QUOTE(zzstormriderzz @ Nov 12 2018, 03:52 PM)
Hello just wanna get some advise on the loan rates. After filtering out the best rates from the banks, I have shortlisted these 3 banks. Which one will be the best?
Maybank : 4.45%, lock in period 4 years, every time take in or take out money has to spend RM25. Can put up to left 1% to serve the loan.
Public Bank: 4.35 first year, second year onwards 4.45. Lock in 3 years. Every time in out money charges RM50. Can put up to 3 years left for installment.
RHB: 4.45%. Lock in 3 years. Free of charge for in out money transaction. Can put up to remaining RM1K left to serve the loan.
Very hard to choose eh.
Public Bank agent told me that ppl usually pick PB because their rates won’t fluctuate that much compared to other banks. Is it true?
Not sure but I took up RHB@4.5% . 0.5% higher than yours. Maybe because I took the 1,033sqft unit (only loan 700k).
RHB offer BLR 3.90% +0.6% . I also got offer from Maybank 4.5% also ) and CIMB (4.6% after appeal)
PBB indeed better with lower rates but they force you to take higher MRTA to enjoy the special rate
Choices is yours if everyone offer around the same rate..go for the Higher BR% , lower lock in period