Raub, do you know what is the different between MRTA and MLTA?

my loan has been approved.. i got 2 bank, RHB n Bank Islam..

may i ask something, can i know from those bank, what they offer for me, coz i dont know, what they offer to me.. when i ask them, they want me to meet them, then only they can explain further..

erm..

yup, the corner lot...

rate is blr minus 1.8 - 1.9....zec pkg....but they offer longer tenure priod...

thks guys..ll go hav a look by tml.. the web site show dat the cheapest unit is from 168k isn'it so means is for bumi oni ?

hoho, there us no more 168k....i think 230 k ++

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Added on December 23, 2009, 11:00 pmMRTA = cannot get any $$$ after you buy this, unless u happen something
MLTA = can get $$$ after u sell ur house , or finish settle bank loan... but u have to pay more than MRTA...

for me, i only pay 3k plus only, so i go for MRTA lah....

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Added on December 23, 2009, 11:01 pmanyone lawyer is John Tong ?

This post has been edited by Raub: Dec 23 2009, 11:01 PM

One more thing, on MRTA and you opt for refinance in later stage, you need to purchase a new MRTA package again where else MLTA continue.

Seem like MLTA is better which can get back the money when matured. Thus, the repayment is montly on the MLTA.

Thanks for the information.

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Added on December 24, 2009, 12:14 amThanks for the information.

This post has been edited by king4891: Dec 24 2009, 12:14 AM

Raub, that mean your MRTA is 3k+ ...and if you want to add in ur gf one ..mean another 3k need to pay ?
something like that ?


quote=king4891,Dec 24 2009, 12:12 AM]
Seem like MLTA is better which can get back the money when matured. Thus, the repayment is montly on the MLTA.

Thanks for the information.

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Added on December 24, 2009, 12:14 am

Thanks for the information.

[/quote]

[quote=yoonchuan,Dec 24 2009, 09:02 AM]
Raub, that mean your MRTA is 3k+ ...and if you want to add in ur gf one ..mean another 3k need to pay ?
something like that ?
quote=king4891,Dec 24 2009, 12:12 AM]
Seem like MLTA is better which can get back the money when matured. Thus, the repayment is montly on the MLTA.

Thanks for the information.

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Added on December 24, 2009, 12:14 am

Thanks for the information.

[/quote]

[/quote]


total is 3k o 4 k ++ only..
this take formula to calculate ...based borrower on age , loan amount and tenure..

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Added on December 24, 2009, 11:31 amnot yet receive call to sign s&p..maybe lawyer take long leave for xmas and new year d....

This post has been edited by Raub: Dec 24 2009, 11:31 AM

Raub, thank for ur explanation ...
I just submit all the document yesterday ....
agent told me that HLB is offering the best package ...wondering is true or not lah...u guys mostly loan from HLB ?

hlb offer blr -2 ..best rate d, lock in 5 / 3 % penalty based on loan amount....maximum blr is 9.xx % ....means if after 10 year, blr -2 ...but blr go to 15% = 15 - 2 , but u only pay 9.xx%...

Ohh.....then can i know who from HLB attend to you ?

Does the maximum BLR at 9 stated in offer letter?

Just some info, without MRTA included BLR at -1.9 by HLB.

MERRY CHRISTMAS TO EVERYBODY !!

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Added on December 25, 2009, 1:17 pmWaw, are u sure there will be the maximum BLR stated in offer letter ?
anyone can tell us more abt the BLR thing ? what is the highest BLR that happened before ?

This post has been edited by yoonchuan: Dec 25 2009, 01:17 PM

i am disappointed my unit only got 1 covered carpark.

No need dissapointed
when there is opening for car park selling, u may grab one lah.....

u can choose 2 parking unit 1...

Hi all,
now still got unit in the range rm210k ??

I think so, if the promotion 7% still available, u may get a unit around that price ....
just drop by the show unit ....