I hereby pin this topic for those searching for loans.
You may post here and let the agents contact you.


Warning to loan agents!
This is not your personal sales thread!

This thread is not for advertising personal loan and banking services. Please do not spam.

Do not taint this topic with "You got pm" etc replies. Either you post the details out or you PM (which meant PERSONAL MESSAGE where no one needs to know you've PM any others)



Those that violates this rules would get suspension!

p/s: a continuation from the topic here: https://forum.lowyat.net/topic/701749
https://forum.lowyat.net/topic/1702463
So don't spoil it.

Hi banker, please let me know if any other bank beside Ambank that still accept bank loan for Park 51 residency condo, block C, new launch developer unit. I am interested to purchase a unit there from developer, but heard other bank quota is full.

Thank you.

Hi all,

I want to apply for OCBC's Titanium Credit Card.

Any OCBC banker here who also does credit card sales, kindly PM me.

Kindly note that you'll need to come pick up the documents from me, either in Subang Parade or PJ Old Town.

Thanks.

hello all, question here, what is the rate if i need a 30% MOF for buying industrial land??

Hi bankers,

I'm looking for a housing loan for a sub sale freehold property costing 450k / 30 years loan. This will be the first time I'm buying a house.

My net income after deductions(EPF, Socso, tax) is around 4.8k. This is not inclusive of my sales commission which is variable each month.

Please pm me for more details or send me an offer. Thanks.

I need OCBC banker advise.

1) if i have a loan of RM1.7mil with OCBC. if i early settle RM1mil into loan account, i still need to pay installment? or need to write in to waive installment?

2) since loan facility always on reducing basis, how can i know what is the max redraw-able limit i have?

3) if i would like to redraw, am i need to have a current account or saving account for OCBC to bank in money?

4) whenever i have extra money, can i just direct bank into loan account and how OCBC treat this money?ie i suka suka bank in RM10k via cash deposit machine..
OCBC direct reduce principal or treat as advance payment?

Hey guys, I am back. I am sorry to everyone for the lack of responses over the past many weeks. I was out of commission and now am back in business. ASK AWAY.

Hello Iceman

1. For this property, at 90% loan, your loan amount would be RM405k

2. On top of that, you can get UP TO 4% of your legal, valuation, and stamp duty fees included into the loan.

3. Sales commission, if properly documented (commission slips AND reflected in the bank statement), 80% is recognized by OCBC as NETT INCOME

Hello Christopher,

1. It depends on your facility agreement stated in the offer letter and to a larger extent, your loan facility agreement. But a typical account will require that you pay the scheduled installment rate; following your situation, from the date of RM1 million CAPITAL REPAYMENT, for each of your installment the percentage that goes to pay the OUTSTANDING BALANCE is higher than the percentage that goes to pay the INTEREST.

Your loan tenure is automatically shorten this way too.

2. Max redrawable is the amount that you have put in. Minimum per withdrawal is RM1000 and with incriment of RM1000. So let's say you have deposited RM26000, you cannot take out RM23,500, you can take out RM23,000 or RM24,000

3. Yes, unfortunately they have changed the rules. You need to have OCBC's savings or current account. On the up side, you will get your money quicker this way. There is a special condition that they will issue a cheque if you can prove that you cannot open an OCBC account - if you are overseas, etc.

4. If you deposit the money into your account through Cash Deposit Machine, the money will be considered as ADVANCED PAYMENT. This way you do not need to pay your monthly installments for the months that can be covered by your ADVANCED PAYMENT. This is good for those who are working for an extended period overseas or on the oil rigs. For the money to be deposited as CAPITAL REPAYMENT, you need to do it through the counter or by using a cheque and write in the back FOR CAPITAL REPAYMENT ONLY

Edit: For ADVANCED PAYMENT, it does reduce the capital, so there is less chargeable interest out of every installment. This way you do not have to pay monthly installment as long as your advanced payment can cover for your installments. At the same time, your capital is reduced according to the amount you have paid in advance. The only caveat is that the money for advanced payment cannot be reduced.

Additionally, OCBC's flexi account has no RM10 charge a month, so you would save a RM4800 over the course of 40 years.

I hope I have answered your questions.

