i love it dude, for sure they will protect us all the while provided we respect them.

Tiger offer me BLR-2.4, no need mrta but 3yrs lock in.

very good offer but i think is Islamic loan, correct?

Sounds good. I should also look for Tiger then... BTW, PBB is very kindly and still offer me 90% loan.

No, islamic even better, no lock in but heard the legal fee higher.
Dont really mind 3yrs lock in since the construction period aldy take 3yrs.

Oh! I only get 70% since this is my 3rd loan.

tiger is panel too?

so weird, starting last year, all conventional loan had abolished the lock in period to attract for loan slaves. I thought only islamic loan practicing the lock in period for the moment? No? I will check my my mortgage agent for that.

That is the reason why i said PBB is very kind

No sure panel or not coz heard the developer did not use any end financer

current on boat are

maybank
UOB
PBB
HLB

Maybe Ah soh bro FD got rm100k in PBB

Oh mai, 70% LTV,

after deduct the 10% early bird bird rebate,

means need to standby rm70k cash for 2nd and 3rd billing.

How could this possible? 3rd loan still 90%?
Pls share share bro.

first you do not need to tell what they don't need to know and apply naturally. you got my point?

Its still on LO only, if the bank overlook the 70% LTV, but they still can retract the loan offer if they found the error during loan document preparation.

If drop out the time, lagi susah to revert all because u will kena hefty penalty from developer and loan lawyer for the error done

Better make sure all in accordance. They might overlook the 70% LTV now but if they found out later, they still can abolished and charge u for that. Because u had signed off a declare form that this loan will not be the 3rd and so on property under u. Some banks do requires u to sign off the declare form before proceed the LO.

Just make sure u read all the things u signed

agreed... dont too greedy, at the end got nothing..

Are you sure that is how it works? are you sure the bank will overlook it and so keen to offer you lesser?

bro, not advisable to do so. U cant outsmart the law and regulation. If they found out by their other processing department during loan agreement preparation, u r inviting trouble trouble trouble later.

Bear in mind, Loan Offer is prepare by branch but loan agreement is process by their HQ.

Im also on LTV 70% but im trying other method now to get the 90% according to the loop holes

thats the bank internal auditing and approval procedure

because bank also know that sometime their branch manager may pakat customer to loan more, but when come to HQ processing department, might be different story.

the branch wont be penalized by HQ because u might had signed a declare form stating u r not with 3rd house and so on.

just take note

Thanks for your advice. Lets see is there a declare form for this or not.