Jan 5 2010, 11:32 PM
QUOTE(AbangCorp @ Jan 5 2010, 09:59 PM)
uob
if you want to make an extra payment, same like cannot take the money back
because they charge you 50 ringgit per 1000 ringgit withdrawn
and minimum withdrawal is 2000 ringgit
so if you do the extra payment, same like you cannot withdraw it back
withdraw it, they will charge you 5%, not untung at all
theres a killer clause says that if you keep on not paying in patern 2 month time, keep on not paying them
they can increase your interest by 2.25% above BLR which is i thing unlikely unless recession
or on the other way of looking at it is bank will make sure you cannot pay at all at the end, you need to forfeit your house
bank want to lelong your house to take their money back
ocbc i heard they have detailed quotation of all legal fees and discount here and there
Bros...is RM50 per withdrawn....min Rm2000....increment in 1k.if you want to make an extra payment, same like cannot take the money back
because they charge you 50 ringgit per 1000 ringgit withdrawn
and minimum withdrawal is 2000 ringgit
so if you do the extra payment, same like you cannot withdraw it back
withdraw it, they will charge you 5%, not untung at all
theres a killer clause says that if you keep on not paying in patern 2 month time, keep on not paying them
they can increase your interest by 2.25% above BLR which is i thing unlikely unless recession
or on the other way of looking at it is bank will make sure you cannot pay at all at the end, you need to forfeit your house
bank want to lelong your house to take their money back
ocbc i heard they have detailed quotation of all legal fees and discount here and there
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.
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