Hi, I am a newbie here. I bought a 933sf Block B facing pool and now would like to know which panel bank offers best package. You guys seem to have more experience, so, I would appreciate your expert opinions I am considering either Alliance or OCBC but I am more inclined to Alliance bcus it's confirmed a panel for Zeva whilst I have doubt abt OCBC Anyone can confirm on the panel bankers?

This is a good tip, thanks

I checked the the manager of Trinity today and he confirmed the following panels as of this morning:
1) Ambank
2) Al-rajhi
3) HLB
4) OCBC
5) UOB
ps: other banks such as Alliance are not confirmed for the panel yet.

Yes, that was what Trinity told me too. According to Alliance, they are sorting out the panel issue. I don't know about MBB as I am not considering it.

I checked with the manager of Trinity, Andrew; not any sales person.

speaking of flexi loan; i know it depends on the individual but in general, full or semi flexi is better?

Yes, alliance said RM10/mth for full flexi with RM200 one time set up fee. I think I will go for full flexi too

I just applied Alliance and OCBC today; OCBC -2.40% and Alliance said they will match that rate (theirs -2.30)

OCBC Mr Tan 012 3313 557

He was ok when I met him at the launch and so far, service is not bad either. Maybe their quota is full already; he said they can do 24 units only for Zeva.

It seems nobody has got their loan approved yet. Bankers seem malas to layan us after we applied for their loan but they forgot that we can change our mind and choose other bank which provides better service. Bank rates are more or less the same, to me, it is the service that counts.

I also applied Alliance and just checked with Trinity. Alliancer has not got the confirmation for DIBS yet and the same is still being finalised.

I applied alliance n ocbc. both same rate -2.4 but alliance can choose either full or semi flexi whilst ocbc is only semi flexi, which I dont mind. Anyone can share their 2cents worth why I should not choose a semi flexi loan? FYI I dont intend to withdraw but only to dump in extra money from time to time.

Yes, trinity told me same thing: DIBS with panel bank at PARTICULAR branch only. Yes. Zeva sales gallery still same place and it opens 9.30am to 6pm daily.

You dont need to go to the banks to apply for the home loan. Call the bankers, they would be happy to meet you up somewhere else. You can even get them to email you the form, you sign and email back to them with your supporting docs so that they can process it right away. Then, once your loan is approved, you meet them to sign the original application form and the letter of offer. After that, if not mistaken, for full flexi loan, I think you have to go to the bank to open the current account, etc. But this can be done after you have signed the S&P and paid the balance 10%.

So: apply loan -> loan approved -> accept the letter of offer -> make appointment with lawyer to sign S&P and pay balance via cheque (you may pay to Trinity directly at the sales gallery via credit card which some banks offer 0% up till 18mths) -> sort out the loan part: open account, etc.

If your bank does not finance MRTA, then you have to pay for MRTA.
If your home loan package is zero entry cost (ZEC), then you don't have to pay the legal fees for loan. If not, be prepared to pay for the legal fees, depending on the amount of home loan. If let's say RM350,000 loan, legal fees maybe around RM6,000. You may consult the panel solicitors on their fees.
After kautim the loan and S&P, follow up with trinity or your lawyer on the 1st drawdown, i.e. when 1st payment is released to trinity. It's better that we keep track on the construction progress as the progressive payment is made in accordance to the construction progress.

My SA told me can but it must be paid at their office and not the lawyer's office. You can call them at 03-8942 9009 to double check cus I plan to pay via bank draft at the lawyer's office cus I do not wanna go to 2 places (trinity and lawyer's office).

Yes i heard that lawyers can go to trinity showroom to let us sign the S&P but i prefer to go to Mid Valley. Anyway, I heard that the following banks' credit cards offer 0% up to 18mths for Zeva:
PPB, RHB, HLBB, AmBank, UOB and MBB.

Also, my SA told me can use a third party credit card to pay the balance 5%.

can get a third party to swipe for u.

confirmed panel banks with DIBS:
UOB (only 80%)
HLBB
AmBank
OCBC
Al-Rajhi