Bank Negara Malaysia decided to maintain the Overnight Policy Rate (OPR) at 3.25 percent.
Mortgage Loan Package Inquiries, (Strictly NO Promotion Allowed)
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 Sep 11 2015, 06:09 PM
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All Stars
48,418 posts Joined: Sep 2014 From: REality 
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Oct 23 2015, 05:57 PM
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#2
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All Stars
48,418 posts Joined: Sep 2014 From: REality
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Stamp duty exemption of 20% on financing instrument for home purchases next year
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Oct 23 2015, 06:17 PM
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48,418 posts Joined: Sep 2014 From: REality
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QUOTE(wild_card_my @ Oct 23 2015, 06:11 PM) I havent gone through the budget yet, but this 20% is for everyone, and not just fisrt time home buyers? I think for all buyers. Jibby didn't say anything about 1s time buyers only But what about the existing deal for first time home buyers, do they still get the 50% exemption on the SPA and LA stamp duty; does this stack above; or do they lose the 50% off?   didn't say about existing deal of 50% off  |
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Oct 23 2015, 08:38 PM
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48,418 posts Joined: Sep 2014 From: REality
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QUOTE(Ah SiAnG @ Oct 23 2015, 08:34 PM) for conventional loan as well? Islamic one only  |
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Mar 4 2016, 03:21 PM
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Bank Negara Malaysia (BNM) said a maximum loan tenure of 35 years is “more than sufficient” for borrowers to settle their housing loan by their retirement age.
It said increasing the loan tenure will further add to the cost of financing without significant improvements in the affordability of the borrowers’ monthly installments. http://www.theedgeproperty.com.my/content/...age-more-enough |
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Mar 4 2016, 03:22 PM
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-deleted-
This post has been edited by nexona88: Mar 4 2016, 03:22 PM |
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Jun 2 2016, 04:16 PM
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#7
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Higher costs of funding prompted some banks to raise their base rates (BR) and base lending rates (BLR) recently, the first time since January 2015, when the BLR structure was replaced with a new BR system.
The Association of Banks in Malaysia (ABM) explained in a statement yesterday that the downward trend of the three-month Kuala Lumpur Interbank Offered Rate (Klibor) in the first quarter of this year was “insufficient to offset the rise in the total funding costs experienced throughout 2015 and 2016”. “This is the first time these banks have revised their BR and BLR. Despite the increase, the BR of these banks remains below the average BR for the industry of 3.89% as at 1Q (first-quarter) 2016,” the statement said. http://www.theedgeproperty.com.my/my/conte...-rates%E2%80%99 |
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Mar 12 2025, 10:39 AM
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If you cannot afford to even have 10% or 20% of DP for House... Better not buy any properties Simple as that.... Sihambodoh and gashout liked this post
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Mar 12 2025, 05:15 PM
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QUOTE(gashout @ Mar 12 2025, 03:32 PM) Agree. Personally I think don't have 30% dp, don't bother.. Malaysian is really pampered alot...I mean everything use debts.... Don't have $$$ but wanted to egos show off to people around.... From iPhone to cars & house... gashout liked this post
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Mar 12 2025, 07:50 PM
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#10
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48,418 posts Joined: Sep 2014 From: REality
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QUOTE(coolguy_0925 @ Mar 12 2025, 07:35 PM) That is why we said that lifestyle of Malaysians are sustained by debt Well... Malaysia is having one of the highest debt rates among the households....Basically everything from what you mentioned until furnitures, water dispenser etc also can instalment Reading those asking for advice saalry RM7k but need to take personal loan then you will slap your own forehead You will notice in their list of expenses sure have C*WAY C**KOO instalment Can retire when 60yo? Survival based on debts all the way.... Cannot retire when 60yo confirm... Need to work till death... Too much debts.... EPF also cannot help.... That's why keep asking for special withdrawal all the time non stop... Buy first house also cannot afford... Need 110% loans 😜 |
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Mar 12 2025, 08:10 PM
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48,418 posts Joined: Sep 2014 From: REality
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QUOTE(coolguy_0925 @ Mar 12 2025, 08:05 PM) Exactly, need EPF special withdrawal to fund lifestyle or festive celebration But according to some...But also need people like them otherwise ekonomi tak jalan :grin: If everyone like me drive old car, use phone as long as possible, eat nasi campur... ekonomi runtuh liao If buy house need 110% loan I strongly, sincerely suggest postpone the idea and continue renting Otherwise next sure complain bank blood sucker paid until die still paying interest :grin: You can get 100% loans "indirectly" if you buy house from directly from developers... 😁 |
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Mar 12 2025, 08:46 PM
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#12
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48,418 posts Joined: Sep 2014 From: REality
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QUOTE(coolguy_0925 @ Mar 12 2025, 08:17 PM) Malaysia apa apa lobang pun ada If life get hard....'Cashback' from loan pun ada That's why 110% loan is possible, can renovate & buy expensive furnitures to show off Cry mother father like no tomorrow... Property market is being powdered by debts.... Without them, sure GG one... Banks survival also depends on these groups.... All kind of loans given out to sustain... |
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Mar 12 2025, 09:51 PM
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48,418 posts Joined: Sep 2014 From: REality
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QUOTE(coolguy_0925 @ Mar 12 2025, 09:11 PM) and that is also another reason why it is a no no to up OPR BNM gave assurance OPR would be maintained for 2025...many will GG They says inflation & economy growing well enough... One of the reasons why property market still okay 👍 coolguy_0925 liked this post
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Mar 12 2025, 10:21 PM
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#14
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All Stars
48,418 posts Joined: Sep 2014 From: REality
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QUOTE(coolguy_0925 @ Mar 12 2025, 10:14 PM) wow I didn't follow this news One of the reasons why local funds like PNB & EPF focus their investment locally especially for Banks & Consumer related...macam ni indirectly helping developer & banks to push more business this year leh! Gomen staff gaji naik is one of the key push for loan growth... CC, Housing, Cars, Personal etc. More spending.... coolguy_0925 liked this post
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