Only a person who is not strong financially will waste money taking MRTA especially if he plans to settle the loan in 3 yrs. If really required a smart investor would take MLTA not MRTA. And we both know that you do not possess the financial capacity to settle a 470K loan amount in 3 yrs so why boast and talk rubbish?

As I said before, I think you should stop misleading ppl and giving out poor advice. Spend more time on the Investment thread and learn how to manage finances and grow your wealth from the sifus there. You are clearly far behind if your net worth is only RM600K (despite you claiming you have RM20mil).



This post has been edited by cybermaster98: Jul 27 2016, 02:59 PM

Keep trying and keep reporting me. I know it hurts when someone exposes you and your lies.

Again as ive said before, lets keep the discussion real, true and factual. Don't mislead ppl by sharing something that isn't true.

Cheers!

Most ppl who try and pretend to be someone they are not will end up making mistakes like this in their stories. They make such mistakes because it wasn't true in the first place.

You were the only one who was caught many times telling lies. Not only by me but by a number of other forumers. Nobody is protecting me and no mods are twisting the facts. They are experienced enough to manage the forum. let them do their jobs.

What ive shared so far (against you) are facts and facts cannot change. Its nothing personal. Im very much against ppl who use this forum to mislead others by giving baseless advice. If you aren't sure of anything, then either don't share or use a disclaimer so that others can do their own due diligence.

As for MLTA/MRTA, a buyer with strong financials can get the best interest rate WITHOUT MRTA/MLTA. Did u know that? You were asked by the banks to get MRTA to enjoy a lower rate because your financials were not strong. And that's also the reason why your loan application for your average cost double storey house was REJECTED.

You have very limited knowledge about property and investment in general and sadly your unwillingness to learn from the more experienced ppl on LYN prevents you from improving yourself.

Of course the bank loan officer will tell u that. What do u expect him to say? He gets a % of the MRTA cost as his commission. If he says u can get the same interest rate even without MRTA then would ppl take MRTA? U cant be that naïve can you?

Learn to negotiate. If u walk into a bank without any knowledge and act like a blur case, they will take u for a ride. Trust me. I bought 4 properties with a combined loan amount of approx. RM2.5mil.

This post has been edited by cybermaster98: Jul 28 2016, 10:50 AM

Spoken like the real arrogant fool that you are. Don't u get it? YOU are the one talking to the banks. If YOUR finances are poor, it doesn't matter which bank YOU speak to. YOU will still not be able to nego a good rate. The problem here is not the bank. It is YOU and YOUR finances.

Nobody twisted anything. And so far uve been unable to match any thing with tangible facts of your own. Till now u don't even know how to calculate NAV and yet u claim to have a NAV of RM20mil.

Give me your IC number and i'll extract your CCRIS report and post it here together with mine for all to evaluate. Then we'll see who is telling lies.

Lets see if ure man enough to take the challenge.

Still no facts to back your accusations eh?

Ure not lazy. U just don't have any facts to begin with. You have nothing to back yourself up.

Until now you have failed to engage in any meaningful discussion nor contributed effectively on any of the investment threads. U don't need to entertain me. But be assured that I will be around to correct you whenever u post misleading information on any thread.

(Hint: You might want to consider using your old nickname)