wat rate are PBB offering? wat rate are UOB offering? got letter offer already? i got SC letter of offer oli

PBB -1.85%
UOB -1.85%

u all sign s&p dy ar?

Same... all -1.85%.

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Added on December 30, 2009, 4:54 pmNot yet. I will sign next week. SC what rate?

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Added on December 30, 2009, 4:54 pmAnyone get -1.9% here?

This post has been edited by king4891: Dec 30 2009, 04:54 PM

i signed last Sun...

sc also -1.85 (some more montly rest) cheh....no good...

Yea..what they offered now attractive at all.Cant loan the legal fees n MRTA into the loan...

today oli i apply pbb loan

Yes totally agreed on that. OCBC not only slow, they never keep their promise as well. promise to call me back but never call me back at all. very very bad customer service. will never deal with this bank anymore.

i think apply from other banker better rather than applying from the banker appointed by the developer. OCBC tot they will get all the loan from the developer because he is stationed there. i havent sign the agreement yet

Yes, get daily rest better. If not mistaken, PBB (if not will be SC) have a ATM card for the loan account and it's daily rest. The CO told me when you have extra money or get salary just put all in first. Then slowly you withdraw for expenses. Will save a lot of interest. No charges when withdraw and no minimum limit.

UOB charge RM50 per withdrawal and minimum withdraw RM5k.

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Added on December 30, 2009, 5:42 pmAgree!!!!!!!!! Ban OCBC!!!!!!!!!! Then I'm sure their service will be improve.

This post has been edited by king4891: Dec 30 2009, 05:42 PM

I just got a call from UOB saying my loan approved. MoF is 90% at BLR - 1.85. The only problem is it is normal term loan not flexi package. I enquire why is that so. But the Officer says for this project it is term loan. Not offering flexi package. Not sure with other banks as there are no news yet. I'm not sure why they are giving term loan but I notice something in the additional letter that the developer give for the 3 year interest free agreement. In the letter, clause 2 reads as follow:

The Loan shall only be obtained from the Panel Financiers and shall mean a term loan granted to the Purchaser pursuant to the terms and conditions approved by the Vendor and not any other type of banking facility obtained by the Purchaser to finance up to ninety per centum (90%) of the Purchase Price of the Parcel.

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Added on December 30, 2009, 5:59 pmI think the developer already discuss with their Panel Financiers on this interest free period thing. So to guarantee the banks make money for this deal, they can only grant term loan so we as buyer cannot prepaid the account fully thus making the bank lose money in the loan. Hope I'm wrong where other banks willing to give flexi loan.

This post has been edited by KChan: Dec 30 2009, 05:59 PM

My UOB told me is semi-flexi. Can dump extra to deduct principal. Thus, can withdraw from the account too.

I got a call from developer this morning saying that my booking RM2k transaction through credit card is not through. They asked me to come and pay the RM2k by cash or cheque. I've called up my credit card bank but they said they did not cancel/reject the transaction. In fact, they did not received such a transaction actually. So I called the developer again and another lady picked up and said will ask the PIC to call me back but they didn't.
Is this something fishy? Anyone have similiar situation like me?

Have you compare the price between MRTA and MLTA?

the rm2k was charged to my credit card, viewed it this morning.

MLTA a bit more expensive but can choose to pay monthly or yearly. The important is can get back the moeny right?

i got the same call and he told me that my booking of RM2k transaction through credit card is not through. i haven't check with my bank though.

Got a call from my UOB agent. My loan is approved but the Letter of Offer is still not out.

Even though I have not seen the Letter of Offer, I think the terms are better than SC.

The main thing is UOB is on daily interests whereas SC is on monthly interests.

Also, UOB lets you include the legal and stamping fees into the loan.

Anyone is taking EPF to pay the 10% deposit? I have already signed the S&P agreement last Sun.

I can't submit to EPF yet because the S&P & Loan Agreement is not out yet and I think this will take another week or two.

How long will it take to withdraw from EPF?

1) Inside uob offer letter, mrta is compulsory to be taken.
sa say can take out mrta.
can i apply mrta from other insurance and retain the policy with me instead of passing to the bank?

2) uob offer letter given is based on 40 years loan.
i request to change it to 25 years but sa ask to sign current offer letter first then after 1 week will prepare supplementary offer letter. got no black & white, how arr??? later im stuck with a 40 years loan. die arr!!

3) is uob offering term loan or semi-flexi loan?
is everyone out there who applied uob getting the same package or diff?
can we request to change the tnc??