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?

I tot close shop dy. is been N years never heard this name dy.

Hi

Whether the RHB rate was high or it isn't. I need to know How much is your total loan borrowed?

Preapproved loan are not available in MALAYSIA so far, in Malaysia the process is str8 forward, to see whether you could get the loan approved, you need to applied in actual loan process.
So, in order to prevent any rejection from bank, it's wise that have a mortgage agent to assess your financial health before applying any loan. such as:
1) your net income (after tax, epf, socso)
2) additional income ( Bonus, OT, Allowance, FD, ASB, Tenancy..)
3) Your commitment and debt
  a. Car price purchase
  b. Personal loan limit
  c. Credit card outstanding
  d. House loan outstanding
  e. Ptptn

Above is just a brief inspection.

Yes, there's a client of mine who age 30 but pays PTPTN whenever he likes it, he has a whooping RM20k outstanding debt in his ccriss. Which has made her not eligible to apply any bank loan because of her default paying PTPTN LOAN.

So, in order for her to be eligible for housing loan, he has to pay off the outstanding debt and get a settlement letter submit together with bank loan. The letter is a proof that he has paid all the debt, because ccriss record of his default will stay there for few months eventhough he settled it.

This is my case study I have helped, maybe there's other way around.
Others do share bout it

No way..you have to pay all the outstanding first.

Best bet is using kwsp account 2

When a loan in default and ccriss 12 months payment status are bad, it would lead to loan being rejected or getting a low MOF for your housing loan.

If PTPTN status in default, it will affect the loan acceptance. Whenever there's a bad debt repayment in ccriss, it will directly affect your loan acceptance.

Another way to deal with PTPTN
1) Borrow from KWSP to pay off
2) Consult ptptn agent at KWSP or UTM, and negotiate for a better term payment for the default outstanding amount.

call them and inquire +60 3-2078 6788