This post has been edited by wild_card_my: Apr 11 2013, 01:38 PM

Hi,

I have a ready buyer for my freehold studio apartment. Size 388 sq ft. Agreed price at 135K. Bank valuation is only around 80K to 90K. Kindly PM me for details.

Tq

He is only interested in Islamic loan.

Thanks wild card, very detail..

come back to no 1, if my loan is RM1.5mil, i made RM 1mil capital repayment. if i would like to enjoy the "flexibility" for not paying monthly installment, can i request not to pay monthly installment as long as the RM1mil can cover?
you know, like full flexi loan with current account, customer can enjoy leaving RM1mil in current account and he can even not visit the bank for 2-3 years. no need bother to make monthly installment.

no 2, any source for me to check how much max i can withdraw? ie internet banking, go over to counter to check.

no 3, the only way to do redrawal is walk in to branch to fill in forms? will OCBC staff request to do standard verification/ scan IC, thumb print?
i need to walk in to home branch or any branch also can do redrawal? can i fax the redrawal form to customer service department so i don't need to travel to OCBC branch?

lastly if my loan is RM1.5mil, can i do capital repayment of RM1.5mil, but still continue the facility? ie i might want to redraw few years later when i need money.

Thanks.


This post has been edited by christopheryam: Apr 11 2013, 01:23 AM

Hello,

1. If you want to choose not to pay any monthly installment, you would need to state the payment as ADVANCE PAYMENT. By doing so, the payment [s]will not help reduce the interest payment made into the account,[s] will reduce the capital and you do not need to pay your upcoming monthly installments. However, the money that you put in as advanced payment cannot be redrawn. In short, the RM1mil you have deposited into the account can only be either:

a) CAPITAL REPAYMENT
b) ADVANCE PAYMENT

And not both at the same time. Of course, you can choose to split the money.

2. Normally I would say to go to the counter to check, as for the internet banking, I am not too sure. But I will get back to you on this.

3. Yeah, they would need to verify you for security purposes.

4. Once the loan account has reached 0 balance (no more outstanding amount), the account will be closed. So my advice would be to deposit not RM1.5 mil into the account, but to short it by paying perhaps RM1.4million and making sure that your monthly installments in the months that follow would not result to the closure of the account through completed payments - you can do this by withdrawing some of your deposits before that happens and the outstanding balance would jump back up.

This post has been edited by wild_card_my: Apr 11 2013, 01:40 PM

3) what type of verification to be done? are you mean that for each redrawal i will need to go to the branch and talk face to face to the staff that i want to redraw, then the staff will let me fill and sign the redrawal form?

or OCBC will call up to verify?

anyway to make the redrawal fast and easier? is personal banker/ priority banker able to make it less hassle to visit the branch?

This post has been edited by christopheryam: Apr 11 2013, 08:58 AM

2. You can use internet banking and phone banking to know how much WITHDRAWABLE CAPITAL you have

3. Verification in the sense of IC and thumbprint, the usual stuff. And yeah, one filled-up form for each withdrawal, meet the teller and hand it to him/her. They will verify you and you are good to go.

As for the personal banker or priority banker, I am not too sure. Perhaps you can arrange something with the priority banker.

thanks bro..

recently a lot of OCBC al-amin branch set up. can i walk in to OCBC-al-amin for my conventional loan purpose?

Oh yes, OCBC Al-Amin is expanding rapidly.

And yea, as a OCBC conventional customer, you can walk into any OCBC Al-Amin branches to perform this withdrawal request.

edit: And to OCBC Al-Amin account holders, you can walk into any OCBC conventional branches to do the same!

This post has been edited by wild_card_my: Apr 11 2013, 09:28 AM

As far as I know, advance payment on OCBC loan will also help to reduce the interest. I thought its one of the different of OCBC loan compare with other bank, since OCBC loan is not a semi flexi or full flexi (although it called itself semi flexi loan) since it has both criteria.

That may have been a different product. But as far as I know, the advanced payment does not help reduce the interest charges for your installment.

Edit: I am mistaken. After rechecking it turns out that the advanced payment DOES reduce the capital and thus reduce the chargeable interest. The only difference at this point is that the advanced payment is not redrawable while the capital repayment is redrawable

This post has been edited by wild_card_my: Apr 11 2013, 01:34 PM

Its actually a discussion with other forumer too.
Proceed here and have some though. Btw, I'm just a borrower waiting for my loan with ocbc to be approved.
More info is better.

http://forum.lowyat.net/topic/2255456/all

Which post does it start at? That is quite a long thread I do not know which post they started to talk about advanced payment etc.

