Might be because in your ccris report there's one prop might tag as commercial instead of residential. It that any of your prop is soho sofo or service resident?

Nop, there have a code id code 10 normally is housing loan. And commercial is different code, and base on the bank he borrow help him update what code for service apartment.

Sorry to confuse you ya.. It's HL and OTL. But some service apartment some bank will tag as OTL instead of HL. So when dsr is over bank might require customer to show letter offer to prove that the prop is not belong to commercial and recalculate base on residential tenure.

both commercial property and residential property code are 10
HSLN is residential
OTHLN is commercial

cheers

Jason, I know you work for a bank, but which operation in the bank ya?

MRTA is strictly OPTIONAL and if the Bank dare to say in B&W that you must buy MRTA, please lodge a report to BNM.

Buying 5 yrs MRTA only benefits the agent selling the MRTA and of course, the Bank and Insurance Co.

That said, banks can quote a lower rate for those ppl buying MRTA.

And I do recommend ppl to buy MRTA for own stay properties, but 5 yrs MRTA is total waste of money unless you plan to pay off your loan in 5 yrs

Ill be honest, that there isn't any hard definition between full vs semi flexi. Both of them are flexi as they allow flexible payments of the loans, thus shortening the tenure.

The difference between them come in the form of all the other facilities that are attached to the loan, for example, the opening of a loan account, as well as payable fees for the so-called full-flexi facility.

I heard there's two more bank will change their br this month, can't confirm yet until official black and white is out.

So far there's two bank had lower their BR for month of july

Ambank to 3.8
HLB to 3.84

to finance the premium for the MRTA policy taken on XXX ’s life up to the sum of
RM11,580.00.

what does this mean?

hlb          3.84
ambank    3.80
public      3.65
maybank  3.20
cimb        4.00
affin        3.99

can actually check fr website br.my

damn it, applied to hlb before the br changed but they hold my app coz they need to run a check on the project developer. and it took so long till aft br changed. so now br changed, i nv get to benefit fr it as they actually adjust the spread and make the effective lending rate remain the same. so now spread higher and im paying interest higher than those who applied before br changed. Those who wanna apply for loan, better apply earlier before the nxt 2 banks change their br.

Hi wanna ask my situation:

1) bought bumi quota unit
2) i am non bumi
3) leasehold
4) master title

Normally this case will take longer time for name transfer.. My question is when do i need to start paying bank loan? After sucessful name transfer which means few months to few years time? Or before that?

That sounds good. But my loan got rejected by them. Reason, I never had any other loan / credit card before. Record too clean. 

By the way whats their rate now?

Edit: Any RHB guys here, do contact me if you think can get me a good package. Thank you.

MRTA is not compulsory?
Both Public and Maybank said must take MRTA if apply housing loan. True?
I walk in to bank house loan counter and enquire.

Is it better to enquire via bank sales ppl that can come and meet me near my office? They give better rate?

what the developer told me is that they must get the money before i sign snp, hence I need to sign loan offer letter, then only bank send documents to lawyer and after all the legal documentation only developer will get money from bank... no?? she told me penalty is full amount of the house price divide by 365 times 10% per dy... so depends on how many dys delay..this project developer is first time developer, possible they do things differently?
felt bad abt keeping pbb waiting and asking her to hold the app when its possible i may not even take their loan..

for a 540k loan, what do you think chances of % lowest one can get?
so far, i only manage 4.45% full flexi without mrta

According to https://ringgitplus.com/en/home-loan/, one can get 4.25% from AmBank home loan...

huh..record too clean also is a problem..my car is under my dad name but i pay..

i want to ask how about if add joint name?the join person salary net income rm17xx but previously got loan car (already settle) & now is still loan another house (joint name)