Sharing some of the infor for Sub-Sales property with approval below:-

Approved RHB Full Flexi
Loan : Apply with one name only
Loan amount : 620k (90%)
CLTA : 17k (20 years)
Tenure : 35 years
Rate : 3.10% before appeal / 2.95% after appeal

Approved HLB
Loan : Apply with joint name (husband & wife)
Loan amount : 620k (90%)
MRTA : 9.5k (20 years) or 21.5k (30 years)
Tenure : 35 years
Rate : 3.10% before appeal / 2.90% or 2.95% after appeal

What do you think? joint name is a turn off for me (Because some of the income not consider for HLB)..RHB is better deal right? summore with CLTA (Hybrid between MRTA & MRLTA)

Still waiting for PBB approval..

1. Seems fine, HLB offers 3% atm

2. No issue
take with MRTA

1.  Base on risk grade and scoring system of a bank. Also, if you are taking any products bundle with banks such as credit card/personal loans, MRTA and etc

2. Need to consult lawyer if there purchase can be backdated.

Last time I did request a soft copy to read the t&c first so can save time when sign it physically, after you signed it another hardcopy should be given to you for keep.

Hmm why not?

Hi all
Need advise if this is a good deal, or should I shop around.

Age 48
Value 295,000
Loan 265,500
MRTT 13,466 (10+2 construction), included as part of loan
Tenure 22 years
Rates 3.15

MRTT I would need to add on for another 10 years

SnP price : 750k
Loan amount : 580k
CCRIS record beautiful
DSR only 9% (low commitment)
No MRTA/MRTT

can get rate below 3.0%?

Hi....i am currently in dilemma and my issues are as below;

SUmmary: I am buying ready prop from developer at RM950k and other than valuation fees and the 10% downpayment, everything else will be paid by developer.

Bank A offers 95% loan out of 920k (valuation) = RM874K loan and at 2.95%

Versus

Bank B offers 90% loan out of 970k(valuation) =  RM873k loan and at 2.90%

Wanna ask sifus here......what are the complications of higher versus lower valuation of the property for now and for the future that I should be aware of?

Is skim rumah pertamaku still active?

Happy Friday all! Wanna ask about MOT price, not sure if this is the correct place.
House value: RM 363,000
Loan amount: RM 250,000

Wanna know all the charges for this, or approximately lawyer fees, if any.

Thank you.

Hi All, I am considering between these five loan offered for a condo property priced RM230k:

A) Maybank Murabahah Home Financing-I loan
BNM First Home Scheme-i
-Loan Amount: RM 230,000 (Full 100%  Loan)
-Interest: 3.35% (IBR + 1.60% p.a.)
-Tenure: 35 years
-Term Loan

B) Maybank
- Loan Amount: RM 207,000 (90% Loan)
- Interest: 3.10%
- Tenure: 35 years
- Semi-Flexi Loan

C) CIMB
-Loan Amount RM 230,000 (100% Loan)
-Interest: 3.8% (0.85%+BR)
-Tenure: 35 years
-Term Loan

D) RHB
-Loan Amount RM 207,000 (90% Loan)
-Interest: 3.2% (0.7%+ BR)
-Tenure: 35 years
-Term Loan

E) Public Bank
-Loan Amount RM 207,000 (90% Loan)
-Interest: 3.3% (0.73%+ BR)
-Tenure: 35 years
-Term Loan

All above are the bank panel limited by the developer.

Question 1) Is B much better than A? given if every month I am planning to pay back much more than the minimum repayment amount?  the saved interest is definitely worth it right?
Question 2) Islamic bank is it better than conventional bank? the base rate of the interest seems to be lower

Mind is telling me B is a smarter financial decision... but heart is telling me to go A to have more cash on hand 
Any advice would be very much appreciated

Nope. My husband loan amount is lesser than yours but we get 2.85%. Subsale unit but he have a very low DSR.

Effective rate is 2.85%.. If BR increase the rate will revise too.

Houzekey financing only applicable to undercon property. Conventional subsale is not applicable. if you see from M2u, it says 100% financing which too good to be true for subsale financing. For subsale, It will always be 90% max margin for first and second residential property, 70% for third residential property onwards.

What's the lowest mortgage rate I can get for a subsale landed property? So far the lowest offer I got is 2.80%.