Its just 1 page thread.
If you still need to skip, maybe you can start at the middle of the thread aka after 10 post.

Ah you are correct. After further checking, I found that I have been misinformed. I have edited some of my posts in response to that. Advanced payment can be used to reduced capital, only caveat is that it cannot be redrawn.

This post has been edited by wild_card_my: Apr 11 2013, 01:42 PM

i am curious, if i didn't write down on the cheque 'capital repayment' or 'advance payment' OCBC will treat as what?

i got additional question: if my loan is RM1.5mil, i paid RM 1mil as 'advance payment', can i convert 'advance payment' to 'capital repayment'? then i can withdraw from 'capital repayment' then.

this shd be workable right? but how to do this? go to the counter? or write in letter?

This post has been edited by christopheryam: Apr 11 2013, 07:26 PM

now a day, bank having 3 type of housing loan,which is traditional term loan , semi flexi, and full flexi .

1.)term loan- it is a normal traditional loan, no redraw facility, even u pay more it will be treat as a advance payment, unless u write in a letter to inform bank all the excess fund transfer into reduce principle.

2.) semi flexi - with redraw facility, all the excess amount will treat as advance payment also, but this advance payment bank will reduce ur principle until u withdraw out the money.it will help u save interest. although is a advance payment but bank assume u pay into principle also. Only advance payment are allow to withdraw money,the capital repayment even how much u excess pay ,it is not allow to withdraw out.

3.) full flexi- u will giving 2 account but is link tgt, one is loan account and one is current account, all the money u dumo into current account bank will treat as advance payment, bank assume u pay back the loan ,interest base on loan outstanding with daily rest ,but u have to pay installment into loan account on time also.


*** advance payment of term loan product is not going to help u reduce principle and save interest, only advance payment of semi flexi and full flexi will help u save interest( bcoz bank "assume" u pay back the capital amount)

only advance payment is allow to withdraw , once u write in letter to request transfer into capital repayment then is not allow to withdraw anymore.

This post has been edited by seng870825: Apr 11 2013, 07:57 PM

seng kor, u know what is happening or not? pls read la.

as far as I know, its quite contrary.
only capital payment is allow to withdraw.

I've never read similar case like your's.
But since your amount is huge, you can always negotiate or refinance with other bank.
Need a banker help for this q

Sorry if I have confused you.

The default payments are going to be Installment OR Advanced Payment

Meaning if you pay cash through cash deposit machine, use a cheque without writing any special instructions, bank-in using online payment, pretty much everything, the cash will be used to pay the INSTALLMENT, and if there is any balance, will be treated as ADVANCED PAYMENT (which can reduce the capital outstanding, but cannot withdraw)

Now, if you want to make a CAPITAL REPAYMENT (which is used to reduce the capital outstanding, and is withdrawable), you need to either pay at the counter, or drop a cheque into the cheque deposit machine with the special instructions written on it as: FOR CAPITAL REPAYMENT ONLY

I hope that clears everything up, sorry for the confusion caused.

1. Ah, well that is the thing, payments made as ADVANCED PAYMENT cannot be withdrawn. The advantage is that the outstanding capital is reduced (so your interest charges per month is lower, but the installment is still the same), and you do not need to manually pay your installments since your ADVANCED PAYMENTS will be "eaten" up as your installments.

If you are planning to withdraw it, you should do a CAPITAL REPAYMENT. The advantage would be that your outstanding capital is reduced, and the money is withdrawable. But you would still need to pay your installments okay? It will not automatically be eaten up by the installment payments.

I really really hope that this clears everything up

I understand very well on 'capital repayment' and 'advance payment', but i still strongly believe that there is a way to change from advance payment to capital repayment.

scenario, if i am a new to OCBC bank customer, taken a loan of RM1.5mil, ya i though OCBC loan is semi flexi, i go and write a cheque to dump in RM1 mil.

so OCBC will treat as 'advance payment'. After few month, i visit to the bank, hey i am new, i don know anything, the RM1 mil i need to withdraw..

