who penalty. kwsp?
i think mengurangkan bayaran itu not for refinancing

i heard from the staff themselve about this
i just want to have somebody second me
thanks

finally my loan was aprrove and going to sign by this week.  Hooray

How long you was waiting for PBB already?

My PBB is a guy... same... very slow.

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Added on January 4, 2010, 4:01 pm

Wow... it's really fast... Mind to PM her contact number? Tks.

Estimated on BLR -1.9 vs -1.85 if 30 years BLR at 5.55%:

-1.9%
Loan Amount: RM240,000.00
  Loan Period: 30 year(s)
  Interest Rate: 3.64%
  Monthly Installment: RM1,097.90
Total (RM)  240,000.00 Interest: 155,245.06

Loan & Interest (RM)  395,245.06

-1.85%
Loan Amount: RM240,000.00
  Loan Period: 30 year(s)
  Interest Rate: 3.70%
  Monthly Installment: RM1,104.67
Total (RM)  240,000.00 Interest: 157,684.49

Loan & Interest (RM)  397,684.49

Different only 2-3k but you will lost of penalty total of 3% of 240k at RM8.4k if you decided to sell it within the locking period. Meaning with PBB you will have 8 years locking period whereas other bank only 5 years from the first disbursement which expected start on March 2010. After completion, left only 2 years of bonding period.

We won't know on that time whether want to sell it or rent it. So better opt for other bank other than PBB.

Another example if BLR increase 1% by every 10 years.

BLR -1.9%

Total (RM) Loan :240000 Interest : 186164 Loan & Interest : 426164 

BLR -1.85%

Total (RM) Loan :240000 Interest : 188745 Loan & Interest : 428745

The different still under 3k.

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Added on January 4, 2010, 4:31 pm

If from first drawndown then PBB will the best choice. I personally like PBB for the flexi plan. Provided ATM card right? No charges to redrawn right?

I just call the CO, he said bonding period upon FULL drawndown. Maybe different customer have different terms. I think I will go for UOB, no want to wait anymore.

Is it flexi plan? if yes, how does it work? PBB have the best flexi plan which will save a lot of interest charged but the locking period upon full drawndown.

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...

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

tak la wo...de lawyer firm jus give me de bill. it stated in de bill,

- Facilitis Agreement/Loan Agreement Cum Assignment rm 2092
- Less 30% under SRO - RM 627.60

that is another disbursements total is RM 1664.4...so total SUM UP i need to pay 3134.72

yes, mine is L type, and i din request for discount, they jus bill me -30% lol..

i paid by cheque...i dun think their lawyer firm got swipe machine kua...

ya, mine is L type, so mine RM 3134 consider reasonable???

mine is 9th floor....

for those who took uob loan, do you realised that the calculation on mrta is based on interest rate of 7%? why are they charging higher?

previously was thinking to sign with uob, and i said i want to get it from amassurance....the banker also didnt say cannot geh

Hmm..abit risky because in the promotion letter there is this clause stated that if you did not take loan with their panel, they can forfeit the benefit that they offer to u.

king & eva. updated
________________________________

i have offer letter infront of me
i dont know which page i should look at

asked them, forgot what they answered