Q: Adakah bank mengambil kira akaun Overdraf atas cagaran sijil ASB sebagai komitmen?
A: Ya, bank akan mengambil kira akaun Overdraf walaupun atas cagaran sijil ASB sebagai komitmen. Berdasarkan pengalaman, kiraan adalah berdasarkan outstanding balance, dan bukan saiz atau limit akaun OD
Based on my experience applying for housing loan before, first the bank will check on our CCRIS record…any credit record will appear in the system, includes our OD.
For my case last time with CIMB, their calculation for my commitment with OD as below.
- Monthly commitment = 0.6% x [outstanding balance in OD account]
I have 2 OD accounts…1 with CIMB and 1 with RHB…CIMB calculated my commitment for both OD accounts with the same formula
The point here is, they calculate the commitment based on [outstanding balance in OD account], and not the Limit amount of the account…so let’s say your OD limit is RM100k…and you only utilise RM10k [outstanding balance]…so your OD commitment will based on the 10k…and not your account limit which is 100k
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