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Investment SETIA ECOHILL (Version 3), Inspiring Eco Township in Semenyih

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samkps
post Oct 22 2013, 10:42 PM

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QUOTE(cheryee @ Oct 22 2013, 10:39 PM)
Lol lol lol ... Can get extra discount from sps mou? tongue.gif
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Ask your idol, Dato LKS lah. I small potato only, mana tahu... tongue.gif
samkps
post Oct 22 2013, 10:43 PM

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QUOTE(cheryee @ Oct 22 2013, 10:35 PM)
Dsl from 700k onwards
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Freehold and same package as SEH kah? rclxub.gif
samkps
post Oct 22 2013, 10:54 PM

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QUOTE(calvinkschong @ Oct 22 2013, 10:53 PM)
Which RHB banker you looked for?
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Personal banker... sad.gif sad.gif
samkps
post Oct 22 2013, 10:57 PM

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QUOTE(calvinkschong @ Oct 22 2013, 10:55 PM)
Normally they are not so aggressive  biggrin.gif
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Agree, same as been told by Darween before, already submitted, what to do? Wait for these two days loh... sad.gif sad.gif
samkps
post Oct 23 2013, 05:00 PM

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QUOTE(cheryee @ Oct 23 2013, 02:19 PM)
Neighbours,

I sudah dapat LO from RHB.

Blr-2.45%
No lock in period
No set up fee
No mthly maintenance charges

thumbup.gif  thumbup.gif  thumbup.gif
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Wah, bagus.. is it full flexi ar?
samkps
post Oct 23 2013, 05:05 PM

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QUOTE(cheryee @ Oct 23 2013, 05:02 PM)
Duno semi or full flexi, coz belum read the T&C yet
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No monthly maintenance fee shoud it be semi flexi? icon_question.gif
samkps
post Oct 23 2013, 05:10 PM

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QUOTE(cheryee @ Oct 23 2013, 05:09 PM)
Sam kor,

I dunno woh.

Darween,

No maintanence fee = semi flexi?  unsure.gif
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If semi flexi, want to take out money very mafan one... cry.gif
samkps
post Oct 23 2013, 05:14 PM

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QUOTE(natman @ Oct 23 2013, 02:29 PM)
Anyone apply with hlbb?
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I applied as well.

Approved, full flexi, Blr-2.40, 3 years lock in, no MRTA, RM 200 processing fees, RM 10 monthly maintenance fee.

I applied for DSL, if semiD, i think can get better package.
samkps
post Oct 23 2013, 05:17 PM

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QUOTE(cheryee @ Oct 23 2013, 12:07 PM)
Kancil!
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Drive kancil and have two SEH Plavia 2 units, only CY taikajie can do it... brows.gif brows.gif
samkps
post Oct 23 2013, 05:18 PM

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QUOTE(calvinkschong @ Oct 23 2013, 05:16 PM)
May I know how long for your loan tenure? 30 years?
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35 years leh, since it's flexi account. brows.gif brows.gif
samkps
post Oct 23 2013, 05:20 PM

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QUOTE(cheryee @ Oct 23 2013, 04:08 PM)
LKS ada ramai fansi here!  rclxms.gif
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Actually I am the real fansi for roti canai and kfc... tongue.gif
samkps
post Oct 23 2013, 05:23 PM

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QUOTE(calvinkschong @ Oct 23 2013, 05:19 PM)
I thought HLB's maximum loan tenure is 30 years.
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Huh, is it? this one I need to double confirm with the banker again. That day when I submited the documents and requested for 35 years, the banker didn't mention anything woh..
samkps
post Oct 23 2013, 05:27 PM

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QUOTE(TFCapital @ Oct 23 2013, 05:19 PM)
Sam kor, your 3 years lock in is from first draw down?
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Lol, I thought only CY mui mui will call me "Sam kor" only... tongue.gif

Yeah, HLB 3 years is from first drawdown.

