The bankers look at your face already know you're multi-millionaire mar ...

Roughly:
Octopus bank some case -1.8% only ~ -2.4%
OCBx -2.3 ~ -2.4
PBx -2.3 ~ -2.35
UOx (tutup paip) last time easy -2.4, now most of the case -2.2; project can get -2.3 ~ -2.35 (also not easy)

Project is different, also depend on loan amount.

I think it really depends on loan amount actually. And you have to act a bit lansi after getting the 1st deal. Use that deal against other banks. Never take the 1st deal they give.

Try to lansi for 1st deal to get blr-2.45 but fail then take back 1st deal after so many deal going. Mostly meet my personal preference

taikor, this t&c ok?



This post has been edited by lwc2001: Jun 26 2012, 10:02 PM

Is yours commercial loan, NOT residential loan?

its residential loan for sure ...read the 1st para

yup, commercial loan

Any opinion?

is soho

any difference in terms of rugi or untung aaa?

rugi lah, bro ...

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Added on

Yes, I read found , that was why I asked, those are not residential loan terms.

The banker told you that you'll still need to pay 2% admin charge for early settlement even after 3 years lock-in, right?
I don't read much Commercial Loan agreement ...
From what I tried to understand, looks like it is (2% thing) ...

haiyo. i also understand the clause like how ecin understands. how come need to pay 2% even after locked in period? or am I misinterpreting the clause?

do we need to show the full version of offer letter frm other bank , to get better rate ?

tigerr kor, the rate all depends on ur loan amount, if loan amount all > 400/500k can easily get -2.4% jor... u can insist not to buy mrta, but maybe u got many loans and they want to more secure so force u buy mrta lo...
just my pov

ya meh??? mine is commercial loan woh.....a shop woh, not a house.....how to get -2.4%???? If buy without MRTA....get -2.1% only woh.....

I only tried AM, PB, HL lar....others belum tried....OC punya rates lagi sucks as after spoken to the officer and i told him, in case all my applications failed, only i will come back to you....no choice....

[quote=ecin,Jun 26 2012, 10:37 PM]
rugi lah, bro ...

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Added on

[/quote]
Yes, I read found , that was why I asked, those are not residential loan terms.

The banker told you that you'll still need to pay 2% admin charge for early settlement even after 3 years lock-in, right?
I don't read much Commercial Loan agreement ...
From what I tried to understand, looks like it is (2% thing) ...

[/quote]

i also very , y still have to pay the penalty of 2% after lock in period?

[quote=dino10chels,Jun 27 2012, 10:10 AM]
Yes, I read found , that was why I asked, those are not residential loan terms.

The banker told you that you'll still need to pay 2% admin charge for early settlement even after 3 years lock-in, right?
I don't read much Commercial Loan agreement ...
From what I tried to understand, looks like it is (2% thing) ...

[/quote]

i also very , y still have to pay the penalty of 2% after lock in period?

[/quote]


The banks rules and condition mah......i thought my understanding that the rates is still subject to the bank discretion as it states like this "the prepayment premium shall be 2% flat or at such other rate as the Lender may stipulate from time to time on the amount prepaid.

Will they change to 5% or 10% later and you will never attempt to do any early settlement and continue to pay the high interest rate in case the BLR goes up to 10%.....

last year i heard a customer told me that her shop office's loan amount 1.3mil can get -2.4%...i was abit shock after knowing this...shop also can get -2.4%

Incorrect. Lock in is about the period in which you will get penalise or pay a penalty for fully settling your loan (with cash or with loan from another bank, etc). It is not about locking in the -2.4 or-2.5.

Totally different thing.

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Added on June 27, 2012, 10:30 amwhy do you need to do so? SOme people already getting Loan from foreigner bank (at -2.3 or -2.4) without any lock in period.

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Added on June 27, 2012, 10:50 amBack to this topic , has anyone got updated information on the impact on this no-lock in period or removal of lock in period for existing loan that is still under lock in period.

I guess for those with loan that is already lapse the lock in period, this has no impact at all. For new loan, if bank is forced not to impose the lock in period, then do expect some sort of counter reaction from them, either charging management fees, or not providing very good rate, etc. Now some loan without lock in and still can get -2.4, i guess this is a reflection of the competitivenes sof the current market.



This post has been edited by spydermind: Jun 27 2012, 10:50 AM

No more lock-in, starting on 1st July ...

I heard this is not going to happen 4 days later, nothing solid has been finalized.