Since Maybank has lowest br, does this means it might has higher chance increase the br compare others bank?

For loan of RM300K. I was offered interest of 4.45%, lock in 3yrs, semi flexi. Is it a good rate? 

Since its under BR, since the spread is quite high as compared to other bank, wat will happen if the bank cost of fund increase on future. The interest will b higher than other banks which their spread is lower.

Haha... I bet none of the banks in town will change their BR in March.

Hi, need some advises here.

All get 90% loan from prop 500k

Bank C*MB:
Full flexi
no lock in period
4.6% rate
tenure 35 years

Bank R*B:
Semi flexi
4.45% rate
tenure 35 years

Bank HL*:
Semi flexi
no lock in period
4.45% rate
tenure 33 years
withdrawal: RM50 per transaction
Which one is better? I thank for you input in advance!

FYI: all is islamic loan

No, there is no such thing that BR will be revised eveey 3 months.

Bank negara didn't specify that base rate will change every 3 months. But do remember that BLR is still in place for older loans and it will change . Spread is also determined by factors such as credit rating and also amount being borrowed.

I heard that BLR is replaced by BR already right?? I was planning to get married this year and stay together with my spouse in our new house, planning to buy one hehe. Dont want to stay with parents la, not much privacy la.  Anyone know how will the BR interest loan rate when GST come in on April? Will it get affected too ???

atm BR is not that convincing to everyone i guess
anyway let's wait for the first review of the BR rate after this march

BR can be reviewed once every 3 months while BLR once every 6 months.

Hi All,
I would like to check about method to get additional cash by refinancing my home.
Current outstanding loan RM 190k. Current House price is 500k-550k range.
Existing BLR rate is BLR-2 %.
If i get a new 250k refinancing loan:
1) would i be able to get the additional cash of 50k immediately.
2) Does the homeloan now need to pay lawyer fees and all.
3) How long will the process take.
Thanks

When the banks were required to submit their BR to BNM in December 2014, 3M KLIBOR that time was high at around 3.80% - 3.90%. With the 3M KLIBOR easing to around 3.70% - 3.75% now, it is expected that those which use the KLIBOR as the benchmark cost of funds will see their BR reduced accordingky after 31 March.  I believe other banks should have similar adjustments.

what is the latest cimb br? 4%?

Recently i got 2 loan offers for under construction housing project but still making tough decision. Both are islamic loans.

Bank P:
Lock in period: 3 years
Interest rate: 4.55%
Tenure: 35 years
MRTA: RM900++ for 7 years  ( the minimum one)
Margin of Financing: 80% (144k)
RM200 processing fee, after GST it comes out to be RM212

Bank H:
Lock in period: No
Interest rate: 4.70%
Tenure: 30 years
MRTA: RM700++ for 5 years ( the minimum one)
Margin of Financing: 100% (150k)
Question 1: Not very sure which one is full flexi or semi-flexi. Is this important for us to consider? What is the different btw the both?

Question 2: Heard Bank H officer said Bank P may start charging interest  if there's no payment after 1 month, whereas they only start charging after 2 months. Is that true? or is there anything else do i need to check with them?

Question 3: Which package is better after taking  into consideration of interest charging period in my question 2.

Question 4: Heard Bank H officer said MRTA is compulsory to take in order to get good rate at 4.7% . Is that true? Can i opt not to take it?

Kindly advise.