RM2840 NET INCOME

RM2840 X 0.6 = RM1704

PROP RM380K per month will be RM1629 per month

ABLE TO LOAN

ur FD is under which bank ?

If loan 500k, what is the best rate can get? if without MRTA?

subsale property

so banks saying about FULL FLEXI so it does not really works in that way where full amount in CA will be offset to outstanding principal amount ?

then whats the purpose of having FULL FLEXI ? If FULLFLEXI have such terms and conditions what about SEMIFLEXI.

My friend even went to HSBC and question about FULLFLEXI whether is it really works like PUBLIC BANK.
According to him, HCBC mortgage officer showed some calculation and confirms their FULLFLEXI has no minimal balance and capping like PUBLIC BANK.

Im not sure how true it is.. we only knows when we start paying it..
Since my friend's case, loan at HSBC is FULLFLEXI property still under development and money is been releasing partially.
So its too early to jump on conclusion, only can able to verify after park some cash in current account and monitor how the
interest get calculated.




Must check before and after pump in cash to current account.

If Cimb offers semi flexi blr-2.45 and fully flexi blr-2.4, loan amount >600k, do u think other banks can offer better rates?

Would also like to ask if lock in 3 yrs. When does it start counting? I'm buying under construction residential  property.

Thank you.

Hi guys, i would like to have a quick check.
planning to buy FIRST property which is 400k. (New property)

After consult the developer, they mentioned i hardly get FULL loan (90% of property price), therefore they mark-up the loan apply value to (400k + 10%)
this is in case the bank just apply the 80% loan to me...

but today, i successful to get 90% loan.. mean i got extra cash flow? but my burden is a (400 + 10%) loan amount.
shall i proceed with this? it is benefit to me? the whole scenario.
thank you for your advise.

Hi. Can you recommend best 2 banks for fully flexible mortgage. Minimum BLR-2.4%. Condominium value over 1 million in a prime area. Financing 90%. Disposal income over 10K per month.

B-2.4%

For maybank subsales cases r easier to get higher rate.. possibly -2.45%.. cn request upto -2.50%.. if u hve savings with maybank..

Why you didn't try cimb bank?

very true

full flexi have 2 account/

advanced account and capital account

money at capital account will deduct the capital and money can be withdrawn.

advanced account, ur money put in will offset the capital but can't be withdrawn.

anyway, different bank account system is different.

some bank say it's flex but the money put into the account won't deduct the capital but used as reserve money to pay off future interest. and doesn't reduce the capital...

read the LETTER OF OFFER and ask the banker to show you the wording. So that u won't be CON . LETTER OF OFFER shows everything

Hi bro are u dealing with maybank subsales for business premises property.. like shop lot

what is margin of finance, max tenure and blr rate ?
any fullflexi loan for shoplot ?

If Cimb offers semi flexi blr-2.45 and fully flexi blr-2.4, loan amount >600k, do u think other banks can offer better rates?

Would also like to ask if lock in 3 yrs. When does it start counting? I'm buying under construction residential  property.

Thank you.

Hi All

Do any of you have contacts for AIA fixed rate mortgage?

bad rate, few other agent offered me BLR-2.45

Suspension @..@

Seriously, we get loan and forget to paid in 2 consequences month

Yes... for shop.. maximum rate is -2.20% only.. yes gt fullflexi.. for further details cn contact me