QUOTE(al_madd @ May 15 2020, 11:31 PM)
nice rate...but im happy to see forumer here can get rate as low as 3.1
[attachmentid=10490838]
3.1% is very Low man.[attachmentid=10490838]
Mortgage Loan Package Inquiries, (Strictly NO Promotion Allowed)
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 May 21 2020, 07:01 PM
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All Stars
14,238 posts Joined: Jan 2011 
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Feb 24 2021, 07:30 PM
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All Stars
14,238 posts Joined: Jan 2011
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mine is semi flexi home loan, for the advance payment, does it reduce the interest?
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Sep 14 2023, 10:51 PM
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All Stars
14,238 posts Joined: Jan 2011
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normally how long does it take for a home loan to be approved?
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Sep 15 2023, 06:41 AM
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All Stars
14,238 posts Joined: Jan 2011
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QUOTE(lifebalance @ Sep 15 2023, 12:15 AM) Few weeks Range? 52 weeks? |
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Sep 27 2023, 12:39 PM
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#5
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All Stars
14,238 posts Joined: Jan 2011
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what is the interest rate currently for home loan?
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Mar 24 2024, 09:35 PM
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All Stars
14,238 posts Joined: Jan 2011
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QUOTE(cuddlybubblyteddy @ Mar 14 2024, 02:48 PM) Hi guys, Dun ever buy house with join name. U are wasting a lot of opportunities with that and u are risking urself with the the dispute next time as well.I’m buying a new property, join name with my sister: This is the initial detail House price: RM885,000 80% loan: RM708,000 Therefore, down payment: RM177,000 Legal fees & stamp duty: RM39,000+- Total preparation needed: RM216,000 Questions: is the legal fees and stamp duty expensive? I dont have the interest rate at the moment uglyduckling422 liked this post
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Mar 24 2024, 11:17 PM
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All Stars
14,238 posts Joined: Jan 2011
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QUOTE(vinceleo @ Mar 24 2024, 10:01 PM) Everyone has 2 quota of 90% margin so if joint name mean each left with only 1 quota, also no dispute now will not guarantee no in the future yeah... correct. in addition, if one is buying affordable price housing can loan up to 110% will be used for both names. but of course for this case, not applicable to him becos it is not affordable housing. The free stamp duty benefit before year 2025 will be used for both names. all couples also tot that they will be together forever when they get married, but it is not real for everyone...  even sibilings or even parents and childs also can have the same dispute any time... in addition, there are many hidden problems too. 1) if one of the borrowers does not have a good credit rating, even the other one may have good one, bank can still reject the loan. 2) if loan is under two names, if both never pay loan, house will get lelong also unless one bear the loan for full amount. 3) if one of the borrowers become bankrupt, the house ownership will be frozen for both. so the one who is not bankrupt also will be affected. This post has been edited by westlife: Mar 24 2024, 11:27 PM |
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Nov 15 2024, 01:06 PM
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All Stars
14,238 posts Joined: Jan 2011
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loan approved.
is the interest rate good? is MRTT a compulsory thing to have for the loan? Approved Bank: XXX Approved Loan Amount: RM 727,200 Mrtt: RM 4,400 Total Loan Amount : RM 731,600 Loan Tenure: 27yrs Interest Rate: 3.8% Monthly Instalment: RM 3,620 Margin: 90% SPA Price: RM 808,000 This post has been edited by westlife: Nov 15 2024, 01:11 PM |
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Jun 19 2025, 02:03 PM
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#9
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All Stars
14,238 posts Joined: Jan 2011
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Total Loan Amount: RM 777,983
Loan Amount: RM 749,700 MRTA : RM 28,283 Loan Margin : 90% Tenure : 25 year Interest Rate : 3.96% Monthly Instalment : RM 4,090 considered not very good rite? |
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