OCBC definitely have a way to handle this right? to change 'advance payment' to 'capital repayment'.

sorry, dint read ur previous conversation ,OCBC bank semi flexi is difference with other bank, u r right , advance is not allow to withdraw, capital can.
paiseh

but as i know if u pay for extra payment of less than RM1000, it will be automatically treated as advance payment, but if u pay extra more than rm1000 will be treated as Capital Repayment instead.

installment rm1000, pay rm1500 then 500 is advance payment
installment rm1000, pay rm5000 then 4000 automatically treated as capital repayment.

That sounds about right. In normal circumstances, the advanced payment stays as that and not withdrawable. But if you speak with one of the officers, I am sure there must be a way to solve the issue.

Max 90K only bro. No choices but to ask your buyer folk out cash.

Hi Banker,

I got 2 case which is low cost flat with master tittle at rawang, 1 loan 65k and another 1 loan 75k, which banker is nearby that area can help me do the case?

Thanks
Regards

How old are the flats ya?

Bro, more than 10 years already.. >.< only CIMB can do only as i know..

Dear mortgage officers,
i 'm looking for someone who could provide me the current market value of property after i provide those necessary information. please provide your contact number here, thanks in advance.

Hi, would like to know what are the details that banks need to verify with employer? Will the bank divulge to the staff answering the call that we're applying for home loan etc?

Not to every applicant.

Yes, you are correct. When it is more than 10 years but still with Master title, it gets a little difficult.

Good luck with looking for the financiers!

Hello Sir,

You can call me at 016-7033992, and my name is Faiz.

Best if you can prepare the:
1. Address
2. House type (condo, terrace, semi-D, etc)
3. Land size (if any)
4. Built-up area (the floor size of the property)
5. Any renovations done to the house? Please include extensions, wardrobe, and kitchen cabinet if any.

It depends. For some banks, they would not give a phone interview if:

a. The pay slip shows the company is a Multinational Company (MNC)
b. Letter of employment and confirmation is given.

It really depends on your luck too, if they suspect something amiss, they will call. But who in the company has the time to layan them?

Thanks. Got a lot of kepoh OLs got time to layan and insist the bank to tell them more info instead.

I see. Well the bank has to do their due diligence. But when it has enough evidence that the client is not lying to work in the company he claim to be working for, then the bank dont have to waste their own time to call the client's employer.

Good luck with your loan search!

hi all,

I need HLBB, AMBANK, OCBC housing loan agent here...need it urgently, plz pm me ur contact number...thank you....
others any bank are welcome too...

Thanks!

Hi Guys,

Just want to check with you guys before I go for another property.

I intend to purchase a property amounting RM530,000.

Has no problem paying the deposit but kind of worry the loan.

Below are my details":-

Salary RM5000

Currently commitment
1)Car instalment RM750 per month
2) Housing loan (amounting RM553,000/2) start repaying 4 years later.

Appreciate if you guys can advise me on this matter.

Rm5000 is it your nett salary per month?
2) Correct me if I'm wrong, your housing loan start repayment 4 years later? Is it an under-con project?
-Has this loan been accepted already?
-what is the tenure of the repayment?

*So you intend to purchase a 2nd property amounting RM530k?

This post has been edited by DreamChaser85: Apr 19 2013, 11:32 PM

Gross

DIBS for 4 years. Meaning to say in this 4 years, I'm not required to pay a single cent. (under con)

For a more accurate calculation, please share with us the NETT salary. NETT salary is calculated by taking the basic salary plus the fixed-allowances, and deducting TAX and EPF only.

1. So the house is a joint-loan?

2. May I know what is the original loan amount for the car?

Thank you.

Nett is 4.2k
Car loan amount was 45k, outstanding 28k
DIBS instalment is 1.2k (Joint name) start repaying 4 yrs later

1. Ah, so currently you are not paying for any installment for the house as it is still under DIBS correct?

2. Sorry that I forgot to ask for your age. That matters quite a bit What is your age ya?

Not paying until 2016

27

Okay, based on my rough calculation, it would be difficult for you alone to take out a loan based on the commitments you already have. Now I have included the commitment for the housing loan (with DIBS) in your commitment calculation because the bank will see the loan entry in your CCRIS. There may be a chance that you could argue that the monthly interest payment is covered by the DIBS, but this may not always be successful

Maximum loan amount that you can roughly (and pending approval) take is RM325k

Do you have any bonuses in the past 6 months? 80% of the gross bonuses can be considered as NETT income, thus increasing your possible loan amount.

