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Financial BLR Increase 2014?, Base Lending Rate.

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juniortok
post Jul 23 2014, 12:57 PM

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What is linked bungalow?
XperiaZ1C
post Jul 23 2014, 02:58 PM

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QUOTE(gogo2 @ Jul 23 2014, 12:36 PM)
yalar, more transparent. KLIBOR always change. Negotiate also no use.
aiya, developer so many. How to control since DISS is so subtle.

But bank give discounted rate is so obvious to Bank Negara. Some more Bank got a few only. Easy to monitor.

Ending soon? Come on la. Investor friendly era already ended when 2013 ended. If you can't get loan, you can't invest.
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but buying spree does not seems to be dying down... still many ppl ballot for new projects...

i wonder come 2016 and 2017 when so many supplies coming in how the market will be..

shall i wait ?
SUSgogo2
post Jul 23 2014, 03:01 PM

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QUOTE(XperiaZ1C @ Jul 23 2014, 02:58 PM)
but buying spree does not seems to be dying down... still many ppl ballot for new projects...

i wonder come 2016 and 2017 when so many supplies coming in how the market will be..

shall i wait ?
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Buy or not buy depend on you. Because you will jump from 14th Floor if u didn't buy. But if you buy and later price crash, you will also jump from 14th Floor.

Buy you die.
Not buy also you die.

I think you better make your own decision because this concern life and death.

About the balloting for new project, those are just actors hired by company. Still many unsold units.
XperiaZ1C
post Jul 23 2014, 03:03 PM

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QUOTE(gogo2 @ Jul 23 2014, 03:01 PM)
Buy or not buy depend on you. Because you will jump from 14th Floor if u didn't buy. But if you buy and later price crash, you will also jump from 14th Floor.

Buy you die.
Not buy also you die.

I think you better make your own decision because this concern life and death.

About the balloting for new project, those are just actors hired by company. Still many unsold units.
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hmm... does it imply those stickers on the board are fake? shocking.gif
SUSgogo2
post Jul 23 2014, 03:03 PM

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QUOTE(andyyaosmurf @ Jul 23 2014, 03:02 PM)
Anyway it sound like good news about BLR will not increase another 25 basis point at september
http://www.malaysia-chronicle.com/index.ph...3#axzz38GqZao3O
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Scared liao. Hahaha.. I think a lot of developer sounded at Bank Negara.
SUSgogo2
post Jul 23 2014, 03:04 PM

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QUOTE(XperiaZ1C @ Jul 23 2014, 03:03 PM)
hmm... does it imply those stickers on the board are fake?  shocking.gif
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We call it sticker game.

Two outcome from this:-
1) made by the developer to entice buyer to buy
2) 50% of the sticker loan got rejected
XperiaZ1C
post Jul 23 2014, 03:09 PM

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QUOTE(gogo2 @ Jul 23 2014, 03:04 PM)
We call it sticker game.

Two outcome from this:-
1) made by the developer to entice buyer to buy
2) 50% of the sticker loan got rejected
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No wonder developers always preview preview or soft launch...

if so good take-up can fast fast sign s&p liao.. wait what...

correct me if i am wrong.. just started to observe the market sweat.gif



SUSgogo2
post Jul 23 2014, 03:11 PM

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QUOTE(XperiaZ1C @ Jul 23 2014, 03:09 PM)
No wonder developers always preview preview or soft launch...

if so good take-up can fast fast sign s&p liao.. wait what...

correct me if i am wrong.. just started to observe the market sweat.gif
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It was really good from 2011 to 2013. This year is total collapse for developer. Every development still got many units available.

Just choose the best one.
Mathew86
post Jul 23 2014, 03:57 PM

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QUOTE(Tigerr @ Jul 23 2014, 11:29 AM)
hmm.gif 1 million drop to 900k.....laugh.gif
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If reached 1million , eligible selling to foreigner . Lol
Tigerr
post Jul 25 2014, 12:48 AM

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QUOTE(gogo2 @ Jul 23 2014, 03:01 PM)


Buy you die.
Not buy also you die.

I think you better make your own decision because this concern life and death.


