In Public Bank, we do offer low and attractive interest rate, high margin of finance, fast approval. If you need loan to finance your house or need to know more details on housing loan, i can always help you out. You can also op to refinance existing property to save interest/cash out. Want to know how much you can save from refinancing existing property? Ask me for more!

Public Bank offers flexible and affordable Home Loan packages that provide value added benefits and greater cost savings:

-High margin of financing up to 95% including MRTA & legal fees
-Extended repayment period up to 40 years or age 70
-Overdraft up to 70% of the combined loan amount
-Daily rest interest calculation
-Redraw facility available
-Free credit card for entire loan tenure

Terms & conditions apply



Call / send me personal message / sms / reply me anytime, i am free even weekends. Looking forward to hear from you soon. Have a nice day ahead!


Jason Wong

Senior Sales and Marketing Executive
Public bank.
012-3747588

This post has been edited by Jasonpbb: Aug 17 2009, 06:53 PM

Hi,

Glad to hear from you. For foreigner, same procedure and process. However, margin of finance slightly lower (60%-70%). Below are the documents required:





Looking forward to hear from you soon. Have a nice day!

U G PM

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Added on August 12, 2009, 7:58 amU G Pm too

This post has been edited by Jasonpbb: Aug 12 2009, 07:58 AM

Mymaran4u,

I replied you via personal message. Thx.

Bro,

Give me your email or contact number so that i can show you the charts and explain further on our loan package. Btw, i have calculated and you can save up to RM40k interest. Looking forward to hear from you.

You got pm from me. Feel free, give me a call and i will explain further to you. Thanks and have a nice day ahead!

Replied via Pm. Thanks.

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Added on August 31, 2009, 1:54 pmReplied via pm. Thanks.

This post has been edited by Jasonpbb: Aug 31 2009, 01:54 PM

Replied via Pm. Thanks.

Got it, and replied via pm. Have a nice day ahead!

replied via pm. Thanks and have a nice day ahead!

Hi acad615,

Glad to hear from you. Yes, your information is correct and accurate. We started this since beginning of the month nov. Thanks and have a nice day!

Hi,

Let me clarify some of the issues of your scenario. Now we have new policies which applies to most of the banks. Where interest rate can only go up to BLR-1.8% p.a . Before this, we have BLR-2.2%, even BLR-2.3% . It appeared in the newspaper just recently, that the bank is not earning money, therefore interest rate for all the local banks only up to BLR-1.8%. Regarding, the lock in period, most of the banks have standard lock in period of 5 years. Some even go further than 5 years (7 years). So, if you plan to refinance your loan, and do not want to undergo penalty, might as well you stay with Public bank until the lock in period mature. After the lock in period, you can refinance anytime without paying any penalty to the bank. However, if refinance can save you 30k and the penalty is only 10k. I would say, you can go ahead with the refinancing plan. Refinance is only up to 90%, same applies to new purchase. Unless you want to include MRTA and Legal fees inside, then we called it 90% ++ (up to 95%). Hope i clear your doubts regarding housing loan and refinancing plan.

No worries workingal, if you are still unsure about the refinance package, you can always consult me. I will definately advise you on how you can do it. I agree that some of the financial advisor, they did not advice professionally due lack of experiance. Regarding the lock in period, even you refinance to other bank, the bank will also lock you for 5 years. Some even 7 years. It is just a standard policy by the bank.

Public Bank HQ.

All Pm replied. Looking forward to hear from you guys and have a nice day ahead!

You got Pm. Looking forward to hear from you. Thanks.

Esprit87,

i already pm you the latest loan package. thanks.

I only deal in housing loan , commercial loan and trade financing.

You got pm, Public bank latest package. Thanks.

Pm you already, let me know if you are interested. Thanks.!