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 Mortgage Loan Package Inquiries v2, Loan agents pls read the 1st post!

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ving0829
post Jul 16 2020, 01:41 PM

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just wanna know how low it will be? as i just apply hlb housing loan, the interest rate is 2.95 %.
lifebalance
post Jul 16 2020, 03:14 PM

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QUOTE(ving0829 @ Jul 16 2020, 01:41 PM)
just wanna know how low it will be? as i just apply hlb housing loan, the interest rate is 2.95 %.
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No one knows. Can be lower but 2.95% is competitive
lifebalance
post Aug 3 2020, 10:32 AM

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QUOTE(MGI @ Aug 3 2020, 02:47 AM)
Following Prime Minister announcement, any one got experience 3rd housing loan onward manage to get more than 70% loan margin?

what is the requirement?
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Replied in the other thread.

Only applicable for near completed projects.
midmay
post Aug 3 2020, 11:34 AM

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i managed to get 85% margin for a project completing in 2022... from what i understand not much bank are very keen on 3rd property loan >70% so far
lifebalance
post Aug 3 2020, 11:35 AM

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QUOTE(midmay @ Aug 3 2020, 11:34 AM)
i managed to get 85% margin for a project completing in 2022... from what i understand not much bank are very keen on 3rd property loan >70% so far
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This is your 3rd property ?
midmay
post Aug 3 2020, 11:38 AM

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QUOTE(lifebalance @ Aug 3 2020, 11:35 AM)
This is your 3rd property ?
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ya...my third property
choas48
post Aug 3 2020, 11:41 AM

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QUOTE(ving0829 @ Jul 16 2020, 01:41 PM)
just wanna know how low it will be? as i just apply hlb housing loan, the interest rate is 2.95 %.
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That is a very good rate. How much you apply?
lifebalance
post Aug 3 2020, 11:42 AM

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QUOTE(choas48 @ Aug 3 2020, 11:41 AM)
That is a very good rate. How much you apply?
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As long as loan amount >250k - 300k, can get.
ar_zaem
post Aug 13 2020, 12:11 PM

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i got offer for housing loan from RHB at 3.3%. is it ok?
ngph988
post Aug 17 2020, 10:37 AM

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QUOTE(ar_zaem @ Aug 13 2020, 12:11 PM)
i got offer for housing loan from RHB at 3.3%. is it ok?
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Seems little bit high? Whats the loan amount applied?
lifebalance
post Aug 17 2020, 10:37 AM

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QUOTE(ar_zaem @ Aug 13 2020, 12:11 PM)
i got offer for housing loan from RHB at 3.3%. is it ok?
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what's ur loan amt ?
surf-it
post Aug 19 2020, 08:37 PM

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Heard Public Bank can go down to 2.85% now? Is it true?
ngph988
post Aug 21 2020, 10:48 AM

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QUOTE(surf-it @ Aug 19 2020, 08:37 PM)
Heard Public Bank can go down to 2.85% now? Is it true?
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Best rate 2.8-2.9% however subject to approval.
lifebalance
post Aug 21 2020, 11:23 AM

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QUOTE(surf-it @ Aug 19 2020, 08:37 PM)
Heard Public Bank can go down to 2.85% now? Is it true?
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2.82%
buddy
post Aug 21 2020, 06:56 PM

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if refuse mrta mlta or any form of insurance, rate will be higher?
lifebalance
post Aug 22 2020, 10:15 AM

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QUOTE(buddy @ Aug 21 2020, 06:56 PM)
if refuse mrta mlta or any form of insurance, rate will be higher?
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yea definitely
*MoonStone* P
post Aug 26 2020, 09:01 PM

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Getting a commercial house loan for 305k, 35 years for 3.35%. Is that a good rate?
ngph988
post Aug 27 2020, 03:21 PM

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QUOTE(buddy @ Aug 21 2020, 06:56 PM)
if refuse mrta mlta or any form of insurance, rate will be higher?
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slightly higher by 0.05% - 0.1%. Of course you can always choose to use personal life coverage as debts cancellation.

QUOTE(*MoonStone* @ Aug 26 2020, 09:01 PM)
Getting a commercial house loan for 305k, 35 years for 3.35%. Is that a good rate?
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Replied you on the other thread.
arivintiran P
post Sep 1 2020, 12:22 PM

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Hi all, I was offered RM425K Loan with MRTA for 35 years with a rate of 3.1% by Maybank.

My concern here is that the 3.1% is - 1.75% Base Rate + 1.3% Spread.

Is this a good choice or the spread rate is high??
lifebalance
post Sep 1 2020, 01:15 PM

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QUOTE(arivintiran @ Sep 1 2020, 12:22 PM)
Hi all, I was offered RM425K Loan with MRTA for 35 years with a rate of 3.1% by Maybank.

My concern here is that the 3.1% is - 1.75% Base Rate + 1.3% Spread.

Is this a good choice or the spread rate is high??
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Normal.
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