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

hkpbb
post Nov 13 2008, 07:45 PM
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Special Rate housing Loan
First Year 3.80% for taking MRTA


All below was Free Legal document Package:

Public Home Plan

Normal Term Loan Package

Loan Amount :150k - 350k
Interest: BLR-2.0 Whole Tenure

Loan Amount :350k - 500k
Interest: BLR-2.1

Loan Amount :>500k
Interest: BLR-2.2


Full Flexi Package

Loan Amount :200k - 400k
Interest: BLR-2.0 Whole Tenure

Loan Amount :400k - 500k
Interest: BLR-2.1

Loan Amount >500k
Interest: BLR-2.2


Public Bank Commercial Plan

Loan Amount :200k - 300k
Interest: BLR-1.5 Whole Tenure

Loan Amount :300k - 400k
Interest: BLR-1.6 Whole Tenure

Loan Amount : > 400k
Interest: BLR-1.7 Whole Tenure


Feel Free take a look on our latest package. Thank

Best Regards
HK Law
0166199989
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yewkhuay
post Nov 16 2008, 12:25 AM
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any bank absorb the penalty fees by previous loan terminated early to refianance?


Added on November 16, 2008, 12:26 amany bank absorb the penalty fees by previous loan terminated early to refianance?

This post has been edited by yewkhuay: Nov 16 2008, 12:26 AM
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Minolta
post Nov 16 2008, 12:01 PM
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Eon bank package 3 absorbs penalty up to 3% of loan plus pay for all legal fees for new loan agreement. Rate is BLR-1.6% for first 8 years, then BLR-2.4% TA. Lock in is long though....8 years with penalty of 5%.
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ttwangsa
post Nov 20 2008, 11:23 AM
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QUOTE(abyss8 @ Nov 8 2008, 01:58 AM)
What eDogawa said is absolutely right.
I'll give some example here...

Mr. X wanna buy a house worth RM500k.
He have RM250k cash.
He want to take a loan of 90% margin.
Preferable flexibility.

Package A from Bank A
BLR -2.3% WHOLE TENURE ZEC
T&C:
1. allow pre-payment not exceed 50% of loan amount or else will be 
charge 1.5% on the amount exceeded.
2. 3 days notice to make withdrawal. RMxxx will be charge per transaction.

Package A from Bank B
BLR -2.0% WHOLE TENURE ZEC
T&C:
1. Flexibility to dump-in money. Zerorise housing loan within bonding period without any penalty fee AS LONG AS the subject property are not refinance / discharge from the bank.
2. cheque book and ATM card provided to ease withdrawal. only RMxx will be charge annually to maintain current account.

Between the above 2 package of housing loan offer by 2 different banks, which package do you think Mr. X will take up??
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if i was mr X
i'd take bank A
any dumping, i'd dump into ASB or anything that provides me better rate than BLR - 2.3
but that's just me.
i have the luxury of ASB.
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rico_hard82
post Nov 24 2008, 12:56 PM
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New AIA rate!!

------------------------Loan To Value----------- Loan To Value
----------------(more than 80% to 90%) -----(80% & Below)

Zero Moving ----------5.85% p.a. ---------------5.75% p.a.
Cost (ZMC)

Non Zero --------------5.70% p.a.--------------- 5.60% p.a.
Moving Cost (NZMC)

* Term & condition apply


Rizal Ismail
019-611 5974
AIA mortgage Planner
Rizalaia@gmail.com
http://financial-thought.blogspot.com/



edited by b00n because size is irritating

This post has been edited by b00n: Nov 24 2008, 01:04 PM
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ttwangsa
post Nov 27 2008, 10:31 AM
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what's the minimum amount?
what is the maximum duration?
what is the rate with or without MRTA?
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DannyOP
post Nov 27 2008, 07:23 PM
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which one r u referring to? If it's my via my co. ie. NYLife :-

1) No min amount, if lower than RM100k client must cover his/her own legal fee
2) Max duration is 45yrs depending on age
3) Rate is BLR - 2.5% (4.0% based on BLR of 6.5%)

