If you don't mind pm me all your details I try filter for you, PBB rate is good but depends on grading

Commercial max loan margin is 80%

But i will do joint loan

Both joint applicant information.

If need I will whatsapp u based on the number stated there?

Hi guys,

i'm in the progress of signing a LO

Hope some sifu here can enlighten me

Bank A= BR 3.2 +1.25 =4.45
Bank B= BR 4 + 0.45 = 4.45

Understand that BR might/might not change every 3 months.

So which bank should i take?

Thank you

compare this two bank with or without mrta, Bank a is maybank right, how about bank b?

Inclusive of MRTA...

As both bank offer different price for MRTA

I don't think is good to mention which bank

Hope you could assist me on Bank A or B

Thanks for your reply! How about land loan? For say, agriculture or residential land.

Thanks!

Yes sure

Compare the mrta value and and protection value

Land loan for agriculture maximum 60% and while residential land without construction max is 85%

Both coverage same protection value but paying different premium

Bank A= BR 3.2 +1.25 =4.45 (MRTA cheaper than Bank B)
Bank B= BR 4 + 0.45 = 4.45 (MRTA higher than Bank A)

Hope you could enlighten me which should be the best option

I'm sure this will be a regular issue that facing by every borrower

i'll advice you go for bank A, since bank A i assume is maybank there's no processing fees charge for their mortgage loan, and more convenient as every where also have their branch easier for you for your loan repayment in the future. and mrta also cheap, why need spend more buy for premium? seem it both have the same protection?

Thanks for the enlightenment

My main concern is about the BR rate... Although both equal at 4.45 but with different RB rate and + ....

Therefore in long run, which is the best incase the rate went up or lower

Anyone of you are taking the MBB MaxiHome Flexi loan? Do you receive any notice from MBB saying that they have reviewed the repayment schedule from fixed monthly repayment amount to reducing repayment?

Hi,

1. I plan to buy property under my parent ownership, and loan myself. Is this possible?

And then I buy 2nd property under my name. And also loan myself.

2. Will I able to get both housing loan at 90% ?

1) Yes possible
2) If you don't have any loan outstanding at present and only the 2 new loans as stated above, 90% is possible for both. But if you gear up substantially in such a short peeiod of time by getting the 2 loans, unless you have such strong credit profile, else the margin of finance may be slashed for the 2nd loan, or worst be rejected.

Anyone familiar with RHB full flexi home loan?
Its a bit diff from normal full flexi offer by other bank

It don't hv to pay RM10 every month
It hv current account n loan account but the amount in current account will nv sync with the loan account, which means u hv to do transaction between both account but no hassle fees on all the transactions. But have to maintain at least rm1000 in current account else will charge rm5.
One thing it similar to semi flexi account is, the current account will hv standing instruction on every first of month to transfer the installment amount to loan account.

What I want to ask is, can I still put in all my salary into the loan account once I got my salary n withdraw only when I need to use it to save the interest?
Is it all the house loan interest rate also daily basis?

This post has been edited by cheehing: May 17 2015, 11:43 AM

there is nothing special about RHB full flexi account
at least 2 other banks also have these facilities with no monthly charges
in fact RHB does charges you if your balance goes below 1k. many other banks don't

no offense but i need to correct you in a harsh way
and for your question on whether you can bank in your salary into your loan flexi current account to know if you can knock off interests...
that is a very stupid question. it is surprising that in your post you school us about how different RHB full flexi loan is but you lack understanding on how flexi loans work in the first place.