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 Mortgage Loan Package Inquiries, (Strictly NO Promotion Allowed)

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paulwong1983
post Apr 11 2015, 08:01 PM

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Hi, new house, under construction

MBB, RM500k, 35 years, 4.4%
NO MRTA
Semi - Flexi

good??

This post has been edited by paulwong1983: Apr 11 2015, 08:01 PM
paulwong1983
post Apr 11 2015, 09:41 PM

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QUOTE(Jasoncat @ Apr 11 2015, 09:07 PM)
Not bad.
*
currently still waiting reply from HLB & BSN
paulwong1983
post Apr 11 2015, 09:48 PM

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QUOTE(ims2628 @ Apr 11 2015, 09:45 PM)
Consider not bad since it's without mrta
*
i tried to ask better rate, but agent said is the best liao
he claimed that

usually got mrta is 4.45%
while no mrta is 4.55%

not sure true or not..haha
paulwong1983
post Apr 12 2015, 09:17 PM

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QUOTE(hondaracer @ Apr 12 2015, 08:51 PM)
My loan amt RM 500k from cimb, no MRTA, 23 years, Full Flexi, rate is 4.45.
*
quite good.

but full flexi everymth need charge RM10?
paulwong1983
post Jun 8 2015, 09:50 PM

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QUOTE(Jasoncat @ Jun 8 2015, 08:17 PM)
It isis not impossible to have only one name for the loan while the SPA has 2 names but I reckon that most banks have didiscouraged such practice.
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SPA 2 names but Loan only one name why no good?
in this case, it is better to buy MRTA?
paulwong1983
post Jun 8 2015, 09:52 PM

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QUOTE(JamesPond @ Jun 8 2015, 01:47 AM)
what bank accept third party?
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Maybank.

HLB not accept
paulwong1983
post Jun 8 2015, 10:37 PM

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QUOTE(Jasoncat @ Jun 8 2015, 10:21 PM)
It's only good for purchasers not the bank.
It's common that the bank will try to tie up all the purchasers to show their commitments towards the property purchased.  In the event of default, the bank can chase after all the borrowers instead of only one borrowers.
*
i applied MBB, HLB, BSN & OCBC

only MBB said can third party
paulwong1983
post Jun 8 2015, 10:38 PM

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QUOTE(Jasoncat @ Jun 8 2015, 10:21 PM)
It's only good for purchasers not the bank.
It's common that the bank will try to tie up all the purchasers to show their commitments towards the property purchased.  In the event of default, the bank can chase after all the borrowers instead of only one borrowers.
*
form here, MRTA no need buy thumbup.gif
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