OCBC housing Loan, better than other bank?pls debate
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 May 7 2012, 05:10 PM
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#1
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Junior Member
56 posts Joined: Jul 2009 
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i feel ocbc is quite good.
i took both of my house loan from ocbc too.  speedy service and good rate. the reason i choose ocbc is because they came to collect documents from me and sent me offer letter by hand, somemore, they follow up my case tightly. thumb up for OCBC. |
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Jul 25 2012, 10:15 AM
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#2
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Junior Member
56 posts Joined: Jul 2009
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If you need to apply OCBC loan, you can apply from me.
We are agent who can collect document from your house. 0123092585 |
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Aug 24 2012, 02:27 PM
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#3
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Junior Member
56 posts Joined: Jul 2009
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QUOTE(mlyuki @ Aug 24 2012, 01:33 PM) Hi I want to ask does anyone here who took ocbc mortgage, did you change to your own lawyer (also panel under ocbc) to do the loan agreement? i called to customer service to ask the panel lawyer.My situation now is I wish to have my own lawyer, also a ocbc panel lawyer to do s&p and loan agreement together. However one of the ocbc banker told me ocbc already fix to one lawyer firm and cannot switch to other lawyer. If customer want can request approval but no point cos the manager will not approve. Is it true I can't switch to the lawyer of my choice. Because having one lawyer to do both agreement can save me some costs. Thanks.  and i called to few panel lawyer to get quotation, then i informed to my loan officer which the lawyer i selected. i am using soo thien ming lawyer firm. you can use your selected lawyer. i have two house under ocbc loan. latest one is just bought on february 2012. |
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Aug 24 2012, 02:29 PM
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#4
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Junior Member
56 posts Joined: Jul 2009
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QUOTE(yehlai @ Aug 24 2012, 02:24 PM) OCBC have many panel law firm, and they also allow non panel law firms. actually if you use non panel,That banker try to BS you to use his lawyer so he can get commission. you will face problem during payment draw down. better dont use non panel. i found one non panel lawyer firm in bangsar. good price, but finally i still use panel lawyer. |
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Aug 24 2012, 03:23 PM
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#5
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Junior Member
56 posts Joined: Jul 2009
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QUOTE(mlyuki @ Aug 24 2012, 02:51 PM) Hi yes I also intend to use stm lawyer.that's y i told the sales agent but he said his team manager won't approve and he can't help. Thanks for ur reply now i can confirm. when you sign the offer letter, in the last page, you can fill up the panel lawyer you selected one.Added on August 24, 2012, 2:54 pm Hi. I've pm u. the sales agent said he deal directly with hq..wonder same manager or not. He said diff branch work differently. Added on August 24, 2012, 2:59 pm Can u advise how to deal with the sales agent ? How to do so that won't offend the sales agent ? the loan already approved and i signed the offer. Even if i insist the bank won't cancel my loan right? i think your agent helped you to fill up other lawyer firm already. just call to customer service and ask them to issue something like "appointment letter" to STMN. then STMN can draft your loan agreement. i selected lawyer firm after i signed offer letter. just call to customer service to ask. by the way, which STMN you are using? they have three branches. i found that Petaling Jaya branch is very friendly. KLCC area one is not so keen to quote. i used STMN Klang bcoz near my office. |
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Aug 26 2012, 05:29 PM
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#6
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Junior Member
56 posts Joined: Jul 2009
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QUOTE(chiew @ Jul 6 2012, 10:24 AM) got it! thanks Agreed with what you said. 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  recently, the new statement presentation is very difficult to understand. i will also top up some money to see what is the differences. |
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Feb 8 2013, 11:56 PM
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#7
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Junior Member
56 posts Joined: Jul 2009
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QUOTE(Dohc @ Jan 17 2013, 06:35 PM) How its can be same? for ocbc, the extra RM300 advance payment will use to deduct your principal and interest too,Ocbc if u make payment extra, lets say rm 1.5k instead original monthly payment rm 1200.the extra rm 300 will treated as a advance payment. Yes, its will save the interest since the loan calculated on daily basis. But its never minus the principal. Its only reduced the interest for the next payment. For cimb full flexi, the same scnerio, the rm 300 extra payment will directly minus the principal amount . So, the interest will calculated on the update principal amount. Thus the interest will saving more. The fully flexi is never same with semi flexi loan (which is actually term loan but with prepayment and withdraw facilities). If my understanding wrong, pls let me know.  but it cannot be withdraw out because it is advance payment, not capital repayment. |
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