haiyo, please tell me is not true. if true, haiyyooo

some banks no lock in with BLR-2.4. some banks got lock in but BLR-2.5 depending on loan amount also.

Above RM1.2 mil. u have to negotiate. of course 1st time, they will give u BS deal. negotiate for every banks. after u get 1 good deal, u can use that deal and nego further from other banks. that time be lanci a bit. say la "u dont want rm1.2 mil, nevermind, i find other banks. u r not the only bank, u know". then they will propose to their management. a few days later they will contact u back. say also how many properties u own and may buy more in the near future.

Fuyooo.

Could anyone here please list down the robber banks and the branch of that robber banks? So we would know when to be alert

This post has been edited by AMINT: Jun 26 2012, 10:11 AM

Just my opinion. Besides Tiger bank, El Rajhuwali also got hidden clause. RM10 for every transaction. You put money in your account, minus RM10. Bank minus the amount in your account to pay your monthly installment, minus RM10. You take out money from your own account, minus RM10.You hilang card or damage like microchip cannot be read (their own stupid supplier F up, but you pay RM20 for that). Other banks happily replace for free.

I kena this one. Luckily only 5 years loan (not housing loan). I lost RM1K++ in 5 years time and this year the loan will habis bayar. so lega. I checked the agreement. Nothing mentioned on this. The only clause mentioned:

El-Rajhuwali has the sole right to impose or increase transaction fees without any prior notice. My fault also coz I consider this stupid bank.

Islamic Bank is being created to protect the people but these so called Islamic Banking is the one that sembelih you kau2. BS I tell you.

This post has been edited by AMINT: Jun 26 2012, 11:07 AM

Yes, reasonable clauses are ok. But minus RM10 for every transaction, every month at least RM20 hilang. So if you pay over 40 years, wahh mati woo. Every month:

1. Put in money in your account = RM10
2. Bank take money from your account to pay installment=RM10

This is miminum monthly.

No problem bro. We are here to share. Hopefully nobody kena like me. Please dont take this bank. You will knock your head and feel like a sohai coz signed the agreement and yes there is a a penalty for early settlement. My loan for 5 years, if pay full lesser than 5 years, also got penalty. I really2 feel like kena kencing sampai hancing wooo. huhuhu

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.

any difference in terms of rugi or untung aaa?

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?