Wah pelanggan setia tiger bank ni 😸

sikit sikit lor...

Maybank uses very vague term to confuse customers instead of full flexi and semi flexi.

Term loan is called semi flexi by Maybank. There is another loan package called flexi which is full flexi.

I got cheated by the loan officer last time, she told me all home loan are full flexi but gave me term loan.

Luckily, she got kicked out from Maybank after I complained about her.

Yes, it will reduce interest if you have excess. But everytime you withdraw you are charged rm25 plus GST.

Term loan is a very general term used by all banks for long term loan ie: mortgages where as semi flexi/full flexi/PPP are just the product name.

Another example would be OD is a general term but there are product names like muharabah-I etc..

Guess she must have been very unlucky to get kicked out.

This post has been edited by mthc: May 14 2016, 05:47 PM

Boss, I would say term loan is a general terminology used and whether semi flexi / full flexi / no flexi is the features of the product.

On the last para - from my observations and experience seems more and more sales personnel from the financial institutions getting less professional and some even worst with bad attitude.

This post has been edited by Jasoncat: May 14 2016, 06:27 PM

Duno wor.. I'm not very familiar from consumer side. But from what I know is that all these are products tho like PPP etc.

My RM is very nice to me tho. Always serve me chinese tea in kopi shop..

Maybe you are just unlucky to come across such sales personnel.

This post has been edited by mthc: May 14 2016, 07:05 PM

What is RM?

relationship manager

hi anyone know how to withdraw advance payment from the housing loan account? semi flexi type

HNWI gets RM which are usually young, pretty and very free to entertain your questions.

Poor people like me gets grumpy bankers who just want to process your file and move on.

That's the difference lor.

Work in a bank ma.. that's why know the rm.. I'm not HNWI

Come, move to my RM.

Pretty, single but not so available.

Manage to get another loan approved as well under her.

2 days time lagi.

Used to be tied with Tiger bank but they have been giving me shit since earlier this year. Refused to give me 90% zzz

Hahaha.. how old is yr rm 😎

LOL this is not the sort of comment I expect to see in a loan discussion thread.

hi guys, i'm looking at maybank islamic home loan, semi flexi.

question: if i put in money before the building is fully built up, can i use the redraw facility?

Can but you need to inform the bank for doing so.

i see tqvm!

Hi, do you know if the excess payment will be used to offset against the monthly instalment and to withdraw the excess payment, need to go to the branch? Thanks

just do it online payment to your account
you'll see excess payment there

anyone perform advance payment for their Maybank islamic housing loan (semi flexi)? how is the procedure and how to do withdrawal subsequently?