Banker told me if go for Islamic housing loan, there's no lock in period. Is this something to consider?

Does MRTA CLTA cover loss of jobs condition?

out of jobs and unable to repay the loans. for example like 1 year or so.

Anyone have any experience in industrial property loan? Need to find one urgently. Thanks again

can ask about lawyer here?
it is advisable use same lawyer for SPA and Loan documentation for subsale property?

or should i choose different lawyer?
if use same lawyer for both i think the legal fees can still nego..

Hi, I have recently purchase a lelong unit. Since there are some legal procedures on converting the title ownership I decided to pay full cash first. When the conversion is completed, I am considering to refinance to take loan on that unit, to cashout actually.

Besides the loan agreement fee and property valuation fee that I would need to bear, are there other fees for the financing that I intend to do?

Oh? I didn't know! So is there any other way to refinance up to 100% of market value??

Want to refinance my house to different bank, is entry of caveat required? Thanks.

a friend has 10 housing loans with a bank with interest ranging from 4.45-5.05 currently. about 100k loan each.

is there any bank that can refinance and consolidate into one full flexi loan for lower interest rate and possibly a cash out?

Hi guys, am shopping for mortgage &  wish to ask if MRTA CI coverage is worth it? it costs RM6k for a 15-year coverage for RM200k. Its an upfront cash cost for me as if lump into loan, it'll be 6% interest on MRTA + CI portion. A bit painful as its upfront cash...

i would like to ask if it's practice out there with PBB.
My wife has a housing loan with PBB, where she planned to do advance payment (with flexibility to redraw) to reduce outstanding interest

however the officer told her, for pbb, the monthly repayment remains same, but the tenure will be decreased instead. is it true?
she was under the assumption that in normal situation, tenure remains same, but monthly repayment is decrease

Does showing savings and fixed deposits help to get a better loan amount and loan interest rate?
Or a good ccris repayment record and steady income enough?

anyone know what is the best package for refinance my fully paid home? and what is the % of loan amount I can obtain?

I have 2 mortgages with cimb where both also at 4.45%. I wonder can I ask them to lower the rate? If can, how to do it. If anyone tried, please be so kind to share. Thanks.

Hi all,

Wondering if this is a good offer from CIMB.

Going for 90% loan for undercon property (loan under 2 name)

SPA price: RM 1,070,000
Loan amount: RM 963,000
Rate: 4.15%
Tenure: 34 Years
MRTA: RM 40,000 (50%+50% loan coverage for 24 years)
Total loan: RM 1,003,000

Monthly installment : RM 4,200 for first 5 years, RM4750 for remaining

Thanks

Question : Do AKPK allow to house refinance ? Thanks.

I see but Maybank officer told me can refinance and need settle some AKPK accounts.

No, i not yet settle AKPK account. Officer told me can refinance and settle AKPK any accounts that i wish.

How about if my case I fully settlement my house ? Thanks.

Thank you songaik!
1 question to ask if i change to MRTA will it better? This actually a joint loan account with my wife and probably MRTA need 2 person name also..