QUOTE(vislai @ Oct 28 2013, 11:28 AM)
welcome back to weekday gossips. haha..

By the way, i plan to sign my LO today. Can you guys help to give some opinion which offer to take:

a. CIMB blr -2.4, fully flexi, 90% full loan, rm200 set up fees, monthly rm10 for maintenance, current account with cheque book. 35 years tenure. No MRTA/MLTA

b. Hong Leong, blr -2.4, semi flexi, 89% loan margin, no set up fees, no monthly maintenance, no current account, 35 tenure, optional renovation fees RM94k (interest follow market rate after VP).

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Hi Bro Vislai,

Option B: I have few queries:
1) Are you sure it is 35 years loan; I double check, triple, quadruple checked with HLB - they can offer max 30 years. Please clarify
2) Do you need the Reno Loan - of RM94k; the interest for this is like Personal Loan interest, 7.5% onwards fixed.
3) Are you going to be paying extra every month and may want to withdraw in future?


Darween taikor,
yes, you are right, my bad, hong leong max is 30 years! About the Renovation loan, it is following the BLR 6.6%, (depends on the BLR rate after VP).

So, if i opt for hong leong, each month the commitment is higher than CIMB installment.

other bank give me blr -2.3, that's why i am considering among hong leong and cimb only.

sam kor, already tried Rhb, but wait until now still no news, probably been rejected gua, their DSR calculation is quite low, maybe i can't pass their assessment. Anyway, i am going to sign cimb. their lenglui banker will come to find me later.

happy to hear that.

doom2 kor, your rhb banker lenglui one ma? haha...if not lenglui plus slow response,

i remember in thread version 3, one of our DSL buyer (Aquatilis) get blr -2.45, probably is because the loan amount over than 500k

morning neighbors. Today busy abit so can only reporting here at mid-day. =)
i signed my cimb LO yesterday, been informed to open a current account for flexi housing loan.
I have a question here, since i have an existing cimb personal current account with cheque book and atm card. Do i still need to open this extra current account (set-up fees rm200)???

bro darween kor,

i just got back from CIMB bank laa....they said must open a separate current account ar...cannot link together, except the atm card link to my saving account atm card.

everything settled already. Send my new current account info to the lenglui banker to follow-up, now just waiting to sign SPA. yuhooooooooooooooooooooooooooooooooooooo...

I have signed the same offer with yours from cimb.

bro, which bank?

yup, just wait for SPA signing only. Which bank you sign?

28.....

i also received a sms from SEH this moring, ask for my confirmation for their SPA preparation. Cheers.

probably.

[quote=divingfaces,Oct 30 2013, 11:42 AM]
[quote=vislai,Oct 30 2013, 11:36 AM]
probably.

[/quote

How will SEH know if we have signed or not signed LO from bank leh? Bank will tell SEH issit ?

[/quote]

banker will send the signed document to the solicitor appointed by SEH.

hahaha...with this age you can own 900k semi-D, terror la bro darween..hot chicks will all aim at you...wakakaka

haha..yaya...he leak it out from previous posts.

wahahaha.bro...don't give up the forest by a single tree la...hahaha...you are millionaire now.

darween kor, you planned to get another one bunglow in EG?

cy taikarjie, how can i arrange to sign the SPA and loan agreement at the same day arr? Usually it is a separate procedure right?