Hi , wanna ask if i want to sell my house to my friend, its a direct sales without agent so how do we proceed from it for loan since without agent. Any sifu can advise should start from where till final ?

never strike to me of this option ... interest at 4.35 and try to gain the extra 1.65 from the EPF.... pretty smart one...

My RHB mortgage loan has its interest rate dropped to 4%. Is this a good rate?

share the outstanding amount for your existing loans.

Just found out it's 3.25% Base Rate + 0.55% Spread Rate.

Hi all,

There is a house with 3 names, eg. A+B+C
But now we would want to remove C

How is the process? And how much?
House loan fully settled. Market value should be around 500k.

Thanks and stay safe.

Dear Sifus,

wanna ask MBB offer this loan 3.85% RM1,445@35years

good anot? my concern is lowest interest rate.... got any bank will offer lower rate?

I need your kind advice.  After we have made the final payment to settle our housing loan, the bank will return us all the documents and ask us to go see /appoint our lawyer. May I know what is the purpose of appointing a lawyer? Is it to discharge? What exactly does the lawyer need to do to discharge the property?

What does the lawyer do? Issue a letter to the land authority or city council? Or what to effect the discharge?

hi guys,

my is mbb semi flexi
recently BNM just revise the ORP
but haven't see banks update
update the new BLR rate yet?
My loand still see 3.75% profit rate showing .

any way to take advantage of low interest currently?
Other than refinance cost.

if making advance payment will help a lot?

Can speakin to the branch help to reduce the interest further more?
any valid point can share
Thx

Anyone can advise if now is a right time (based on low rates) to settle mortgage loan (around 300k left)? I just need to go to the bank and ask them the exact amount that need to be paid right?

Is this a good time to start my loan payment now? I have a house loan which is underconstruction.

Yes I am paying progressive interest now. Thinking if I want to start my installment earlier.

Hi, anyone here has UOB loan? The base rate till now has not changed ever since BNM reduced the OPR?

Any idea why or they don't plan to reduce the BR?

Asked my banker and he is as useless as usual.

Called the contact centre and no help at all.

Are banks still giving out loans?

I have a condo with 30% it's market value left on my home loan with CIMB. Before MCO, I applied to top-up my loan another 30% with CIMB so I can purchase another property (for a total loan amount of 60% the market value of my current condo).

Filled the forms and submitted the required documents. Then MCO happened. And everything just stopped.

I made a report after a couple of weeks of no news and "MCO excuses" by the bank officer (even though their branch remained open). I've even received two apology letters from CIMB for my unresolved report.

Could it be banks (or CIMB) are no longer giving out loans in this uncertain time?

Hello , I have a question.

My loan was 4.15% on December 2019. Throughout 2020, bnm has reduced 1% in total. Hence , now my loan is 3.15%.

However, I found that MBB still urging me to pay monthly instalment 3305. (Which is same as 4.15 rate)

Does my extra instalment deduct principal? Or do they simply put extra payment into prepayment ?

But a lot of articles are encouraging us to pay more down payment.
https://www.propertyguru.com.my/property-gu...-malaysia-18659
https://ringgitplus.com/en/blog/home-loans/...wn-payment.html

I can't find any article which recommend us to take the max load with max tenure, then pay more installments per month.

Update on this. I can't convert from semi flexi to full flexi unless I have to remortgage the property.

Under the Penjana, does the uplift of 70% loan limit applies to both new project and subsales?