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If like that, I think u better start go find the right size coffin as buy or dont buy,u still need the coffin....laugh.gif
kamilnu
post Jul 25 2014, 06:00 AM

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QUOTE(frozenne @ Jul 24 2014, 10:23 PM)
received letter from Stand Chart, installment adjusted from to RM2,460 to RM2,524

takde rasa too  cool.gif
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Your suffering has just started.....it will come thick and fast. If no effect no need to re-assure yourself what.
blessedvillain
post Jul 25 2014, 08:31 AM

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QUOTE(kamilnu @ Jul 25 2014, 06:00 AM)
Your suffering has just started.....it will come thick and fast. If no effect no need to re-assure yourself what.
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What to do... Every investment be it property investment or any business investment will have its own risks, such as operation cost up every now and then. It depends on how well prepared you are to face the impact. Businesses also have loans, if every time there's interest rate increase and potentially causes major crisis, then a lot of businesses will close down. Don't think we are at such level.

For properties loan interest up, either you:
1. Transfer or share the additional cost with tenants.
2. Cut back on spending
3. Factor the interest rate increase into property selling price when you exit or cash out.

I think Malaysians generally are very resilient lot. We improvise and adapt to change. BLR increase, no problem, execute damage control plan.

Tigerr
post Jul 25 2014, 08:36 AM

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QUOTE(kamilnu @ Jul 25 2014, 06:00 AM)
Your suffering has just started.....it will come thick and fast. If no effect no need to re-assure yourself what.
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When GST comes, tnb tariff hikes, petrol subsidies cut, etc etc how? Shall we start to shop for coffins? The sufferings ll be more thicker n faster than that 0.25 basis points...
Rabel
post Jul 25 2014, 08:57 AM

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QUOTE(kamilnu @ Jul 25 2014, 06:00 AM)
Your suffering has just started.....it will come thick and fast. If no effect no need to re-assure yourself what.
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U r referring to all of ppl or certain of ppl?😀😀
LDP
post Jul 25 2014, 09:19 AM

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In general, interest rate will slowly inch up over the next 12 - 18 months unless commercial banks are so generous that they are willing to absorb any increase in OPR without passing the burden to their customer base. Even if there is no hike in Sept meeting, interest rate will continue to increase over the next 12 months or so.
Tigerr
post Jul 25 2014, 09:41 AM

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QUOTE(LDP @ Jul 25 2014, 09:19 AM)
In general, interest rate will slowly inch up over the next 12 - 18 months unless commercial banks are so generous that they are willing to absorb any increase in OPR without passing the burden to their customer base. Even if there is no hike in Sept meeting, interest rate will continue to increase over the next 12 months or so.
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In another 5-6 months coming, salary also ll get increment lor. Bonus also ll arrive lor...may be got another BR1M too....laugh.gif
SUSgogo2
post Jul 25 2014, 09:55 AM

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QUOTE(Tigerr @ Jul 25 2014, 09:41 AM)
In another 5-6 months coming, salary also ll get increment lor. Bonus also ll arrive lor...may be got another BR1M too....laugh.gif
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I don't think so lor. Boss nowaday also headache coz everything naik. Rent naik. Semua naik. Luckily I still got increment. Hahaha...
petlu28
post Jul 25 2014, 10:00 AM

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RHB didn't increase monthly repayment.
Rabel
post Jul 25 2014, 10:00 AM

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QUOTE(LDP @ Jul 25 2014, 09:19 AM)
In general, interest rate will slowly inch up over the next 12 - 18 months unless commercial banks are so generous that they are willing to absorb any increase in OPR without passing the burden to their customer base. Even if there is no hike in Sept meeting, interest rate will continue to increase over the next 12 months or so.
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In general, rich ppl become richer, poor ppl become poorer
Too Kia c n too pandai Kira middle group oredy down grade to middle lower group. 😝😝

SUSgogo2
post Jul 25 2014, 10:08 AM

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QUOTE(petlu28 @ Jul 25 2014, 10:00 AM)
RHB didn't increase monthly repayment.
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Then they probably prolong your suffering. hhahahahahhahaha

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