hi would like to ask, for a loan amt of 560k, if bank interest rate differ by 0.15%, would it make a lot of difference in terms of interest paid? Thanks for answering..

May I know how did u manage to get 4.35 and 4.4 from those banks? as I heard a lot of bank offering lowest 4.45% now. May I know what type of home loan u applied to? full flexi semi flexi? islamic? any lock in period? did they come with mrta etc?

would like to enquire, between maybank and cimb, which bank should I try apply for, for semi flexi, variable, no lock in, no mrta loan? anyone can advise abt the diff products they have? If i go for islamic, heard it will incur lots of legal fees, is tat rite?

does it means the lower the profit, the safer?

can i please check again, I have heard a few banks are going to change their br in mid july, if i get my loan approved before they change their br, does my loan follow the old br or new br? and if approved aft they change their br, it would definitely follow new br?

confused abt all these loan stuffs..

Maybank 3.2+ 1.25

affin 3.99+ 0.46

how come the br can vary soooooo much.... banks r going crazy... it doesnt sound healthy..

which are better? does ambank offer any other loan type other than the one which charge monthly fees?

btw, if im applying loan with non panel bank, would there be a lot more additional legal fees? if so roughly how much more?

y they r not using blr now...damn frustrating with all the diff interest rate which cant be compared.

panel affin, maybank, and cimb.

affin like not very reliable.. nv heard of anyone borrowing money fr them...and very few branches..
cimb, like others said, full flexi loan is not my cup of tea, if other type of normal or islamic loan, they r not flexi at all rite?
maybank, with the spread at 1.26 and very diff fr other bank, i do not understand them very well.. like u said b4, better to go for safer, lower spread..

hlb offer priority customers home loan with legal fees waived, my dad is their priority customer, if joint name with my dad, can enjoy this benefit. the SA of my project told me the legal fees will amount to 13k.. 13k is a lot...the thg is, ive bought laman view, hlb manager told my dad bcoz they r new developer, they need to check their status first and it will take up to 2 wks for them to get back to me if they accept my loan app....

im in a dilemma now, not knowing which bank to go to.. seems non is perfect or ideal...

hlb 3.84
ambank 3.80
public 3.65
maybank 3.20
cimb 4.00
affin 3.99

can actually check fr website br.my

damn it, applied to hlb before the br changed but they hold my app coz they need to run a check on the project developer. and it took so long till aft br changed. so now br changed, i nv get to benefit fr it as they actually adjust the spread and make the effective lending rate remain the same. so now spread higher and im paying interest higher than those who applied before br changed. Those who wanna apply for loan, better apply earlier before the nxt 2 banks change their br.

any tips on which r the 2 banks which r gonna change their br?

it seems br doesn't benefit either party. and its really a lot harder to compare btw banks now compared to using blr. can u imagine application before and aft br change giv a diff of 0.15% on interest for 30 yrs for a 600k house..

plus the promo with their preferred banking, which says all legal fees waived, is only for built houses.. im not getting any benefit fr them now, they r no diff fr any other bank now.. so gonna withdraw my app oredi..

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..

Proven if just wanna get lower interest rate, mrta is not reslly necessary..i got approval with 4.35% without mrta..

But then can i just check, if we buy mrta for 5 yrs, it only cover for 5 yrs rite? Its not covered for whole loan tenure rite? Unless we buy for whole loan tenure?

Wats the diff btw mlta and mrta?

is there a way to work out mathematically whether paying extra for mrta in exchange for lower interest rate is beneficial? for my case, 3.5k for 5 yrs mrta and 0.15% reduction in interest rate for loan amount 530k.

i think u can try a few other bank, there are lower interest rate ard. Last wed I went to apply for mbb, the agent told me rate 4.5, then i told her another agent told me possible 4.45, she said she would try to appeal for me. However, I actually got offered fr public bank with interest rate 4.35 without mrta. Guess you can apply to few more banks to compare the rate.

Affinbank 4.4% wihout mrta, loan amt 530k..
Publicbank 4.35% without mrta

Both semi flexi.

Still waiting for ambank..submitted more than 2 wks ago, havent got approval yet...and yet the manager actually promised to giv me a reply within 1 wk...dun really trust them now..plus their counter service is really bad...the staffs r quite rude too..

Publicbank service is ok..at least efficient..i got reply fr them within 1wk over raya holiday..

Affinbank very troublesome...ask for lots of additional documents which other bank nv req for..And also take ages to process loan approval..

Rhb even worse, went there first time the loan ppl not in left my contact they nv contact me, second time go the person was so rude and not helpful..actually went to 2 diff branches and end up din get to apply coz the loan ppl not in...if they dun wanna giv out loan better just close their loan service..swore i will nv use their service anymore...gonna close my savings acc too..

Guess u should also take into consderation the bank servixe when choosing loan...if bank cause so much troubles its really a waste of time and money..and who knows wat will go wrong if some r so unproffessional..

Btw, watever rate they offer u before application dun take it too seriously..as the final decision is not made by them..and can always appeal aft the approval till u get the rate u want...

My publicbank previously was 4.5%, affinbank4.45%, and before the appeal the agent kept convincing me to get mrta to get lower rate, in the end i still get lower rate without mrta..so dun giv in too easily..should fight till u r happy with the rate..

I have checked with ambank agent, she said not possible to ask for waiver for the monthly fees...there will always be a monthly fees..may i know how do u get the waiver huh?