Thanks guys for the thorough explanations
One more thing, how many percent is the stamp duty imposed on a property value? Standard value is?

Hi All,

I was offered by an officer from maybank for MLTA .
As i checked, maybank only have MRTA at the moment. They do have MLTA plan but not yet release to public.

Anyone can help verified?

Thanks!

Now what is the best rate r?

any best loan offer now? home & lease hold rm250k

Trickery to get 4.15% or trickery from bank to include hidden charges and give lower rate?

Thanks

Which bank offer the 4.15%? how much the loan amount involve? I am looking for the mortgage loan.

Hi, i have a basic question. For a flexi housing loan, if i want to pay more to clear the loan faster, how does the calculation work? Does it reduce the number of years when i pay more? For example, from 35 years to may be 22 years?

say i owns a land (agricultural with 17 years remaining) and i intend to build a house.

est construction cost is 420k excluding engineering and archi costs. what is the % for interest?

can i get 90% of the construction cost as my loan? any case where we can get 100% of construction costs?

will i be able to renew my leasehold when the construction is ongoing?

Hi sifus, I would like to seek advice on which loan should I take.

Financing 90% -  loan amount at 760k at tenure period 35 years.

1) PBB (semi flexi) meaning only 70% in current account money will be considered to offset loan interest.
1st year interest rate: 4.15%
2nd year onwards: 4.27%
MRTA: RM25,914.00

2)CIMB (full flexi) 100% will be considered in current account to offset loan interest.
Rate is 4.3% throughout the tenure.
MRTA: RM33,358.00

Factors would be that I am thinking to pay off loan quicker than 35 years but at the moment thinking which would benefits me more as PBB has lower interest overall and MRTA but only consider 70% whereas CIMB would be 100% but offers higher interest rate and MRTA.

Hoping someone can advice me in regards of my above stated situation. Thank you!

760k, which bank is that offering 4.15%? Full flexi?

Which bank is that?

Regardless, based on the above 2 situations. Any advice from you?

Hi May I ask apart from HLB and CIMB, which banks have DSR of 85% to 90%?

Thanks for reply. Even for income around 5k?

Hi bankers,

I want to do refinance.
I have a home loan with CIMB started in year 2013 with the interest of 4.65%. The interest rate is high because the house is under master title (with a bankrupt developer) at that time. Only CIMB and Public Bank give loan at that time. Landed double storey terrace, now already get individual title. With the individual title, now the house price rises a lot.
The purpose I want to refinance is to get a home loan for lower interest rate. Please advice. I welcome agents to pm me.
Thanks.

Talam

I already have the individual title for my house. It shouldn't matter about the developer anymore, right?! Furthermore, I bought sub-sale in 2013. I just want to refinance my house now.

hi all i applied a mortgage loan (300k property) thru ambank recently and got an offer of 4.55% interest rate, 100% loan.
i have not tried other banks yet. is this rate acceptable?

my property agent told me i can only approach bank with EF (end financing) and so far there are only 3 banks left which is ambank, mbsb and uob.

according to him "the other banks quota full" which i dont really know what it means.

can someone enlighten me here? thanks a lot.

Hi,
For project under construction, secure loan for 30 years
Total payment to the bank at the end of tenure will be:

Monthly instalment X 30 years X 12 Months

or

Monthly instalment X 30 years X 12 Months + progress payment interest

Hi ,

I currently applying for a house loan financing.
the property value is RM 760k.
Bank muamalat is offering at interest rate 4.45% ,for 35 years . Is this considered okay ?
Any banks that can offer better rate ?