Feb 9 2017, 01:06 PM
QUOTE(e8184 @ Feb 8 2017, 04:26 PM)
There is always an option for refinancing bro. try survey which bank offer better rate, or better package. the banks also like to compete between themselves.
But in most cases, MRTA will be burned in the case of refinance. Im not sure whether we can get some percent of rebate for MRTA if loan settled earlier. does anyone know?
I'm not sure about the mrta..but if it is mrtt (takaful) you can always ask for some refund if the loan settled early. Normally even if u paid lump sump, the "premium" will be utilize on yearly basis by the takaful company. If the amount is meant for 35 years coverage but you settle within 10 years you can always request for refund from the company. But bear in mind that the amount is not equally deduct each year. You can check the remaining balance with the takaful company.But in most cases, MRTA will be burned in the case of refinance. Im not sure whether we can get some percent of rebate for MRTA if loan settled earlier. does anyone know?
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