got it! thanks

prefer the previous presentation of the account where the actual outstanding balance was shown.

now i have to do some arithmetic to get the amount correctly

MRTA compulsory? if yes, min how many years?

it is not compulsory to buy MRTA if you taking loan from OCBC

the only downside to ocbc homeloan is probably when your property rise in price and you would like to apply for a top-up loan. they do not facilitate top up loan....ie your borrow 500k today and 3 years down the road other bank can lend you 700k, giving you 200k to invest in another unit......for ocbc, they can offer the renovation loan but it is bearing a much higher interest.
while you can just refinance with another bank, the legal fee and stamp duty will be based on the full amount and not the top up amount.
so that will increase your cost a little.
but of course, this will only happy when your property rise in price and you want to invest another one. otherwise, nothing to complain about ocbc loan

i just wana correct u on this statement regarding top up loan...
they do provide top up loan and it's cal term loan, they will send a person to inspect ur house and will revalue before giving you more top up loan..and no process fee, except some fee which is around RM500..maybe your SA no knowledge on this... and for this top up loan, a different BLR will kicks in, depends on the market rate which i get a better rate for the top up loan..

one thing im suprise is applying top up loan is easier than applying for a new loan for the new house.

sounds great, only rm 500 can have better rebates on BLR + top ups

well, i did the check just 3-4 months ago cos i am now using ocbc homeloan. called up the sales person, said no such things.....not believing the sales person, i called up the call centre and they repeated the same message. and the ONLY way to get more loan is renovation loan

i can only conclude they do not favour top up BUT renovation loan cos they can charge more and renovation loan is something new for them to sell.

i heard OCBC can provide house loan for more than 90%, can anyone confirm this?

depends on developer ,
they seems like now supply spsetia project kuat kuat , up to 95%

Sp setia linked to govt....= safe developer. Sure more confidence to lend more....

normally you can apply for 90% MOA + 10% of insurance & LVS financing

on top of that you can also apply for renovation loan up to 30% of your loan amount with BLR +0% (subject to credit assessment)

Reno loan 30%?

Not so easy... Depends on grading... BLR + 0% is subject to Reno Term Loan insert into loan agreement, means u have to pay valuation and legal fee or so called LVS. It is almost as good or as high as Personal Loan in 10 years given period. If to avoid LVS, the rates is BLR + 1%, good to cash out but the interest not low.

I managed to get blr-2.45 whole tenure.

90%?

90% of 300k ,-2.4

abit weird if they say no such thing..i do heard the renovation loan when applying for my new home loan...but theinterest rate is way high from the normal home loan..even all the bnank rejected my new application..

i end up taking the top up loan from OCBC, i remember i just randomly met the agent in lowyat but i forget the details of the agent already..try to advertise in the classfied for the loan section im sure the agent can help..

Loan over RM800K ?

can get a minimum of BLR -2.4% and up to -2.45%

Last 2 month below 800K is -2.4% only

the water gate open already