rhb quite aggressive with home financing. simple and clear. no hinky pinky hidden charges

What interest you guys got? 4.4?

ok, thanks.

Buy what?

i get my interest is 4.0%+0.4% on last year sep 2015 . now become 3.65+0.4 = 4.05%.

I just applied close to 2mil loan under RHB. Got 4.3% despite appealing few time with CLTA

Last year I got my loan 4.40% from rhb after appeal with mrta

I don't really understand that 1,000 multiple requirement for pre-payment and have to visit bank for withdrawal.

I thought can open current account link with housing loan account that can direct write cheque or direct transfer from housing loan account back to current account?

My loan amount around 450k

Why some of reply they said : for pre-payment and have to visit bank for withdrawal.

Moreover, during construction period which we required to pay interest. During the construction period can we offset some of the interest by putting an amount into the housing loan account?

Same plan as your approved 4.4%. Loan amount 450k

Moreover, last Friday I been to rhb branch ask for S.I. The agent told me that now saving can directly S.I from saving account instead of creating a new current account. The agent told me that current account need to maintain 1k at least, if not charge incurr.  Any one know about it?

for rhb... Their current and loan does not link each other... For principal reduction, you only can make at every thousand... It is slightly different from other banks. In rhb, it is serve at annual fees at rm 10 bucks if the balance it's less than 1k upon due every year..

Principle account = Loan account?
Saving account = normal account where you create SI to deduct the loan repayment amount from this account to the loan account?

Correct? 

1)Saving account
2)Loan account
3)Principle account

Do S.I which mean saving account link to loan account. For example, if 3/1/17 you required to pay RM200.00 interest to RHB. RHB will automatically deduct RM200.00 from your saving account (So call SI, given bank authority to deduct from saving). Correct me if I'm wrong.

Principle account which to use to deduct some of the interest (multiple by RM1,000.00). For example this month you bank in RM5,500.00, RHB will only offset RM5,000.00 interest rate instead of RM5,500.00 (because RM500.00 doesn't multiple by 1000).

To remind you'll again. During construction period (bank no yet release full amount to developer yet) all your money bankin to principle account can't be withdrawn. It can be withdrawn until bank fully (100%) release the money to developer.

Hope understand. If wrong do correct me 

This Bank has a good full flexi loan structure , though not  sure about the interest rate ..:-

With Standard Chartered MortgageOne™, your savings, current, home loan and deposits are all rolled into one account. Any deposits made into this account reduce your outstanding loan, which means the interest paid is also lower. You can expect to take years off your mortgage because every MYR you deposit pays off your loan, not your interest.

https://www.sc.com/my/borrow/mortgages-mortgageone.html

Well, I am not promoting for this bank, but u can check with them on how they compute a full flexi loan, and then u make some comparisons.

Importantly , a full understanding of the features of their loan offered is an added advantage, though it may not necessary for u  to take a loan from this bank.

IF bank  does  not reduce the interest charged automatically for u , unless u tell them to knock off the principle sum..let say with a big  lump sum paid ..in a way there is a cheat some where.

ya. need to have saving account for withdrawal. current account is optional.

why say so bro?
but from my agent he also claimed that saving acc is sufficeint to set SI already. I opened a basic saving acc right after I signed my LO, few days a go I login RHB NOW my loan acc already there but still not start paying yet

it needs the current account to link, be it fully or semi flexi..

pls also note rhb already moved to paperless in 2H 2016, hence many of us may not receiving the posted hardcopy nimore..

if the current account is not active or u opt not to have it, we have no choice, but to open up a saving account w them to check online, w rm250 can uplift later..