Property Price - RM 960K

Maybank 3.90% -  90% margin + Loan legal, no lockin period
SCB 3.95% -  90% margin- no lockin period
SCB 4.15% -  90% margin - Free Legal, lock 5 years
HLBB - Waiting for latest rate
RHB  - Waiting for latest rate

RHB i think 4%
HLBB is even higher.. so at the end i take SC.

Hi to all experts,
I recently offered by Maybank Islamic for mortgage loan. Just want to know is 3.95% good for a loan amount RM286k with tenure 35 years and CLTT premium RM8,906 with 25 years? Monthly instalment at RM1,298.
Any other banks offer better package?

Finally got the call from the bank on first date of installement payment. For reference, 3.5 months from SPA signing.

New. No idea if there is any penalty as I signed everything according to timeline given. If the bank delay in disbursing the money to the developer, then it shouldn't be my faulty, right? I have written an email to the bank previously reminding them on the payment invoiced by the developer.

is 3-4 month disbursement not the usual practice? If like that, then many people will get penalized 

Anyone has experience taking house loan from hong Leong or mbb. Plz share your thoughts. Tq.

Hi All ,
Want to ask regarding RHB bank full flexi package.

i get information from my banker saying that RHB is no capping for the amount that we put inside to reduce the interest .

is it true and compare with others with 70% capping , what is the hidden term that we dont know about it?

Hi All Sifu ,

Recently receive loan offer from Maybank
Rate : 3.85%
Tenure : 35 years

when i ask banker is semi flexi or fully flexi and banker told me that is semi flexi but same like other bank fully flexi which can dump in money to reduce interest with NO CAPPING.
The different is want to withdraw need to pay RM25 each time and in multiple of 1,000

May i know how true is it maybank only offer semi-flexi and same as the banker told me.

now lowest rate is from Maybank able to get 3.9% for 90% loan

MRTA include CI insurance?

if you were to have the following options, which one would you take? The only difference is on the MRTT coverage

Bank A - MBB
- 3.95%
- MRTT for 25 years

Bank B - RHB
- 3.90
- MRTT for 21 years

In my case, I'm more inclined towards MBB as it gives longer MRTT tenure.
Is there any other reason I should opt for RHB other than it slightly lower rate -0.05%?

First time homebuyer here, need some clarification between these 2 offers:
Loan amount: 590k 35years
Our intention for insurance: to buy life insurance ourselves

OCBC:
- Interest: 3.95% (include MRTA/MLTA)
- Banker assures us to get a MLTA insurance called no frills term(NFT), pay once then let it lapse (this is not investment-linked), and asks us change to a new one on our own, claims that outside insurance will work as well
CIMB
- Interest: 4.05% w/o insurance

Can we really get the insurance then just let it lapse and will there be any hidden terms and conditions which we are not aware of? Also, would like to seek for advice of which offer we should accept? Thanks!

I have a conventional loan with Maybank for about 6 years now. They are charging me 4.3% interest. Is it possible to request for bank to give a lower interest rate as I see a few ppl here saying they got 3.9% from Maybank. I think my profile is pretty decent as my DSR is 30%

You may Claim if there is an annual statement, otherwise, no.

housing insurance can be claim as expenses if the property is for investment/ rental . not for own stay.

how to know how much $$ to park for it to be 0 interest ya? like are there any calculation or % of loan?