let say i transfer money manually to the loan account, but the loan account treat it as installment advance payment, got save interest??

i thought need pay to principal then only reduce the interest?

kindly refer this

https://forum.lowyat.net/index.php?showtopi...post&p=74106282

Hello,

In between this period, just provide

1. Signed and Stamped SPA for property sold
2. Letter offer of your existing bank

Bank can exceptional approve your loan at 90%

Tats why say client grading there. such as Priority banking customers with lots of AUM.

Anyone got HSBC panel lawyer? As the current i have charge me super expensive.

hi guys first home buyer here need some clarification:

MRTA can surrender value(sell home or finish paying loan earlier) and get back some amount of money i paid at the beginning?? eg i pay 19k get back 14k if surrender at year 20...
normally we insured for full loan tenure of 35 yrs? or can insured for like 20 years (lesser premium to pay, or sell he house after 15 years)

need some advise ...thks..

If the bank doesn't impose as a condition, then it's up to you to set the amount of coverage and tenure of the MRTA. If it's sth required by the bank, then you may need to check what's the acceptable coverage / tenure to them. Yes, you can get back a portion of the unearned premium if you decide to terminate the MRTA earlier.

Looking for loan now, pm me pls...
Just paid dp for new property that is still under construction......

when we surrender, the amount give back to us is very less.
u will never get as below, sure much much lesser than 14k
eg i pay 19k get back 14k if surrender at year 20...

Just got update from MBB. They offered 4.45% but with MRTA. Which one should I go?

I just sign fixed rate house loan from AIA.
If every month i pay extra RM1000, will the extra RM1000 reduces the principle amount?

If fix rate, if I'm not mistake the extra will be considered as advance payment.

Hi, if it mention daily rest calculation, will this mean extra payment go to principal?

thanks

In this rate should be able get without mrta no need appeal some more

No; not for AIA loan. AIA not flexi loan.

This post has been edited by ims2628: Apr 29 2015, 06:34 PM

helo, wanna ask for rhb semi flexi,

do i choose to pay installment or deposit account if i wanna put in extra to the loan acc?

tq!

deposit in the flexi current account associated with your home loan

hi pros,
i have my 3rd party loan under my property now with lock in period 3 years and vp on tis year.
I would like to transfer my ownership from A+B => A only therefore have to take a new loan which under name A.

My question are
1）any suggestion to reduce the cost of retake new loan ? (cost like, loan legal and stamp duty fees, penalty 2% within lock in period）
2) am i eligible to apply for zero moving cost loan for my new loan ?

This post has been edited by tar0o: May 4 2015, 11:41 PM

Hi all. Is bonus can be calculated when applying for loan? I have quite constant 5-10 months bonus for past 5 years. Tq.

Just got the following offer from MBB:

Loan amount: RM 232,000
Tenure: 30 years
MRTA: 15 years
Interest rate: 4.45%

Is the offer good enough? Still can appeal?

Thanks in advance.