Mortgage Loan Package Inquiries, (Strictly NO Promotion Allowed)
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 Jul 20 2016, 11:43 AM
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#1
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Junior Member
416 posts Joined: Apr 2012 
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Hi, may I ask that normally the full flexi loan, if I want to pay more or deposit all available cash to save interest, I need to go to counter only or it can be done via internet banking or ATM? Thanks.
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Jul 20 2016, 11:56 AM
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#2
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Junior Member
416 posts Joined: Apr 2012
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QUOTE(lifebalance @ Jul 20 2016, 11:51 AM) Full flexi, normally it'll be linked to your loan account with your current account, so you just have to deposit your money into your current account and it will offset by itself. Hi, sorry, my main concern is after transferring from internet banking, my principal loan amount will be lesser and I can save interest right? I saw many cases that people tend to pay more to decrease principal loan amount but eventually bank considered their extra money as advanced money to pay interest only. Thanks. Some full flexi loan like RHB will be a bit different whereby you need to instruct your money from current account to transfer to the loan account to offset that amount. Yes, if let's say you are transferring from another bank, can do via online banking to ur current account. Or you can do cash deposit via ATM.   |
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Jul 20 2016, 12:17 PM
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#3
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Junior Member
416 posts Joined: Apr 2012
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QUOTE(lifebalance @ Jul 20 2016, 12:16 PM) You have the option to pay it off in advance or just put it inside your current account and have the option to withdraw it back later to use. Thanks for your prompt reply. That's the advantage of flexi account. So my advise is to put the money in the current account and the bank will calculate based on how much you have in current account minus the loan outstanding equal to the interest chargeable for that period.  |
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