hi u mean semi-flexi or full flexi? I am going for semi flexi..just want to ask in terms of loan period..shorter or longer better? example 25 years loan vs 35 years loan? which wan i can save more interest.

public bank told me if apply home loan without mrta, interest rate lowest will b 4.60.. is it true? Worth to buy mrta with 3.5k for 5 yrs to get lower interest rate? she cant guarantee how much lower the rate for buying mrta..

I am looking for loan to purchase my first house for own stay, but I don't know why all the interest rate are the same -> https://www.imoney.my/home-loan

Why some BR + 0.46, some BR + 0.78 but end up total interest rate same?!!! Then which one is better? +0.46 or + 0.78?
My property was about RM 737,000. I am looking to borrow loan RM700,000 with tenure 30 years. I prefer flexi loan, as I have some extra cash to "park". Age 35. Full time employee in MNC.
My annual income about RM96k gross. I have no other commitment as I finish pay up everything(car,credit card etc).

Questions:
1) Am I eligible to apply the above loan amount?
Based on given statement, you still good for the loan 
2) Which two banks suited me best currently?
if you would go for Fully flexi, HSBC, StdChrt & CIMB as far as i know they're having FULLY flexi (other's bank may not have the 100% flexibility) 
3) And the their lowest interest rate are?
the rate is nothing compare if you going to park extra $ to offset the Principle,  you earn it way better from FD already/
4) MLTA or MRTA?
again, it depends what protection/insurance you needs ...

Hi all, below is my financial details

Gross earning per month : 4k
Guarantor for a car,monthly : 800
have credit cards with mbb
No mortgage loan at all

Question : how much of loan (35Years) am i eligible for? please gimme the conservative and optimistic loan amount.

Thank you so much for enlightening me

So when will the loan disbursed? After name transfer or before?

I see. So if I go for full flexi loan(And as a start, lets say I "park" about RM10k in that account), and my monthly installment is RM3500, do I have the flexibility to pay for like the below?

This month - RM3700
Next Month - RM2300
Third Month - RM4500
Fourth Month - RM900
Fifth Month - RM0
Sixth Month - RM 7000
and etc etc........
Besides that, ny admin fees, processing fees, etc every month charge by bank?

Hi there,

I am Malaysia living in UK. Is it possible of me to get a housing loan in Malaysia please? I earn a good wage here and am looking for 90% loan for a property worth RM600k. Please advise.

Thanks

Thank you very much. I am looking for mortgage banker? R u a panel for certain banks?

Clean ccris - maximum ltv is how much?

Any loan advisors? Please pm me- i am keen to get the purchase. Thanks

The choice of banks would usually go down to the ones giving the best rates. But board rates for most banks are pretty much the same these days, after appeal (non-guaranteed) you may get better rates. Then it boils down to your preferred banks which is not necessarily the bank your salary is deposited into as inter bank transfers are only 20sen nowadays.

Sometimes you may face a lack of choice too as not all banks will finance your property because of multiple reasons:

1. Condition and location of the property, some banks wont finance props older than 10 years that has to strata/individual title
Under certain condition and location of the property, some banks wont finance props older than 10 years that has NOT YET convert to strata/individual title,  HOWEVER, PUBLIC & CIMB bank can do


2. Your income levels too low, or commitment levels too high. In this case it would be best to go for banks with higher debt-service-ratio limits  like Hong Leong with DSR limit of 85% compared to others which typically maxes out at 70%

FYI, CIMB also have the DSR maxed at 85%

So my suggestion is to go for multiple banks, there are a few brokers her and there are many banks out there. The most important thing is service, as the rates are the same between brokers and bankers as the rates are considered and approved by the HQ.

Hi!

I have an existing home loan with SCB (rate of BLR - 2.3%) which was taken in Dec 2010. Current balance is RM200k and I tried asking SCB to review the interest rate but my application for interest reduction has been rejected. My current interest is higher than the interest offer d by other banks.

Any advise on how can I convince SCB to reduce my interest rate? Or should I switch to other banks for home loan?

Thanks!

I'm looking for construction loan to build a house on land that I fully-own. So far I heard UOB (up to 70%), OCBC (up to 80%) and PBB (up to 90%) provide such loan.

Hoping to get some further details on the loan.

I have this loan. It's legit.

Can pay as much as you want. Reduce interest. Withdrawal is RM25 charge, in RM1000 repeats

My current loan - yes, interest rate is horrible (taken 2006). Anyone wants to offer for refinance? 

[attachmentid=4651608]

When you click 'Advance Payment Withdraw'

[attachmentid=4651611]

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Any bank in the market currently allow to borrow 95% MOF?
So far, I have inquired three banks. All three only up to 90%.

Please enlighten me as I wish to borrow 95%, so that I can allocate some cash for renovation.
Thanks.