kalau nak loan rumah senang lulus, <strong>pastikan anda<\/strong>:<\/p>\n<p style=\"text-align: justify;\">\u2714\ufe0f Skor kredit cantik.<\/p>\n<p style=\"text-align: justify;\">\u2714\ufe0f Ada pendapatan yang stabil.<\/p>\n<p style=\"text-align: justify;\">\u2714\ufe0f DSR tak tinggi sangat.<\/p>\n<p style=\"text-align: justify;\">\u2714\ufe0f Simpan duit deposit secukupnya.<\/p>\n<p style=\"text-align: justify;\">\u2714\ufe0f Pilih rumah yang sesuai dengan nilai pasaran.<\/p>\n<p style=\"text-align: justify;\">Bila semua dah beres, peluang untuk loan lulus lebih tinggi! Jadi, mulakan perancangan kewangan anda sekarang dan semoga berjaya dapat rumah impian! \ud83c\udf89<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nak beli rumah? Bestnya dapat rumah sendiri! Tapi sebelum anda boleh duduk di rumah idaman, ada satu halangan besar yang perlu dilepasi \u2013 pinjaman perumahan! Jangan risau, kalau anda tahu&#8230; <a href=\"https:\/\/hartinihusain.com\/blog\/5-perkara-yang-bank-tengok-sebelum-luluskan-loan-rumah\/\">Read more &raquo;<\/a><\/p>\n","protected":false},"author":1,"featured_media":227,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5,2,4,3],"tags":[],"class_list":["post-226","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ejen-hartanah","category-rumah-baru","category-subsale","category-tanah"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>5 Perkara Yang Bank Tengok Sebelum Luluskan Loan Rumah - Property Business<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/hartinihusain.com\/blog\/5-perkara-yang-bank-tengok-sebelum-luluskan-loan-rumah\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 Perkara Yang Bank Tengok Sebelum Luluskan Loan Rumah - Property Business\" \/>\n<meta property=\"og:description\" content=\"Nak beli rumah? 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