Currently, which bank is offering the best mortgage interest rate? I plan borrow ~400 to 500 k. What is the %.

thank you.

Yeah understand if required to pay 10% down payment, definitely need to have that amount of money in bank.

Just that now most project developer selling future price, and with rebate, only need to pay 2% DP.  not sure to say if this is marketing strategy or what, but eventually causes disappointment

Would you suggest taking MRTA for property offered by bank that lends the house loan or just standalone? If want to MRTA, do you suggest another third party? Will it be cheaper?

Hope to have your best recommendation..

I dont intend to keep the property for long time. As my family grows, I may decide to move to another house and sell this property maybe in 10 years time. Based on this scenario, you still recommend me taking MRTA?

Secondly, usually banks will charge how many more % premium for MRTA? Is it cheaper than doing at other places? What are the pros and cons of buying MRTA from bank (besides maybe lesser borrowing interest rate)?

I have received an offer from both MBB and PB with the same interest rate for the same semi flexy . Maybank is called MaxiHome and PB is called Home Plan.
The installment is just two ringgit different .

Can i know which one would be the advisable choice?

Amount: RM355k
Takaful:RM14,447.79
Tenure: 35years
Rate:3.15%

Guys..is this deal okay to be proceed?
Btw that takaful is that MRTT or MLTT?

Loan amount - RM620k
Loan tenure - 35yrs
MRTT cover full sum assured and tenure, premium finance in loan RM32,152
Instalment with MRTT RM2438
Rate - 2.80%

Any opinion on this? First-time homebuyer here. Thank you.

Yeah semi flexi loan. I'm not sure whether to take MRTT 35 years or MLTT 30 years. Both covers 620k.

If I pay off my property earlier (eg by 30th year), maybe the 30 years MLTT insurance is better? And it covers fixed amount..

Hi. First time home buyer here. Is it ok to knock all bankers door to find best rate or will that not look good for my ccris?

Need advise

Margin : 83%
Loan amount: RM416,658
Loan tenure: 34 years
Rate: 3.25%
Mrtt Full coverage RM416,658
for 30 years + 4 construction, premium is RM20,320

for 25 years + 4 construction, premium is RM14,131

for 20 years + 4 construction,  premium is RM9,679

which mrtt options to choose?

Hi all, can advise if 2.97% is consider a good rate ?
Loan amount 511,200
35 year
Insurance 26,624
Monthly payment Rm2070

From pbb

appealed for 3.05%
This is the only bank approved me haha.
High risk profile maybe

Since she's been working there for a while, she should know this policy, but why doesn't she tell me earlier?
Whenever I ask, she keeps saying "I don't know.".

The reason I was worried is that other banks check my ECCRIS, and I have already had two PBB loans (she said the first can't key in data anymore hence need to create a new one), yet I still submitted them and all of them rejected my loan.

I recevied two offers,

HLB Flexi
2.88 + 0.17 = 3.05
70% cap for interest savings

RHB Flexi
2.7 + 0.3 = 3.05
No cap for interest savings

Should i also consider the spread? Cause notice HLB & RHB used to be about the same back in 2015, HLB BR = 3.99 & RHB = 4.00, over the time now HLB BR = 2.88 & RHB 2.7, the BR gap from 0.01 became 0.18 now. Potentially RHB BR go up higher one day? Then spread will be playing a significant role by then.

The other concern is I read thru many discussion  in lowyat and I saw many mentioned that the RHB flexi is not that 'Flexi', but most of the discussion got quite a bit of age now,  or over the time it became better now? any sifu can give some advice?

References:
RHB BR history https://baserate.my/rhb/index.htm
HLB BR history https://www.hlb.com.my/content/dam/hlb/my/i...s-of-blr-br.pdf

Guys, I got a question. Let's say I got 100k, house property 700k, semi flexi.

Option 1:
Take 100% loan, then put in 100k to principle, to reduce interest.

Option 2:
Put in 100k, then take 600k loan.

Will both be the same repayment? Or which 1 better? I don't want to pay so much interest for bank.

question on HLB
https://www.hlb.com.my/content/dam/hlb/my/d...re-sheet-en.pdf

Interest is calculated on the Eligible
Outstanding Balance, which is the difference between the loan
outstanding balance (inclusive of charges) (“Outstanding Balance”)
and the Advance Payment or up to 30% of the Outstanding
Balance, whichever is lower.

means extra money pump in only can save up to 30% of the intereset?

Bank A ( HLB semi Flex)
Loan amount: RM 889,200
Tenure:33 years
3.05% monthly
Installment :RM 3,565
No insurance ( have to source insurance)

Bank B (RHB Ful Flex)
(option 1)
Loan Tenure: 35 years
Loan amount: RM 889,200 (90%)
CLTA finance in loan : RM 48,781
Total Loan amount : RM 937,981
Monthly repayment: RM 3,637
CLTA (level term schedule)
covered 626k 65% of loan 25 years

Option 2
cover 20 years , 854k fix level term (CLTA ) , Premium RM 44,298
RM 3,619

Option 3
Cover 10years RM 889,200 (90% of loan) + Premium RM 18,524 = RM 907,724
Installment RM 3,519

Shall i take offer Bank A then get for  outsider insurance ? 1st time buying a home 

May I know which bank currently offer the best mortgage rate?

Want to get the loan with best rate, semi flexi or full flexi will be okay as long as rate is attractive.

Try HLB and PBB. I applied for 4 banks including Rhb and mbb too but those two offered me the lowest rate

For HLB's full flexi, the interest saving on advance payment is capped at 70% of the outstanding balance.

Hi all, appreciate any info. Is it more worth to get a 1mil life insurance or mrta ? I've been offered around 36k mrta for a loan amount of 750k

Hi,

I am using mbb fully flexi loan (maxihome flexi)

Regarding
2. I seems didnt see any charges for overdraft things? It will show clearly or hidden charge without inform

3. Yes maintenance fee is RM5