As agent, they always reluctant to lower a rate as it may affect their incentive/commission and made a claim that lowest limit has been given, I believe. Is there any ways we can check what are the possible lowest bank rate?

tq for sharing.

i would like to share mind. i got interate rate at 4.45 from rhb after 6 month my interest rate was jump to 4.7. can i contact the rhb bank agent to lower it down agen to 4.45

some one pls help me

Hi sifus,

Been offered by maybank semi flexi loan 4.5% without MRTT. Is it good deal?

In order to get lower interest rate, banker attached MRTA to my loan. He asked me to surrender MRTA after the loan process done and take up MLTA.

I don't mind doing it but the question is can I do that?

Will it be any cons or bad records to my profile?

Surrender because I want to take up MLTA. If take both together doesn't benefit me right??

Banker said no penalty, so I ask here to confirm.

HLB quota full for my project

is this thread looking for bank agent? sorry if not.

am looking to refinance 1 of my housing loan from kuwait FH.

property just completed and serviced my 1st installment, but not really happy with the rate they amended.

looking for a refinance package that include Mlta.

hi, currently i got a full flexi loan with cimb with the rate of 4.7%. every month being charge rm 10 for he current account maintenance. should i looking for other loan that possible giving me more lower interest rate and better condition?

saw the advertisement of pbb ABBA islamic offering 4.35 % any 1 apply on it?

I just learnt from my MBB loan officer, the monthly fee for full flexi can't be waived. In fact it is same for Public bank too. You may want to check if yours is semi flexi disguised as full. They may get you to have a checking account but transferring from loan to checking will be charges ..

I've signed a loan offer letter last year for a property that is going to VP in 3 yrs time. There will not be any disbursement of loan until the project VP.

Q: can I cancel the loan since there is no disbursement? Will there be any penalty?

Hi sifu,

I would like to ask is it better to get 100% loan(Skim Rumah Pertamaku/bsn youth housing scheme) or 90%loan? Is there any downside on getting 100% loan? I was thinking to use the 10% DP for progressive payment.

Im a first time home buyer tho. Thanks.

Any sifu here can advice me on which package should i take?
It is a Bank staff loan come with 2 packages:
Package A - fixed rate of 3.5% with 10 years of lock in period
Package B - variable rate (BLR minus 4%) without lock in period

hi all,
anyone have experience that house loan approved w/o having credit card before? just want to check whether it is 100% rejected w/o cc, thanks

I think I did not sign any. I read all doc during i sign.

Also, they need me call and cancel. And recently ask me to pay RM25 for the card.   

Only Alliance do this kind of thing. For me its not ethical

Just a question when comes to home loan application. Will banks view me as risky if i apply too many banks? I want to submit 5 banks to see which can approve and give the best rate. Will it be too much? Or should keep it 3-4?

In terms if bank which is more better?
1.Maybank
2.Public bank
3.HSBC
4.Cimb
5.Ocbc
6.RHB

Need to ask for advise here, i just got my loan approved from hsbc. Should i proceed to sign the LO before they review their rates?

Not sure if ask here will kena flame or not. Tried to search high and Low but could not find much supporting suggestion to help me make decision.

Cause no point asking the bank, they will say theirs is the best. 😂

Bank A - 3.93+0.32 = 4.25%
Bank B - 3.05+1.20 = 4.25%
Bank C - 3.52+0.63 = 4.15%

1. Is it stupid if I don’t take Bank C straight away?
2. If to consider Bank A and Bank B, which one is better for me? Lower BR or Lower spread?
3. Anything else that I have missed out?

To take note, all semi-flexi and I’m happy with their services.

🙏 3 offers but in a conundrum which to accept.

HLB no news?

I have been told by HLB banker their BR also dropped 0.25

so full flexi is better? sifus plz advice pros n cons...