Thank you.



This post has been edited by wild_card_my: Apr 20 2013, 11:01 AM

Usually mortgage loan is stretched over a long period of time, I'm sure your new one does too..

When you take up a loan even with DIBS they calculate the FULL amount you are able commit per month after full disbursement..

If u think of it logically the NEW LOAN u will take will also be stretched to 20 or 30 or 40 years..so even 4 years of DIBS is insignificant..Bank cares more whether your income now is able to support the FULL INSTALMENT after full disbursement of loan..

HOW OLD ARE U NOW? Okay you're 26. Max tenure is 40 years (also determines how long u can stretch the loan and effects your approval chances)



This post has been edited by DreamChaser85: Apr 20 2013, 07:19 PM

Hi Gary,

For CIMB industrial land financing the interest rate will be +1.25%. Actually it can up to 65% MoF if you needed. Loan tenure up to 20 years.

For more details please feels free to give a call at
016-3600160 (Jeremy).

Hi everyone, I'm looking to purchase new development v12 Phrase 2 Sovo by LYL group. Looking for 300k package. Self employed and having bank statement for submission.

Please contact me through dark_devon@msn.com or pm me. Seeking for best solution. Thanks.

This post has been edited by Dark Devon: Apr 22 2013, 04:30 PM

Hello, yes my bank is an EF panel for this project. Since this is a commercial title project, the rules are a little different:

1. Loan tenure is 30 years max or until you are aged 65 years old
2. Margin of Financing (MOF) is 85%

Heyyy booking already ar?

Nope, need pre-approval. Dont wish to get all the hassle by fail to get loan.

Hi, I would like to re-mortgage my house to finance about 50K, for 5 years tenures. The property value about 140K, bought 10 years ago, have fully settled previous housing loan.

I am interested in Alliance or OCBC housing loan package. Please pm me for more loan package details.

Thank you.

Let's do this.

But if it is bellow RM100k total loan, the rate is only BLR -1.8%, if it is above 100k, the rate is 2.2%

What do you think?

Looking for any agent/banker which can offer me BLR-2.4 for Semi Flexi Loan or BLR-2.35 for Full Flexi Loan. (40yrs Tenure)

Property Detail:

- Kinrara Mas Apartment, 1091SF with kitchen top, 2 unit aircon, 1 water heater, 1 carpark.

My detail:

1. Incomes:Gross Income 3100 + 500(fixed allowance)

2. Expenses:Car Installment 515 only.

Please kindly contact me/ Tarus, 0126620663 if you confidence enough to provide what i want.TQ

Please recommend your lawyer to me as well to make the SPA, Loan Agreement & Master to Strata Title

Alliance bank banker, pls PM me, got case urgently!!

i all bro and sis,

Need your help.
Lately, I bought a property, while applying mortgage loan, i was told by the bank that I have a case with RHB Bank Card Center in 2010. It is shocking news to me because I am aware that I never have any default payment issue with any financial institution since I started working in 1990.

The bank forwarded copy of the CTOS report to me. After reading it, I noticed that it was the Corporate Credit Card in my former company. When I work in that company, it gave all senior manager a RHB Corporate Credit Card to pay for expenses spent on behalf of company.

The FUN part:
March 2009 : When I quit the company, I notified RHB Card Centre to terminate my card and fully settled all the sum. The card center confirmed card is terminated and nil balance. In fact, I called them yesterday, they checked the system also confirmed my card was terminated in 2009 with nil balance.

August 2010 : RHB Bank issued summon against the company for 52k and named all the corporate card users as defendants as well (including me).

MY Questions:
1. How can the bank summon me if my card was terminated with nil balance?

2. This is corporate credit card, why the users named defendant?

I called the lawyer of RHB Bank, she said the case was fully settled and closed years ago. but CTOS did not update.

Bro, I have perfect financial records with CCRIS, if not this CTOS innocent case, i am 100% clean. I am concern the bank may reject my loan based on this settled case.

