hi guys, can u guys share wat current rate of loan nowadays ?

last year i got 4.3% for 300k total loan.
this year i got 5.25% for 150K total loan.

i know the rate will be higher if the loan amount is smaller, but i think the rate is quite high.

If profile grading is good can appeal 4.4 without mrta from few bank, few bank can offer this rate, as for ambank depends with officer I had done rate 4.36 for loan amount 200k++

Wah. 4.3 for 300k.. Even director can't approve at my place..

What is the best rate for 700k without MRTA in the market?  4.45%?

By the way, any disadvantage that I should know on Islamic HL? Tempted on the 20% discount on Stamp Duty.  Was informed no disadvantage.  Can early settle with rebate given.

4.3 for 300k with mrta, this rate i got before the BLR increase and change to BR.

after BLR increase, now it increase to 4.55%. fyi, this is my 1st  housing loan and 2nd loan. my 1st loan is asb, so i dont hv much commitment.

this year i want to buy another house. but offered 5.25% for 150k, which i think very high. this is from cimb. other bank still pending approval.

What is the best rate for 700k without MRTA in the market?  4.45%?

By the way, any disadvantage that I should know on Islamic HL? Tempted on the 20% discount on Stamp Duty.  Was informed no disadvantage.  Can early settle with rebate given.

Can get 4.35 subject to profile grading. Average 4.4 should be no problem without mrta. There's a slightly disadvantage documentation for loan legal is more compare with conventional loan therefore for professional charge at loan legal fees there will slightly higher. And early settle with rebate given? What do you means by this?

Boss, 4.45% is considered good already. Probably 4.40% the best but could be rare case.

According to https://ringgitplus.com/en/home-loan/, one can get 4.25% from AmBank home loan...

you guys are so riteeeeee... I walked into another ambank banch, wanted to check if can resubmit my app and how long it would take, the agent told me my app was only submitted on 30/7, when i submitted all the documents to them on 14/7.

previously when i checked with this agent who deal with my loan app, she told me on 24/7 tat my loan was pending final approval, but how would the loan pending final approval when it was not even submitted tat time..

When I checked with the agent why my approval took so long, she first told me they need to run check on the presence of business premises, hence taking longer. I told her i realised my app was only submitted on 30/7, then only she told me bcoz the documents were incomplete, my bank acc number was not appeared on the bank statement, hence they need to run the check on presence on premises, and hence took longer. She has nv informed me anything about incomplete document, and has nv requested me to submit any further document. With the 'bank acc not appeared on bank statement prb', i can easily walk into bank and ask the bank to do a verification, and i did everything within tody aft I realised abt this prb. If she informed me earlier, they wouldnt need to run the whole 'check on business premises' thingy... speechlesssssss... its so rediculous.. I contacted the branch manager who actually accepted my documents that day, he actually pushed all the blame to me, asking me back how would they giv approval when documents incomplete... damn it!!!!!!! I kept telling him his agent din inform me anythg abt the incomplete documents, but he just ignored...

im to my max of tolerance already.. actually file a complaint to ambank... they deserve it..

I have checked with ambank agent, she said not possible to ask for waiver for the monthly fees...there will always be a monthly fees..may i know how do u get the waiver huh?

According to https://ringgitplus.com/en/home-loan/, one can get 4.25% from AmBank home loan...

I tend to believe that the info wasn't updated or being mis-stated.

Maybank full flexi is not pure full flexi it's like more to overdraft. If want full flexi consider CIMB but confirm rate very high, I don't think Cimb able offer such rate 4.4 when approve

Wondering what is the best rate now for 450k loan with MRTA? As my agent told me average 4.45% ... So i still waiting for the approaval & final rate.

my case is almost the same as well... the agent is not efficient AT ALL.... very late and super slow in responding... other bank which i submitted 2 weeks after Ambank also replied faster then this agent. Not only that... she gave wrong information somemore... told me full flexi with minimum 1k excess amount can waive the monthly fee....not only that... i had to send my documents few times... always keep missing my email... dont even know how to search emails.... "ah already send? i didnt receive can send again?"

but then its really the Agent's problem... Because after that i got another agent's contact just talked to her like 5 mins in phone... she gave me super clear explanation on how their flexi and semi flexi works. Now im thinking on how to change the agent..... hope its possible.

guys, want check with u.
i hv received LO( letter of offer) from 1 bank, others still pending approval and  1 of the bank just approved today. i want to compare all banks 1st before accept the offer.

there is 14 day validity of this LO, if already exceed it , then mean the offer no longer valid ? how if i want to accept that loan but its already exceed the validity date?

Depends with bank, which bank LO you receive? some 7 days some 14 days, however sometime you can try request banker to extend the LO validity date.