Lowyat.NET Forums

Welcome Guest ( Log In | Register )

LYN wins Intel-Lenovo-Tangs Blogathon challenge. Thank you everybody!
53 Pages « < 51 52 53 
 RSS feedBump TopicReply to this topicStart new topicStart Poll

Outline · [ Standard ] · Linear+

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

Share on | Track this topic | Email this topic | Print this topic
feralee
post Nov 19 2009, 11:27 AM
Show posts by this member only |This post's rating (0+, 0-) | Post #1041


Enthusiastic (R)(C)(tm)
*******

Group: Senior Member
Posts: 4,164
Ratings earned: 0+, 0-
Ratings given: 0+, 0-

Joined: Aug 2005
From:






QUOTE(airline @ Nov 18 2009, 08:14 PM)
as i know Citibank and HSBC bank still giving.
*



any dateline?
unsure.gif
User is offlineProfile CardPM
Go to the top of the page
+Quote Post
airline
post Nov 19 2009, 01:35 PM
Show posts by this member only |This post's rating (0+, 0-) | Post #1042


On my way
****

Group: Senior Member
Posts: 545
Ratings earned: 0+, 0-
Ratings given: 0+, 0-

Joined: Feb 2007
From: Sri Hartamas
fast if want.
User is offlineProfile CardPM
Go to the top of the page
+Quote Post
alextcs
post Nov 19 2009, 01:53 PM
Show posts by this member only |This post's rating (0+, 0-) | Post #1043


Newbie
*

Group: Junior Member
Posts: 12
Ratings earned: 0+, 0-
Ratings given: 0+, 0-

Joined: Feb 2009
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
User is offlineProfile CardPM
Go to the top of the page
+Quote Post
onnying88
post Nov 19 2009, 03:40 PM
Show posts by this member only |This post's rating (0+, 0-) | Post #1044


Casual
***

Group: Junior Member
Posts: 451
Ratings earned: 0+, 0-
Ratings given: 0+, 0-

Joined: Feb 2008
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.
User is offlineProfile CardPM
Go to the top of the page
+Quote Post
alextcs
post Nov 19 2009, 05:59 PM
Show posts by this member only |This post's rating (0+, 0-) | Post #1045


Newbie
*

Group: Junior Member
Posts: 12
Ratings earned: 0+, 0-
Ratings given: 0+, 0-

Joined: Feb 2009
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.
*




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
User is offlineProfile CardPM
Go to the top of the page
+Quote Post
alsree786
post Nov 19 2009, 07:59 PM
Show posts by this member only |This post's rating (0+, 0-) | Post #1046


On my way
****

Group: Senior Member
Posts: 687
Ratings earned: 0+, 0-
Ratings given: 0+, 0-

Joined: Jun 2007
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??
User is offlineProfile CardPM
Go to the top of the page
+Quote Post
onnying88
post Nov 19 2009, 08:23 PM
Show posts by this member only |This post's rating (0+, 0-) | Post #1047


Casual
***

Group: Junior Member
Posts: 451
Ratings earned: 0+, 0-
Ratings given: 0+, 0-

Joined: Feb 2008
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
*



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
User is offlineProfile CardPM
Go to the top of the page
+Quote Post
mwchong
post Nov 20 2009, 03:31 PM
Show posts by this member only |This post's rating (0+, 0-) | Post #1048


Getting Started
**

Group: Junior Member
Posts: 115
Ratings earned: 0+, 0-
Ratings given: 0+, 0-

Joined: Oct 2009
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)
User is offlineProfile CardPM
Go to the top of the page
+Quote Post
VeeJay
post Nov 22 2009, 07:35 PM
Show posts by this member only |This post's rating (0+, 0-) | Post #1049


Getting Started
**

Group: Junior Member
Posts: 88
Ratings earned: 0+, 0-
Ratings given: 0+, 0-

Joined: Aug 2005
Folks, I'm interested in refinancing my house, currently with maybank (rm240K)

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

Thanks.
User is offlineProfile CardPM
Go to the top of the page
+Quote Post
p3nang
post Nov 22 2009, 11:32 PM
Show posts by this member only |This post's rating (0+, 0-) | Post #1050


Getting Started
**

Group: Junior Member
Posts: 151
Ratings earned: 0+, 0-
Ratings given: 0+, 0-

Joined: Mar 2009
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
User is offlineProfile CardPM
Go to the top of the page
+Quote Post
Terel
post Yesterday, 10:13 AM
Show posts by this member only |This post's rating (0+, 0-) | Post #1051


Getting Started
**

Group: Junior Member
Posts: 91
Ratings earned: 0+, 0-
Ratings given: 0+, 0-

Joined: Feb 2009
From: Kuala Lumpur
Veejay, I've pm-ed you. Check your inbox? =)
User is offlineProfile CardPM
Go to the top of the page
+Quote Post
PCBuddy
post Yesterday, 04:58 PM
Show posts by this member only |This post's rating (0+, 0-) | Post #1052


Newbie
*

Group: New Member
Posts: 2
Ratings earned: 0+, 0-
Ratings given: 0+, 0-

Joined: Aug 2009
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%?
User is offlineProfile CardPM
Go to the top of the page
+Quote Post
Terel
post Yesterday, 06:39 PM
Show posts by this member only |This post's rating (0+, 0-) | Post #1053


Getting Started
**

Group: Junior Member
Posts: 91
Ratings earned: 0+, 0-
Ratings given: 0+, 0-

Joined: Feb 2009
From: Kuala Lumpur
I'm sure the banks will be finding a way to get around the -1.8%
Perhaps with different wording, rebate or other incentives.
User is offlineProfile CardPM
Go to the top of the page
+Quote Post
« Next Oldest · Property Talk · Next Newest »
 

53 Pages « < 51 52 53
 Bump TopicReply to this topicTopic OptionsStart new topic
 



----debug section please ignore----
Lo-Fi Version Time is now: 24th November 2009 - 04:39 AM
All Rights Reserved 2003-2009 Vijandren Ramadass (~living on a prayer~)
Powered by Invision Power Board(Trial) © 2009  IPS, Inc.