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Mortgage Loan Package Inquiries, (Strictly NO Promotion Allowed)
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GameFr3ak
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 Mar 10 2016, 01:48 PM
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er guys... I recently got interested in a property which is classified as a commercial lot due to the shoplots on ground floor.
The developer offers a 15% discount and all I need to do is to pay a RM1000 booking fee and get loan.
So I got the sales person in the showroom to have a bank representative to get me a loan.
The agent got back to me and told me that the property is classified as commercial lot, therefor the interest rate is higher (4.7% - 5%+).
I thought commercial lot only means utility bills = higher? Loan also different?
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GameFr3ak
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May 3 2021, 03:13 PM
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Need advice on loan offer
Pembiayaan 798,120.00 + MRTT 18 years RM 11,820.(809,904.16)
Ansuran = RM 3,352.00
Kadar = 3.4%
Any thoughts?
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GameFr3ak
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May 4 2021, 05:40 PM
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QUOTE(vinceleo @ May 3 2021, 04:44 PM) Seem on higher side for the rate offered based on loan sum, need insight on your income and current commitment to determine further QUOTE(lifebalance @ May 3 2021, 04:47 PM) A little on the higher side, are you able to apply other banks? Sorry, I wasn't being clear. It's 2.6% +0.8% spread. Is this still considered high? |
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GameFr3ak
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May 4 2021, 10:18 PM
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QUOTE(vinceleo @ May 4 2021, 08:16 PM) Yes, try apply other bank within 3% vs 3.4% as what you obtained I've tried a couple with public bank, bank islam and affin bank... but most of which I didn't opt to follow through as they're unable to offer 90% margin :/ |
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