Hooray! V16!

Very simple to understand one:

Let say the bank offer you RM 100k loan in flexi account. You have RM 31k cash in hand and put it inside the flexi loan.

At the end of the month, bank only charge the interest for RM 69k loan and RM 10.60 for maintenance and gst.

With the implementation of this blardy "flexi charge" now, beside the interest charge of RM 69k + RM 10.60 (maintenance+ GST), they will charge you extra RM 40 per month. The reason is, CIMB offer you RM 100k loan, but you only use RM 69k loan (after minus your RM 31k cash), that's why they charge you for NOT using the loan facility.

WTH, not using Loan facility also kena charge...

This post has been edited by samkps: Oct 28 2015, 10:36 AM

Yeap, fan gor. You are right.

What I will do is to take out the money and put in another housing loan in other bank, and ask the possibility to change to semi flexi account instead. Not sure if it can be done and if any penalty apply.

At the mean time, spread the news as viral as possible, let the housing loan by CIMB lose its competitiveness.

If there is any other bank banker see this, please help to spread as well. You will definately lose a competitor in this context.

must be some jokers went and deposit 95% of their loan amount, and the remainder 5% slowly pay..

Version 16... @.@
Check-in check-in.

I am semi-retire in LYN prop de. What is there to blow somemore? I am waiting for VP, reno and move into my nest nia.

You guys really geng, apartment also can blow berpuluh muka surat

I no blow, only one person blow nia, u see every page got his name

Really gotta respect your effort to explain in another version..
Somemore, you got 2x loan from CIMB

Cheryee aka TKJ, apartment is my level thats y..
Btw, Samkps is our engine behind that's running the core to its max!

Yeah kah samgor?!

I have one loan with CIMB fully flexi neh. But havent reach 30% lar

Mortgage loan may not be competitive enough but recently the commercial loan from CIMB is really jeng.

Personally, I think it's fair for the customers to do whatever they wish with the fully flexi loan. Customers can dump in 30%, 70% or even 100% because this is what the facility is all about.

Restricting the flexibility by imposing rm40 is not fair to those who had already signed up. Herein lies the greediness of a corporate behemoth.

Samkor got so many accounts, want to outsource the funds transfer service to me to jaga or not
Btw, don't think the change of flexi to semi flexi is possible but worth a try to ask.

God know one day you receive a letter from CIMB and tell you they revise to 10% ...

Erm... I admit my saliva more than tea geh... that's the pre-requisite for blow water I suppose..

Sam gor, I won't be suprised if CIMB suddenly increase interest rate due to their cost of funds being the highest amongst all the local banks.

Anyone here attending this Saturday Jet Set with Setia at Setia Alam ?

Victimized bluntly but can't do anything..

Checking in... Hello!
So far for Aquatilis still no news of keys handover yet.
Been not very active lately in LYN because of the blardy new condo I am staying in doesn't allow other ISPs to install except YTL.
So not happy and can't get online all the time.

mobile internet is all you need
and TKs in SEH will be sad as your are moving into new condo instead of joining the neighborhood in SEH.

This post has been edited by wong8981: Oct 28 2015, 02:30 PM

LOL Wong! It's not that I have a choice as my previous rental tenancy was up in Sept, and the house in SEH is not ready. I've discussed briefly over here with TKJ and Sam Kor before. After some consideration, no choice but to move in to new condo first, or second option is to sleep under the bridge - ecohill layover bridge perhaps. lol! Kidding.

Mobile internet doesn't solve my internet problem as I have a home server and personal cloud to host. So now back to the old school style - USB thumb drive and external HDD.

This post has been edited by neotheone: Oct 28 2015, 03:16 PM