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Financial RHB offers full flexi?, House Mortg
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samkps
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 Jun 26 2015, 12:57 PM
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QUOTE(s.n.a.g @ Jun 26 2015, 12:03 PM) i'm using the same lawyer for SPA and loan. will ask for discount. i'm torn in between RHB and Maybank now. RHB, full flexi, higher MRTA, additional RM38 every month that will total up to RM15K in 35 years. Maybank, semi flexi, lower MRTA. i save RM15K in 35 years. If you not taking the MRTA from RHB, then your RHB installment got increment? By how much? |
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samkps
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Jun 26 2015, 01:56 PM
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QUOTE(s.n.a.g @ Jun 26 2015, 01:47 PM) didn't ask. haha. but i've decided to change the MRTA to 15 years instead. friend said 25 years are too long. being a grown up is not fun  Lol... Bank cannot force you to buy MRTA from them.. Of course normally with MRTA package, bank can offer you a better rate. If the different is not much, I would suggest you to take the full flexi account. |
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samkps
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Jun 26 2015, 02:45 PM
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QUOTE(s.n.a.g @ Jun 26 2015, 02:35 PM) for 25 years, Maybank 11K, RHB 19K. i save rm30+ a month if i go with Maybank and RM15K for 35 years haha. Maybank semi flexi RHB full flexi Take loan from RHB, buy MRTA from Maybank..  |
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samkps
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Jun 26 2015, 03:19 PM
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QUOTE(s.n.a.g @ Jun 26 2015, 03:03 PM) reduced the MRTA to 15 years. UOB interest is 4.45. the rest of the banks just disappeared after i've submitted my docs. Lol... all up to your preference.. Even you want to reduce MRTA to 5 years also no problem, as long as the bank lock in the offer rate. |
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