May I know what can i do in this case?
How to get CTOS to remove my record?
The RHB lawyer said RHB Bank can get CTOS to remove the record, true?

Any lawyer bro / sis can help ? Can I hire you to do the above for me? Price?

Please help..urgent...

I spoke to the RHB, he said needs to investigate first before issuing clearance letter to me.

My goodness, i am innocent in this case, never ever accept corporate credit card again in my life.

I thought local authority instructed bank not to use CTOS anymore years ago? What happened to this directive?

I have perfect credit records, now it destroy it without i aware of it.

What I am very concern now is the CIMB will reject my mortgage loan application! Any banker here can help?

SUMMARY of PROPERTY & COMMITMENT:

My property : Tropicana Garden Studio Unit.

Purchase price : RM767k

I have zero commitment now (just fully settled all my existing house loan, car loan last 2 months);

Income : RM135k based on 2012 EA form.

My CCRIS records is ALL 0 for credit cards; ALL 1 for fully settled car loan (1 due to timing of remittance, should have know this, stupid me, 29th due paid 1st, ceraka).

Any bankers here can help?

hi everybody.

i'm searching for a homeloan. any banks (CIMB / PUBLIC / HONG LEONG / MAYBANK / AFFIN / STANDARD CHARTED / AIA / HSBC / OCBC / KUWAIT FINANCE / BANk ISLAM / BANK RAKYAT) are all welcomed to pm me what your bank offers.

among the characteristic looking for:
- interesting BLR
- maximum / long tenure
- at least 90% MOF
- information on any other charges incured such as insurance / stamp duty / valuation / legal fees / lock in perion & etc.

i'm looking to refinance 215k home loan.... Anyone can offer BLR-2.4 can pm me.

no need MRTA/MLTA.

thanks.

Bank trusted no one unless you can provide a clearance letter issued by RHB regarding this matter. Then banker can write remark and attach the letter to fight for you.

So your main and only objective now is to bug RHB until they issue you the letter. You got to be firm if you are innocent.


Hi there,

Please always provide your purchase price for property, project & developer name(for under construction property) so that bankers can advise u more effectively.

For further enquiries you may call me at 016-360060 ( Jeremy). All the best

got any public bank & allianze banker here?would like to ask for consultation

hi will like to ask. does savings help in loan approval?

Not much unless u pledge FD with , say, OCBC Bank if u're applying the loan with us..
Even so, The amount they will take into account is only 80% of the profit u reap from the FD not your whole savings..

thanks. btw anyone knows the pros and cons of co-applicant v guarantor?

-Both will appear in CCRIS but guarantor wont be accounted for the +1 housing loan (3rd housing loan 70% loan margin)
-Guarantor wont have a split commitment deducted from his/her nett income therefore maintaining his/her nett income for the next house

VS

-Co-applicant will be obligated to pay half of the monthly commitment therefore CCRIS record will assume that half-commitment is taken by both main & co-applicant (Therefore, reducing the nett income for the next housing loan commitment): Future property purchas
- Co-applicant will also be treated as +1 housing loan (3rd housing loan 70% loan margin)

Welcome to dispute...

Hi all,

I want to know if husband and wife combined name to purchase house and husband using gov loan, does the wife can apply for home loan from bank? I heard many banks hard to approve loan if either one husband or wife using gov loan. and many said the wife better apply personal loan. Is it true?

If my wife can apply for home loan from bank, I want to know the offers available.


Amount: RM 110,000
tenure: 10 years
Bank: any banks that offer islamic financing with interesting BLR.
other criteria: all the fees must be transparent. No hidden fees.


Thanks!

Thanks.

Anyone else to share? Or has experience?

it also depends on banks... some banks treat guarantor similar as joint borrower... so will be bound by the BNM LTV 70% requirement as well.. ie MBB
some other banks do not allow guarantor scheme. i'm aware ABB + OCBC allows it..

other than the above, concur with the rest of the item mentioned.


Cheers!

Hi bankers,

Need a loan for subsale studio property in Johor Bahru.

Details below:
Palazio, Johor Bahru @484sqft
Loan amount RM110,000
Loan term is for 5 years.

I don’t want MRTA.
A normal term loan, not flexi.