So far only the Maybank banker told me it is 3 years after full draw down. WTH...
samkps
post Oct 23 2013, 05:33 PM

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QUOTE(calvinkschong @ Oct 23 2013, 05:25 PM)
Some people said HLB maximum loan tenure is 30 years, some said 35 years. Anyway, you can confirm with the banker again  smile.gif
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okie, will let you know once I get the confirmation. By the way, HLB do offer the "renovation package" attached to the loan. If those really need it in order to compensate the dp they forked out, perhaps can consider the HLB..
samkps
post Oct 23 2013, 05:36 PM

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QUOTE(calvinkschong @ Oct 23 2013, 05:25 PM)
Some people said HLB maximum loan tenure is 30 years, some said 35 years. Anyway, you can confirm with the banker again  smile.gif
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Just received the confirmation, it is 30 years.. sad.gif sad.gif

Sorry for the mistake info...
samkps
post Oct 23 2013, 05:39 PM

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QUOTE(darween13 @ Oct 23 2013, 05:31 PM)
Yes indeed.

For Full Fexi: You will have a CA and SI is made to debit your account monthly, so payment is made to CA and not your housing loan account. Hence, the account maintenance fee of RM10, nowadays bank charge SI fee of RM10, but this is for setting up the SI, not monthly - so, bank is ripping us off. But, if they dont rip us, I wont enjoy >1/2 year bonus, so cannot complain.

For Semi Flexi: Only 1 account is created, housing loan account - in which division is created - one is Advance Payment and the other is Capital Payment. I am relating this to OCBC as I have little knowledge on how all banks work. But, banking system / framework is roughly the same so, they all should be somewhat practicing similar methodology, at least in theory.

So, if you deposit just your monthly repayment amount, then no issue, but if you pay more than what you need to, say, instead of RM3k, you pay RM4k. RM1k is excess and this is considered as Advance Payment, so, the next day interest calculation will be: (Total Loan - Total Installment Paid - Total Advance Payment) x Interest, so effectively, you pay less interest. But, this advance payment is no longer withdraw-able.

But, if you pay instead of RM3k, RM10k, excess of RM7k is considered to be Capital Repayment, so, next day interest calc. is similar to advance payment method: (Total Loan - Total Installment Paid - Total Advance Payment) x Interest, so effectively, you pay less interest. But, this capital repayment is withdrawable.

But, in semi flexi case, withdrawal can only be made over the counter (OTC) and not by issuing cheque such as Flexi account. U pay for the convenience lo.
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Well said... rclxms.gif

OCBC banker told me semi flexi not only need to be done over the counter, and they will charge some money (RM 30 or RM 50, can't remember) for every withdrawal transaction. sad.gif
samkps
post Oct 23 2013, 05:44 PM

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QUOTE(TFCapital @ Oct 23 2013, 05:41 PM)
All my home loans i use full flexi. It is just convenient and save lots of interest when ever extra cash go in.
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rclxms.gif rclxms.gif

I don't mind to pay the RM 10 monthly maintanence fee for the flexibility I get. thumbup.gif
samkps
post Oct 23 2013, 05:46 PM

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QUOTE(darween13 @ Oct 23 2013, 05:44 PM)
Kancil is her market car lo..
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typical example of pearl in the hay... brows.gif brows.gif
samkps
post Oct 23 2013, 05:51 PM

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QUOTE(darween13 @ Oct 23 2013, 05:48 PM)
Sure eh?
Mine is 35yrs, i just called Chris the banker.
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The banker told me they will offer the loan until 65 years. hmm.gif

So, apparently I am older than you... tongue.gif tongue.gif
samkps
post Oct 23 2013, 05:53 PM

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QUOTE(darween13 @ Oct 23 2013, 05:50 PM)
RM10 for each withdrawal. Not so high lo.
smile.gif
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Oh. only RM 10 ... I think I have mistakenly heard that day... tongue.gif
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