Oct 23 2015, 03:59 PM
QUOTE(keyz0811 @ Oct 23 2015, 03:48 PM)
Hey guys, I am new in the market, and I'm curious on the housing loan.
I am getting a new condo around 600k, which I definitely need a house loan.
I have some doubt on the below,
1. Does the Size of the Bank matters? Like MayBank would be much secured as it's larger. Concerning that if merger would occurs, the loan rate may differ.
2. Why are Banks have different BR, but they all arrive at a similar loan rate? And which is more risky to consider, the Base Rate or the Margin Rate to arrive at the loan rate?
3. Is Islamic Loan a concerns? Btw, I'm non-muslim
4. Semi-Flexi or Full-flexi for a full-time employee?
why worry about bank size? small bank means they can run away? isnt that better since u no need to pay back anymore if they close shopI am getting a new condo around 600k, which I definitely need a house loan.
I have some doubt on the below,
1. Does the Size of the Bank matters? Like MayBank would be much secured as it's larger. Concerning that if merger would occurs, the loan rate may differ.
2. Why are Banks have different BR, but they all arrive at a similar loan rate? And which is more risky to consider, the Base Rate or the Margin Rate to arrive at the loan rate?
3. Is Islamic Loan a concerns? Btw, I'm non-muslim
4. Semi-Flexi or Full-flexi for a full-time employee?
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