HL Islamic loan is basically the same as conventional but has no lock down period. Even better. Your income must be halal though..
HONG LEONG BANK MORTGAGE LOAN, Any Advise?
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 Feb 25 2013, 10:44 PM
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390 posts Joined: Oct 2012  
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Feb 25 2013, 10:48 PM
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7,446 posts Joined: Sep 2008
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Why some taikors i know anti gao gao hong leong bank ya? My current prop, i submitted to all banks i know. None has come back except hong leong. Shocked! I usually stick to GLC. Maybe this time i am gonna try them
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Feb 26 2013, 12:31 AM
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Senior Member
5,379 posts Joined: Jul 2009
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QUOTE(AMINT @ Feb 25 2013, 10:48 PM) Why some taikors i know anti gao gao hong leong bank ya? My current prop, i submitted to all banks i know. None has come back except hong leong. Shocked! I usually stick to GLC. Maybe this time i am gonna try them Boss, still BBB? |
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Feb 26 2013, 12:39 AM
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7,446 posts Joined: Sep 2008
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QUOTE(cheahcw2003 @ Feb 26 2013, 12:31 AM) Boss, still BBB? Yes boss. This year targeting commercials |
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Feb 26 2013, 03:25 AM
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Senior Member
565 posts Joined: Oct 2005 From: Damansara
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QUOTE(smon80 @ Feb 25 2013, 10:30 PM) I got from CIMB -2.2 Wonder y so low.. Now days they are offering -2.5 but should be more than 500K.. So low meh? Others bank offer -2.3 and -2.35, but still not sure.How is HLB full flex? Any one taking such loan? |
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Feb 26 2013, 09:47 AM
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Senior Member
1,327 posts Joined: Dec 2010
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QUOTE(AMINT @ Feb 25 2013, 10:48 PM) Why some taikors i know anti gao gao hong leong bank ya? My current prop, i submitted to all banks i know. None has come back except hong leong. Shocked! I usually stick to GLC. Maybe this time i am gonna try them HLB keep one eye close for their existing customer, some more u big boss..  i got HP with them and wish to apply for housing loan, the banker say no problem to approve but they only can offer tenure up to 30 years only.. |
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Feb 26 2013, 10:14 AM
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7,923 posts Joined: Feb 2007 From: 1 Malaysia
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Hong leong can approve. Headache later on only.
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Feb 26 2013, 10:31 PM
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861 posts Joined: Feb 2006
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Just to check with you guys, I have been informed by a banker that for 2nd housing loan, maximum loan amount that can be approved only 80%, couldn't get 90%. Is that true? This info coming from UxB. Hmm..
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Feb 27 2013, 11:52 AM
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All Stars
11,943 posts Joined: Mar 2012 From: Kuala Lumpur 
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QUOTE(zonefinder @ Feb 25 2013, 10:44 PM) HL Islamic loan is basically the same as conventional but has no lock down period. Even better. Your income must be halal though.. but islamic loan cannot approve loan which need to segregate out the car park as separate loan. |
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Feb 27 2013, 11:54 AM
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7,446 posts Joined: Sep 2008
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QUOTE(peri peri @ Feb 27 2013, 11:52 AM) but islamic loan cannot approve loan which need to segregate out the car park as separate loan. Oooo this is something new. How about shoplot that can have individual title for 1st and ground floor? |
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Feb 27 2013, 11:57 AM
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All Stars
11,943 posts Joined: Mar 2012 From: Kuala Lumpur
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QUOTE(AMINT @ Feb 27 2013, 11:54 AM) Oooo this is something new. How about shoplot that can have individual title for 1st and ground floor? wah, so good, but should be strada title since both are on same land parcel. Just like townhouse.easy bro, apply 2 loans. |
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Feb 27 2013, 10:57 PM
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Junior Member
390 posts Joined: Oct 2012
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QUOTE(peri peri @ Feb 27 2013, 11:52 AM) but islamic loan cannot approve loan which need to segregate out the car park as separate loan. I'm learning something new...property and car park separate...admit I've never heard of this one before.. |
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Feb 27 2013, 11:06 PM
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7,446 posts Joined: Sep 2008
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QUOTE(peri peri @ Feb 27 2013, 11:57 AM) wah, so good, but should be strada title since both are on same land parcel. Just like townhouse. Alamak apply 2 loans meaning got extra legal fees etceasy bro, apply 2 loans. |
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Mar 1 2013, 08:54 AM
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All Stars
11,943 posts Joined: Mar 2012 From: Kuala Lumpur
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QUOTE(ceveori @ Feb 27 2013, 11:06 PM) I had housing/ car loan with HLB before If those HLB staff was previously from EON Bank, i believe is good. I experienced before good service for me  |
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Mar 25 2018, 12:24 PM
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37 posts Joined: Feb 2018
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Deleted
This post has been edited by wenkernboys01: Nov 24 2022, 07:42 AM |
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Mar 25 2018, 01:24 PM
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All Stars
20,146 posts Joined: May 2011
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QUOTE(wenkernboys01 @ Mar 25 2018, 12:24 PM) Not very efficient at all! Hong Leong Bank are lousy! Because their debit card has some problems, cash withdraw are inefficient, i try withdraw money from HLB ATM machine with my mom HLB debit card (i help my mom to withdraw cash from her debit card as she need it) but when the money from HLB debit card has been deducted after cash withdraw, cash did not dispenser and machines starts "OUT OF SERVICE" which is STUPID! Thankfully i still have BSN Visa Debit Card and i have no problem with BSN bank but Hong Leong Bank makes me angry when it comes to their debit card cash withdraw system! I have a Hong Leong Bank Joint Savings Account with fixed deposit but i gonna switching to CIMB Bank for Debit Card+Online Banking. Of course, HLB staff are rude and not friendly at all! Almost all banks at some point in time will disappointed you.Biasa.....just use whatever bank that give u best benefits. |
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Mar 25 2018, 03:13 PM
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110 posts Joined: Jun 2017
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QUOTE(BEANCOUNTER @ Mar 25 2018, 01:24 PM) Almost all banks at some point in time will disappointed you. haha, i agree with you. not only in banking sector, in other industry/sector also same. the bigger and the more extensive the company, tends to have more problem on their service. some might enjoy top top service but some unlucky one might disappointed with their service. Depend on luck Biasa.....just use whatever bank that give u best benefits.  |
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Nov 26 2018, 04:52 PM
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Junior Member
141 posts Joined: Dec 2016
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Anybody has Hong Leong housing loan agent contact??
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Mar 10 2019, 09:23 PM
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37 posts Joined: Feb 2018
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*deleted
This post has been edited by wenkernboys01: Nov 24 2022, 07:43 AM |
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May 11 2019, 07:07 AM
Show posts by this member only | IPv6 | Post
#40
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Junior Member
290 posts Joined: Nov 2011
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After read this clause again and do some simulation and found out your clarification is seem not what the clause meant...
Interest chargeable is either (a) outstanding principal minus extra cash balance or (b) 70% of outstanding principal, whichever is lower If my outstanding principal is RM1. 2 mil Extra cash balance is RM300k So (a) 1.2 mil minus 300k equal to 900k OR (b) 70% of outstanding principal = 0.7* 1.2 mil equal to 840k Then interest chargeable is whichever lower.. So my interest chargeable is RM840k... Whichever is lower However, it does not make sense, if I don't put any extra cash inside the current account, the bank already given me 70% on the outstanding principal.... Will the bank gives such good deal?? |
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