Casa green condo seri minang
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 Nov 27 2013, 09:48 AM
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#1
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Senior Member
717 posts Joined: Jun 2011  
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QUOTE(peri peri @ Nov 27 2013, 09:35 AM) i think must tag in with either MRTA or MLTA right? agreed, usually -2.40 or -2.45 requires borrower to take up MRTA with the bank, failing which the rate could be less attractive, e.g. -2.35 |
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Nov 27 2013, 10:56 AM
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#2
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Senior Member
717 posts Joined: Jun 2011
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QUOTE(terryble @ Nov 27 2013, 10:13 AM) Worse if they offer to finance ur MLTA~~they earn extra interest on top of it anyway, it's a willing buyer willing seller market right?   but agents should be more transparent and inform borrowers that this is something they can skip, cos some ppl i knew thought this is something compulsory based on the way the msg was conveyed by these agents. |
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Nov 27 2013, 01:51 PM
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#3
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Senior Member
717 posts Joined: Jun 2011
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QUOTE(IReallyNeed Answers @ Nov 27 2013, 12:44 PM) agree with you fully, a willing buyer, and a willing seller market. bro, i guess you're just being a good son, so can't complain on that But for my case. abit diff, i wasn't a willing buyer, but my parents were pestering of how dangerous and difficult and troublesome it'll be to settle the amount if anything happen to me. and they worries is reasonable too... but in the end, i get MRTA just so my parents could have a peace of mine.... bye bye monies  |
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Nov 27 2013, 01:58 PM
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#4
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Senior Member
717 posts Joined: Jun 2011
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QUOTE(peri peri @ Nov 27 2013, 01:55 PM) If u r tricked / forced to buy =/= willing peri kor, will you advise to get life insurance or MLTA le? MRTA is definitely out of the picture.Bought MRTA doesnt relief your self for a peaceful afterlife for your parents. Read the coverage carefully, not all are covered. Some more different tenure. Dont just rely on MRTA and MRTA is not for your peace of mind. But MLTA, YES. |
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Nov 27 2013, 02:10 PM
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#5
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Senior Member
717 posts Joined: Jun 2011
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QUOTE(peri peri @ Nov 27 2013, 02:03 PM) if you have a life insurance redi, no need to opt for that. fully agree. cos i have life insurance now and the extra -0.1% is definitely a point of consideration for me to get MRTA for my upcoming purchase haha...But my advise would be, go more min 5 years MRTA coz it is actually quote as "free" from bank. why, becoz LO with MRTA (5 years) = BLR -2.4%, and LO w/o MRTA = BLR -2.3%, the -0.1% actually able to compensate you back for the premium of MRTA.  good advise and thanks a bunch. |
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