Its refinance but u cannot pay more than 50% of the loan that u borrowed from bank or else u'll kena penalty.

Not KWSP..its ur bank who is gonna penalty u...KWSP will pay directly to the banker.

MV got carefour ma....sunway got giant rite???

after bz for whole day, nw onli got time follow back on this thread...

i did apply for PBB as well...PBB SA told will submit for me -1.9%...but end up only approve for -1.8%...WTH...all the bank i apply  including PBB, SC, UOB get back to me within 4 working days...consider quit fast d la...

when phase 2 launching???price wise le???today i went TBK to sign de loan aggrement..paid 3k++ for lawyer fee n etc etc...nw waiitng for my EPF withdrawal...jus check kwsp website, still dalam process...

How long you was waiting for PBB already?

can get 30% discount meh if pay legal fees ourselves?

but i believe we need to negotiate with lawyer and has nothing to do with which banks that we intend to secure the loan rite?

nope if zero moving cost
saw my offer letter with uob
it put perfectly clear how much they want to absorb into installment
how much is the legal fees

so macam mana? i still ask the solicitor or how?

Bros...is RM50 per withdrawn....min Rm2000....increment in 1k.

Mean you take RM10k also RM50 only....RM2k also RM50.

For prepayment, read clause C:

Prepayment before bonding period (5 year)....of coz only reduce the interest and consider as advanced payment (coz bank wanna earn money from u)
Once 5 year bonding done..u can pay all and exit.

U guy sign the letter without asking this kind of question? All the bank is same la...that why they call it bonding period...to prevent you settle fast.

Get your fact correct first before putting here...don't bring misleading information and use the word...hey, that what I heard. Bank is handling money...everything must be black and white.

Gosh...
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PS: My taking UOB...1.85/1.9 is only few hundred different down 20 yrs and I believe I could have settle it much earlier. Plus, this is the only bank that offer my 90+3% loan (I include lawyer fee + MRTA) with 40 yrs repayment.

Anyone that have reliable information to share on the surrounding area? especially the smell and traffic info.

Check through my previous post to compare the estimation BLR saving vs bonding period penalty. Then you will think -1.9% vs -1.85% not much different around 2-3k only.

If you plan to sell within bonding period, then go for PBB. If after BP, then go for UOB.

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Added on January 6, 2010, 1:39 am

For UOB I'm sure any cent paid to the account will deduct the principal immediately. (Meaning interest only calculate daily on the remaining HL)

Here I go... this is what my CO gave me on the loan summary:

1) Interest rate: blr -1.85% with daily rests. ( Excess payment amount will deducted from principle, the interest charge on the balance of principle with daily rest).

2) blr +2.25% if 2 months in arrears. (2 months not made any prepayment)

3) blr +3.5% if 3 months in arrears.

4) Prepayment:

- prepayment amount will be effected AFTER full disbursement.
- 5 years lock-in period of first drawdown.
- prepayment amount can't exceed 50% of loan amount for first 5 years, otherwise 3% penalty on excess payment.
- 1 month notice if prepayment amount > 50% of purchase price (if you wish to pay). <-- If you didn't give notice then any amount exceeded will be charge 3% penalty. If you give notice then the exceeded amount will be treated as advance payment will use to pay of your montly prepayment.
- 3% penalty of original loan amount if you wish to refinance/ resale/ fully settlement.

Redrawing:

- min RM2,000 & multiple of RM1,000 (e.g.: RM2000, 3000, 4000, 5000.....) on your excess payment amount, with 1 week notice.
- the redrawn amount will be credited on saving acct @ current acct. (If you wish to open acct with UOB).

5) Other charges:

- redrawal fees: RM50 per transaction.
- RM5 for cheque issue (for redrawn purpose, if you do not open acct in UOB).
- cancellation Fees: RM2,000 (after accept UOB OFFER LETTER).

6) Other: MRTA are OPTIONAL.

Hope it's clear all the doubt for those who decide to take UOB.

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Added on January 6, 2010, 2:42 am

Thanks for sharing and I'm sure KLCC also started with a poor image and cheap to stay area. 

pbb charge bankruptcy fees- RM75 per applicant and stamping fees for standing instruction RM 10. UOB got charge this charges upfront?

i havent sign cos there's hidden cost apply....i am still comparing between uob and pbb

non zec ( i want to pay legal fees and mrta myself)

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Added on January 6, 2010, 9:49 am
uob got hidden cost?

i do think bankruptcy search is under legal fees
they charge you around 1 thousand for disbursement fee in loan agreement
including bankruptcy search

wow.. thanks alot , AbangCorp

please update my .. my unit is B1-12-06 

Any 1 gets PBB offer letter??Izzit full flexi loan??Each time withdraw need to pay RM50??