Mortgage Loan Package Inquiries, (Strictly NO Promotion Allowed)
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 Dec 6 2024, 04:57 PM
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#1
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Newbie
7 posts Joined: Sep 2012 
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Hi all,
I have a mortgage loan from RHB currently @ 4.2% (changes based on BLR) around 670k. I received an offer from UOB for remortgage amount at 3.8% for 683k + RM6.5k MRTA. Is it worth the switch to UOB or should I just stay with RHB? |
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Dec 18 2024, 07:10 PM
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#2
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Newbie
7 posts Joined: Sep 2012
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QUOTE(naminakata87 @ Dec 13 2024, 06:00 AM) hi may i know which branch offer this number. I will pm u my agent? QUOTE(Gabriel03 @ Dec 13 2024, 09:07 PM) how much is the lawyer fee? need factor in cost of remortgage against the interest saved from the lower rate. Yep, factored it in and it's still just ahead. More so given I plan to pay down the pricipal aggresively. Currently I am paying an additional 3k to lower my principal. The swtich will see my installment be RM700 less, which I intend to use to pay it down even more.Have thought of writing a letter to RHB to get them to reduce the interest rate? why do you want to remortgage? To gain extra cash? but the difference is only 13k Plan is to cut my overall installment short, with this I'm finish it up within 10 years rather than the initial 15 years. I locked the rates at 3.78%. |
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Jan 12 2025, 02:16 PM
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#3
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Newbie
7 posts Joined: Sep 2012
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QUOTE(sadukarzz @ Dec 30 2024, 10:31 PM) Agreed, with the additional payments, it will finish the installment much faster That’s the plan haha. Especially you mentioned 3K additional now add another 500-700, bumps another few years off QUOTE(LoTek @ Jan 6 2025, 09:00 AM) would you mind sending me your uob mortgage officer's number? QUOTE(luckynumber80 @ Jan 6 2025, 05:56 PM) Hi there. Do you mind referring me to your agent? Im looking to buy rm800,000 subsale condo. And if anyone here know any other good ones i can consider. Bank islam offered 3.80%, with zero moving cost+mrtt. Saw that standard chartered also offers competitive rate TIA QUOTE(mushroom0320 @ Jan 10 2025, 02:28 PM) Hi, OK will pm. All the best.Do you mind to share the agent number to me ? Would like to check if my loan can get a lower rate with the remortgage or not. |
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