bank negara had set some controlled on it, compare last time it is even easier.

what bank u guys took loan from?

Ixora with RHB 4.3%

few more offer like HLB 4.2% for first year, subsequent year 4.4, public bank 4.27% Cimb 4.55%

last time my house loans are rhb bank and HLBB... but HLBB is faster and better rate.... just that recently i saw my fren who bought property... the efficiency seems drop and their required DSR also seems drop... my fren just utilized 60% of his net income... record decent... but need guarantor...

I tried few banks. Here's the summary
1) OCBC - only allows 85% loan. The sales person told me upfront. Rate is one of the highest in the market
2) Public - took more than 2 weeks n offered me 85% loan.. Can not finance the loan agreement fees.. Rate should be the lowest in the market but too kiasi (takut mati)..
3) HLB - 90% + loan agreement fees.. LO ready in 2 days time. Rate is higher than others.
4) CIMB - 90% + loan agreement fees.. Rate is reasonable after appeal but lock-in 3 years.
5) Maybank - 90% + loan agreement fees.. Rate is reasonable and no lock-in period..

wah they did not force u for MRTA, so nice lol

HLB promotion rate is a gimmick. I told the sales manager too. If u take 30 years loan with 4.4% n only 4.2% on the first year, it is as good as 4.399999%.. Then he laughed n agreed..

Oh.. I was talking about rates only.. haha
by right it's not a compulsory to buy MRTA but every bank kinda 'force' u to buy.. except HLB but u need to pay higher interest..
MRTA is varies from bank to bank. Some offer 50% coverage, some offer 10 years n so on..

Same like me last time, after couple of days HLB approved already but 89% only and a bit higher interest rate. They keep pushing me to accept saying that if not accept now developer will charge late fees. Luckily i did not accept and get better rate other bank

Mine also RHB but 4.4%, approval last year. The lower interest rate is it because of OPR going down recently starting July this year? Can I ask for lower rate?haha

This post has been edited by ubi1kelubi: Oct 31 2016, 10:43 AM

generally most of the banks BR reduced already.. if you got the loan during the era of BR implemented... your rates should be reduced or revised by now i guess...

lower already ma, by 0.25, you check your RHB online lor, i dont think it is still 4.4

4.4 - 0.25 = 4.15%??haha
My current house loan with ocbc got letter already regarding the reduction but this one I didnt get any letter

cause u still serving interest rate ma not yet VP, but they did send u monthly how much to pay for interest
but if u login RHB online, u will see your current interest rate.

This post has been edited by tiongkeat: Oct 31 2016, 11:22 AM

Go visit Hibiscus 2 this afternoon. PT30849-PT30870.


Attached thumbnail(s)

Nice looking :thumbsup:
U also bought hibiscus 2?

Yes.

Wow nice! Cant wait to c my unit in full white grey color.. Last 2 weeks my row still in bricks hehe.

This post has been edited by alijoe: Oct 31 2016, 09:22 PM

The front porch doesn't look tidy. Is it built on slope land ?

Wow so nice Thanks for the update bro!