how is this possible? how he get your info/ supporting docs?

Where else do you think they get our info from?

hey did anybody take al rajhi loans?.. they are also the end financier.. it seems like their offer is good o..cause the banker told me..

* -2.45%,
* max tenure
* The legal fee their bank will absorb and it is not factorered into the loan amount..
* no lock in period..
* the only term which i was told is the legal fee lock in is 5 yrs in the event i sell the property before 5 yrs, i jz need to pay the legal fee only.

i even asked him specifically what more hidden T&C which u didnt tell me.. he say no more.. if thats the case then i thnk its quite a good deal.. ??

If not mistaken, Al-Rajhi doesn't use BLR. I've met their banker few months back, the BFR was 6.9% at that time.

they dont offer semi-flexi or fully-flexi loan package..only standard conventional loan ( E.g : monthly repayment RM1.5k, u put RM2k..the extra RM500 cannot take out)

urm so does this mean the remaining 500 would be for next month ?.. cause i dun mind if i put extra money in then they take for next month's payment...

btw what is BFR?...

base finance rates (BFR). Saw a website said it is for Islamic loan.

Anyone got the letter of offer from bank already..?

whats the difference between BLR and BFR?..

Tried googling and noticed that it is the same?.. BLR at 6.6% and BFR is also at 6.6%...

BFR should be fixed.. means it won't changed in future.. while BLR could be revised by Bank Negara.

pls correct me if i am wrong.

my friend say islamic banking a lot hidden charges and not transparent. may want to research more before commit.

fixed means ok?.. cause BLR may increase in the future?...

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Added on June 26, 2012, 3:50 pmwhat other hidden charges ar?...

This post has been edited by happy_gal: Jun 26 2012, 03:50 PM

she took one islamic loan for one of her apartments, and she say not like traditional loans where they tell u which is deduct from principle which is interest. very hard to justified.

that's her experience la, i am not sure cos i m first time buyer myself.

errrmmmm...depends lor..

but from what my colleague told me that means the rate is at a ceiling rate..u are usually paying more than the normal rate other banks are charging.


that is what my colleague said la...i'm a first time buyer myself too

my banker just called me saying OCBC is not panel for this project. because the certain miss Cryt** refuse to layan me, i submitted to another branch.

can anyone clarify and comment?

i also wanan comment on ocbc.. their entire branch geh home loan like touch target already or what..not hungry for sales at all.. i also wanted to apply for their loan.. then read thru previous comment the miss cr**tal is bad so didnt wanan call her..

called another lady (Same team) one .. walao same terrible service.. i called her yesterday saying i need the loan approved by this week cause (stupidly i go and apply for mbb and only yesterday i called developer they told me mbb is not the end financier yet in the midst of getting approval... felt like being played out but luckily i also apply for ambank that 1 approved alraedy but then not so good lah cause need to pay the legal fee cant factor into the loan and int only at -2.3% sumore need to buy MRTA its mandatory which i dun wan lor)...

nvm lor.. the lady like damn rude question me say "Eh how come that day during the launching date u never go ask for loan one ar.. now oni u come and ask ... "... walao is this what we call good customer service?... puikk....

i beh tahan scold her back "eh hello u wanna do business or not if dun wan then jz tell me upfront lah".. then she ohh no lah no lah.. bt what is said is said and done.. too bad..

i think the ocbc home loan in puchong branch is terrible.. am not gonna have any facilities with them at all ...

which branch u apply to ?

btw i confirm that the ocbc is end financier cause developer sent me the listing of approved end financer wor.. so confirm ocbc is in...

jz that they are so lan si.. who wanna bank with them?.. after all the packages out there is pretty much the same.. these days we talk about customer service as products are pretty much the same alrady lor..

ya, if ocbc really don't want layan customer, just forget about them

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Added on June 26, 2012, 4:26 pmmaybe we gather all ocbc victim together and send 1 letter to their HQ complain

This post has been edited by jacob888: Jun 26 2012, 04:26 PM

this is what I got from ambank banker (panel bank) BLR-2.4, legal fees can be factor into the loan and MRTA is NOT compulsory..