Thanks

SME loan if the company is Sdn Bhd, need audited accounted or not?

yes
2 years of audit account
Profit and loss

is that possible that can apply sme loan without audited account?

Hi everyone here,
I'm looking for bank loan for a purchase price 148k apartment at klang. Please PM me if you can provide professional service. Prefer banker can meet up with me at Kepong or Sg Long.
Any banker from Public bank? I wanna to get a top up loan for my house as well (at sg long, existing loan from PBB).
Thanks a lot.

Hi All,
I'm searching for housing loan urgently. My property details as below:

Property Type: Apartment
Location: Klang
Property Price: RM155k

Pls PM me your best rate. Thank you

bought a sunway nexis project
anyone is the EF project for this one?

Hi agents, is there any housing loan package for fully paid property?
Please pm me for more info. Thanks.

looking for Hong Leong, Ambank, HSBC loan agent.

I have loan agent for rest of the banks.

Hi Jeremy from cimb here. May I know why is there no audited account? How many years your company had established?

Hi all,

Me and my partner are buying our 1st house.
Details:
Purchase price:450k
Location: Bangi Baru
Type of property : 2 storey terrance link
Loan Amount: 90% -> 400k
Me and my partner income after EPF & income tax deductions ~ 8k
No car commitment
Fixed loan.

Looking for the package which best suits me. Bankers/Agents are welcome to PM me.

I'm searching for housing loan urgently. My property details as below:

Property Type: Double Storey House
Location: 2 Storey, La Cottege, Taman Putra Perdana
Property Price: RM220K

Pls PM me your best rate. Thank you

Are there any other banks (other than OCBC) that offer third party bank loan?

Thanks to all who pmed me!

My double storey terrace house is still under master title though it is more than 20 years old.

With this added information, which banks could I apply?

CIMB

Hi All,

Do you think BLR could increase in this coming few years?

Housing loan is a long term commitment and BLR will keep change based on economic situation. (http://www.blr.my/blr-history.htm) <-- you can check from here

So now AIA currently doing promotion which is


Interest rate 4.25%p.a (2 years), 4.99% (Thereafter)

So that you can have a piece of mind and can planning your future income because the rate is FIX no mater BLR grow up or down!!!

If you are interest on it, drop me a msg.
Thanks

Hi,
I'm looking for CIMB and Citibank's Mortgage Banker in Penang.
Welcome to PM me your contact.

p/s: I already have bankers for some other banks, now I'm looking for CIMB or Citibank's banker only. Thanks !

I want to purchase a unit but the strata title is under processing. The owner told me that his unit actually sold a year ago but the bank refuse to release loan due to the strata title issue. This was cause the buyer give up that unit after waiting for one year.

I called Developer to check wheather they have any successful sub-sale cases so far but they refuse to help. They just suggested we can use "way of assignment" (pls correct me if i'm wrong) to apply for bank loan. According to owner, it has no issue for bank to approve the loan but they won't release payment untill the title issued.

I hope any mortgage expert or mortgage officer can give me some advice on this. If your bank can release payment in that condition KINDLY PLEASE PM me. I really want to buy that unit!

Tqvm!!

looking for 2nd housing loan.

property at Miri, Sarawak
purchased price 393,000

Can bank agent PM me about details. I want a flexi loan.

I am usually outstation but if i am back in malaysia i will be in KL. so please KL agents only.

This post has been edited by games130: May 16 2013, 11:00 PM

Hi, I am a first time home buyer and I needed some assistance here. I just booked an under construction apartment and should be signing the S&P within the next 2 to 3 weeks.

The developer has informed me that they have 4 banks as their panels for mortgage (OCBC, RHB, Maybank & Hong Leong). My question is, do I have to borrow from those 4 banks only or I have the option to get loan myself from all other banks.

I intend to take 100K loan only. Can I know what are the interest rates are like. I am intending to go for flexi/semi flexi loan and I hope agents out there are able to help me and guide me through it.

Another thing is the house is bought under 2 names, but can the load be under my name only? Thanks.

This post has been edited by tifosi: May 17 2013, 01:34 PM

First time property buyer. Looking for loan for subsale condo unit priced RM495,000.

solved

This post has been edited by Puchong Family: May 25 2013, 10:14 AM