what's the difference between semi and full flexi loan?
Mortgage Loan Package Inquiries, (Strictly NO Promotion Allowed)
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 Mar 27 2020, 10:51 PM
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#1
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Senior Member
1,614 posts Joined: Apr 2010  
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Mar 28 2020, 04:28 PM
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#2
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1,614 posts Joined: Apr 2010
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QUOTE(apalexar @ Mar 28 2020, 08:04 AM) Monthly maintenance fee RM10 for full flexi while free for semi; withdraw anytime without charges for full flexi while extra withdrawal charges from RM20~50 per time for semi and sometimes advance notice needed thanks for the explanation   how do you guys reduce interest? my banker says just transfer more to the loan acc. i read somewhere that i gotta put cash in current account.  |
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Mar 29 2020, 02:00 PM
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#3
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1,614 posts Joined: Apr 2010
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QUOTE(apalexar @ Mar 29 2020, 09:12 AM) Let's say your loan is 100k, if you put 100k inside the account, no interest will be counted and every month you just need to pay the principal. Wow that’s very helpful!! Thanks a lot sifu!But if your loan package with capped interest, for example 70%, if you put 100k inside the account, no interest will be counted on 70k outstanding but another 30k still got interest, every month you will pay principal+interest on 30% outstanding loan amount |
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Apr 3 2020, 02:41 PM
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#4
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1,614 posts Joined: Apr 2010
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i have a semi flexi loan from HLB
anyone knows how do i reduce the interest? or is it possible before full disbursement? still paying progressive now. so far i have been pumping extra amount every month, however the extra amount is shown as 'Advanced Payment' instead of reducing the outstanding amount. |
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May 1 2020, 05:56 PM
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#5
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any sifus know why HLB loan this month so expensive for progressive interest? i've been paying on time every 1st of the month. there's no disbursement. suddenly it's 600++ from 300+.
edit: compared and checked all statements and noticed april's payment was used as advanced payment instead of deducting outstanding. i normally pay extra which ended up in advanced payment pool (so i forgot the actual advanced payment i have) the amount 600++ SHOULD be Apr + May This post has been edited by xHj09: May 1 2020, 06:21 PM |
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May 1 2020, 06:53 PM
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#6
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QUOTE(coolguy99 @ May 1 2020, 06:42 PM) So its still correct? I was shocked too when i saw my loan statement this morning. banker will get back to me on monday. should be correct i guessHow did you check that it was used for advanced payment? Edit: Checked. The money for April did go into the advanced payment bucket. But the money is still deduced from my loan account. I have the full flexi loan by the way. How do I withdraw my money from the advanced payment pool? hmm mine's semi flexi so i cant answer that, but my dad says his full flexi can just withdraw online. |
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Sep 20 2023, 11:17 PM
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#7
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anyone know the difference between RHB full flexi vs PBB full flexi?
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