New develop project? Or subsales? Why don't you try submit others bank?

Seems high...

I got BLR - 2.45% for a 2M loan.

First 3 yrs 2%.

Feel can nego and push the number lower slightly...

Thanks ims, any banks name cross your mind instantly?
and which Semi Flexi has lowest withdrawal charges as far as you know ?

Hi all sifus here, I bought subsale house price RM445k and 2 banks approved my loan with below details but I don't know which offer to take

1) R*B Bank
-Margin, 90% + 5% (only finance legal fee + MRTT for 31 years. Valuer and balance MRTT need to pay cash)
-Rate, 4.45 (BR + 0.45)
-Ceiling Rate, 10.25
-Normal Term
-Tenure, 35 years
-Lock In Period, 3 years
-Islamic Loan, Musharakah Concept

2) May*ank
-Margin, 90% + 5% (only finance legal fee + MRTT for 30 years. Valuer and balance MRTT need to pay cash)
-Rate, 4.45 (BR + 1.25)
-Ceiling Rate, 10.68
-Semi Flexi
-Tenure, 35 years
-No Lock In Period
-Islamic Loan, Murabahah Concept

-This house is for own stay, so I don't think 3 years lock in period is a problem
-Not sure I really need semi flexi or not because very seldom got extra money
-Can anybody explain to me what is the different between musharakah n murabahah?
-Which one is better in term of after service?

bro can u give me exact figure leh? must be under construction right?

hi, anyone can share which bank offer best rate for commercial loan with completed building? let say loan amount about RM500k?

sub sales

wah good offer u millionaire

I looking to owe the bank millions got la...

got an offer 4.55% for rm450k subsale house

4.55% is blr minus how much?

dunno geh..its BR+0.55%

If based on BLR of 6.85%, 4.55% is equivalent to BLR - 2.30%.

Any ppl here know about PTPTN in our ccris.

I'm going to apply housing loan but since 2009 my ptptn got many outstanding months cos I seldom to pay. If I go to BNM sure very big number appear in my ccris.

Anyone knows on how to clear this such thing before I go to apply loan? I just know about ptptn in ccris *sigh

If u ask me to pay the outstanding amount, mati la. Cash that I have just nice to pay deposit & other upfront payment.

It was in the news that there is plan to have PTPTN records captured in the CCRIS but as far as I know not implemented yet.

Thanks @Jasoncat for prompt reply.
Have you experienced it before or just hearsay?
I read in PTPTN website that they will start to implement on 1st Jan 2015.

Any expert knows how long can hold to sign letter of offer once received? got an offer at 4.40% for 35 years for 90% financing..want to try other banks...

somemore if i i signed letter offer than latter decided to choose other bank, can or not? other security docs have not signed yet...

So far I haven't seen it from the CCRIS.

hey can share which bank? i got 4.85 thru cimb

I would take no. 2 because you never know if things happen and you need money. At least without lock in period you can always refinance the house without extra charge.