Additional info :-
1) We are an financial broker for most local/foreign banks. Easy 1 stop submission for your loans ie. 1 loan application will be submitted to 10+ (& growing) panel banks.
Within 3 days a pre-approved offer will be given. Saves you time + money ie. you do not need to travel and submit 10+ applications on your own.
2) Better rates via NYLife than personal application ie. if you apply for a RM500k loan, your rates is as per RM500k, however NyLife applies for RM50-100million loans per week, your rates will be better going through us with higher negotiation power.
3) Loan application services are f.o.c.

* Besides housing loans, we are a 1-stop solution for all your financial and property needs ie. buying/selling properties, loans, insurance, legal advise, estate planning & investment.

This post has been edited by DannyOP: Dec 11 2008, 02:13 AM
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JimJimKC
post Dec 4 2008, 02:40 PM
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I've just signed my offer letter so just sharing here..


AMBANK

Properties value - 340k
BLR - 2.25% (approved rate, promo rate is -2.3%)
Whole tenure 30yrs
RM5/month maintenance
RM100 setup fees. RM10 Standing Order stamping.
Full flexi, anytime withdrawal/deposit
daily interest calculation

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hanif444
post Dec 5 2008, 09:07 AM
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Anyone know about UOB BLR now?
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giasens
post Dec 5 2008, 09:57 AM
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6.5%
effective 1st dec - maybank, cimb, uob, eon, hong leong, alliance, public bank
effective 3rd dec - ocbc

6.55%
effective 1st dec - citibank

correct me if im wrong
http://biz.thestar.com.my/news/story.asp?f...42&sec=business

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b00n
post Dec 5 2008, 10:13 AM
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We'll see mostly BLR either to be at 6.5% or 6.55%.
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johnchew88
post Dec 6 2008, 02:01 PM
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Information:

Bank: hong leong
Mortgager's Contact: -
Mortgager's Location: -

Non-ZEC:
Type of loan packages:

Under Construction
1st year: 2.38%net
2nd year onwards: BLR 2.88%net
thereafter:-1.30%(with MDTA)
Maximum year of tenure: 30-65 whichever is earlier

ZEC:
Type of loan packages:

Under Construction
1st year: 2.88%net
2nd year onwards: 3.88%net
thereafter:-1.30(with MDTA)
Maximum year of tenure: 30-65 whichever is earlier

If you wan more information u can massage here and email me johnchew2002@hotmail.com...i will reply u as soon as possible...thank biggrin.gif
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hanif444
post Dec 6 2008, 03:14 PM
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thanks..
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ttwangsa
post Dec 9 2008, 03:28 PM
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AFAIK, only alrajhi + PBB + CIMB give sub 100k loans, yes?
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yewkhuay
post Dec 10 2008, 12:20 AM
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looking for loan refinance tht give ZMC , 160K, pm me ur rate, preferable no lock in period n fixed rate.
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hanif444
post Dec 10 2008, 02:33 PM
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i got approved by UOB mortgage loan for 216k BLR - 1.8%...base on today BLR 6.50 - 1.80=4.70% i paying..is consider good rate?
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ttwangsa
post Dec 10 2008, 02:36 PM
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affin blr - 1.9 FMC
cimb blr - 2.x
i think you can get better.
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DannyOP
post Dec 11 2008, 02:15 AM
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loans are highly subjective to customer's credit profile also as well as a host of other factors ie. length of loan, loan amount etc, for good profile clients we got 6.5 - 2.5 = 4.0%. So far still unbeatable. Besides clients other bankers are also welcomed to join our panel to ensure you have the best rates for your clients. Kindly pm for more details.

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hanif444
post Dec 11 2008, 11:47 AM
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6.5% - 2.5%..i' not that high profile yet...
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ej_italia
post Dec 11 2008, 11:01 PM
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What if i'm working for my own company and i want to get home loan up to 300k. Heard that now banks are very stringent, what would be the requirement?
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