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.