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> Latest mortgage rate for housing loan packages, All Mortgagers are welcomed to post...

feralee
post Nov 19 2009, 11:27 AM
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QUOTE(airline @ Nov 18 2009, 08:14 PM)
as i know Citibank and HSBC bank still giving.
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any dateline?
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airline
post Nov 19 2009, 01:35 PM
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fast if want.
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alextcs
post Nov 19 2009, 01:53 PM
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Latest of the latest offer i received, should be the last offer:-

New house under construction, property value = RM350,000
Loan 90%
ZMC
30 Years

PPB offer -> BLR - 2.1, waived penalty of my existing PPB housing loan (around RM3800)
SCB offer -> BLR - 2.51 first two years, then BLR - 2.31 the rest

Both flexi, RM10 per month charges, MRTA.

All sifu, which offer should i accept?

Kindly advise.

Thanks. smile.gif
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onnying88
post Nov 19 2009, 03:40 PM
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QUOTE(alextcs @ Nov 19 2009, 01:53 PM)
Latest of the latest offer i received, should be the last offer:-

New house under construction, property value = RM350,000
Loan 90%
ZMC
30 Years

PPB offer -> BLR - 2.1, waived penalty of my existing PPB housing loan (around RM3800)
SCB offer -> BLR - 2.51 first two years, then BLR - 2.31 the rest

Both flexi, RM10 per month charges, MRTA.

All sifu, which offer should i accept?

Kindly advise.

Thanks. smile.gif
*




If you plan to stay with the loan for long term (more then 10 years) then SCB will be better choice for you. The 0.21% different every month already need to pay extra RM40/mth to PBB. In total 30years you already saved RM16k+ with SCB. Minus out RM3800 penalty you still saved RM12200+.
But this only only for long term calculation. (30years)

If you plan to refinance or sell the house in 5years or shortly, the PBB will be a better choice.
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alextcs
post Nov 19 2009, 05:59 PM
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QUOTE(onnying88 @ Nov 19 2009, 03:40 PM)
If you plan to stay with the loan for long term (more then 10 years) then SCB will be better choice for you. The 0.21% different every month already need to pay extra RM40/mth to PBB. In total 30years you already saved RM16k+ with SCB. Minus out RM3800 penalty you still saved RM12200+.
But this only only for long term calculation. (30years)

If you plan to refinance or sell the house in 5years or shortly, the PBB will be a better choice.
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aiyo.... headache..... difficult to choose.....

i heard new condition from scb, if we put in 70% extra money in the current account for 30days, then will kena extra 1% interest rate.....

confusing...... rclxub.gif

pbb or scb..... rclxub.gif
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alsree786
post Nov 19 2009, 07:59 PM
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I'd always thought that the interest rates for home loans was above BLR.

I would like to know from those who have applied for loans, the rates thrown about in this thread e.g. BLR - 2%, BLR - 1.5%, will this rate be the same for the duration of the loan or will this rate below BLR be only for the first few years??
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onnying88
post Nov 19 2009, 08:23 PM
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QUOTE(alextcs @ Nov 19 2009, 05:59 PM)
aiyo.... headache..... difficult to choose.....

i heard new condition from scb, if we put in 70% extra money in the current account for 30days, then will kena extra 1% interest rate.....

confusing......  rclxub.gif

pbb or scb.....  rclxub.gif
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Yes, the 70% offset interest capping is confirm and it's already in force for some times already.
But then, 70% of RM350k = RM245k. If you think you will have this money in short time, then go for PBB lo. smile.gif


Added on November 19, 2009, 8:26 pm
QUOTE(alsree786 @ Nov 19 2009, 07:59 PM)
I'd always thought that the interest rates for home loans was above BLR.

I would like to know from those who have applied for loans, the rates thrown about in this thread e.g. BLR - 2%, BLR - 1.5%, will this rate be the same for the duration of the loan or will this rate below BLR be only for the first few years??
*




If you refer to 5years+ ago, Yes, all the interest rate for housing loan will be around BLR+XX%.
Now whole market trend already become BLR-XX%. smile.gif

And the BLR-XX% will be used to calculate interest for whole tenure of your loan.

This post has been edited by onnying88: Nov 19 2009, 08:27 PM
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mwchong
post Nov 20 2009, 03:31 PM
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Real Property Gain Tax To Stay.
Property: RPGT to go ahead, says minister. The government will go ahead with its plan to implement the 5% RPGT on Jan 1, 2010, says second finance minister Datuk Seri Ahmad Husni Hanadzlah. The tax to be imposed on gains from property disposal is irrespective of the holding period and category of owners. (Source: New Straits Times)
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VeeJay
post Nov 22 2009, 07:35 PM
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Folks, I'm interested in refinancing my house, currently with maybank (rm240K)

Any sales/officers here, please contact me via PM.

Thanks.
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p3nang
post Nov 22 2009, 11:32 PM
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Your 1 stop financing solutions provider (ING)

Services provided are:
1) Free policy review
2) High interest saving account
3) EPF investment
4) ING Home Loan


Feel free to contact me.
denny@insured-life.com
017-4387038
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Terel
post Yesterday, 10:13 AM
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Veejay, I've pm-ed you. Check your inbox? =)
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PCBuddy
post Yesterday, 04:58 PM
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QUOTE(alextcs @ Nov 19 2009, 01:53 PM)
Latest of the latest offer i received, should be the last offer:-

New house under construction, property value = RM350,000
Loan 90%
ZMC
30 Years

PPB offer -> BLR - 2.1, waived penalty of my existing PPB housing loan (around RM3800)
SCB offer -> BLR - 2.51 first two years, then BLR - 2.31 the rest

Both flexi, RM10 per month charges, MRTA.

All sifu, which offer should i accept?

Kindly advise.

Thanks. smile.gif
*






This offer still avaiable?All bank not fixed their BLR-1.8%?
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Terel
post Yesterday, 06:39 PM
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I'm sure the banks will be finding a way to get around the -1.8%
Perhaps with different wording, rebate or other incentives.
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