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Affin Bank or AmBank Better?, Need advise & experience review
TSivn79
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Dec 19 2016, 04:12 PM, updated 8y ago
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Getting Started
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Hi everyone, Would like to know anyone who take up Affin Bank / AmBank on their home loan has any issue or not, for example slow disbursement issue, etc. Heard some saying Affin very slow in loan disbursement to Developer and causes Buyer need to bear the penalty cost. While AmBank issue with 1MDB & group founder court case will be up next month. Hope everyone can share their experience. Thank you all This post has been edited by ivn79: Dec 19 2016, 04:18 PM
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jason1986
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Dec 22 2016, 03:01 PM
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Stick with PBB, HLBB, or CIMB unless you are getting a really good rate elsewhere.
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gugukrez
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Dec 22 2016, 03:01 PM
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if for saving.. u can go for ambank.. monthly interest rate.. for normal acc..
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TSivn79
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Dec 22 2016, 04:38 PM
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QUOTE(jason1986 @ Dec 22 2016, 03:01 PM) Stick with PBB, HLBB, or CIMB unless you are getting a really good rate elsewhere. Currently awaiting PBE confirmation, but while waiting for it, i'm only able to considering these 2 banks (Ambank & Affin) which has approved my loan. If no choice, then i'll need to to consider these 2 & need everyone yo give opinion...
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TSivn79
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Dec 22 2016, 04:41 PM
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QUOTE(gugukrez @ Dec 22 2016, 03:01 PM) if for saving.. u can go for ambank.. monthly interest rate.. for normal acc.. Both giving me 4.3 but i'm figuring out which one (Ambank & Affin) is more reliable when it come to disbursement, service, complains & so on...
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dannychen
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Dec 22 2016, 09:15 PM
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ambank have more branches and it also opens on sunday for selected branch. affin bank offer slow counter service at branches.
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TSivn79
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Dec 22 2016, 10:46 PM
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QUOTE(dannychen @ Dec 22 2016, 09:15 PM) ambank have more branches and it also opens on sunday for selected branch. affin bank offer slow counter service at branches. Getting more headache now as AmBank is tie-up with upcoming big legal issue involving 1MDB as in today news. On d other hand, also received some comments from friends saying Affin very slow in loan disbursement and even salary of the customers not being credited into customer account.
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TSivn79
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Dec 22 2016, 10:50 PM
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If no choice, which one U will choose guys??
1) AmBank (tie-up with scandals)
OR
2) Affin (Many complaint slow service / slow loan disbursement
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dannychen
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Dec 23 2016, 08:49 PM
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QUOTE(ivn79 @ Dec 22 2016, 10:50 PM) If no choice, which one U will choose guys?? 1) AmBank (tie-up with scandals) OR 2) Affin (Many complaint slow service / slow loan disbursement ask both banker to apply for lower rates. see which one approve your appeal. then decide.
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TSivn79
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Dec 26 2016, 01:07 AM
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QUOTE(dannychen @ Dec 23 2016, 08:49 PM) ask both banker to apply for lower rates. see which one approve your appeal. then decide. Both banks already confirmed can't lower anymore. AmBank(4.35) higher > Affin (4.30) , still thinking 0.05 whether worth considering Affin with many complains. Hope can get some views from u guys This post has been edited by ivn79: Dec 26 2016, 01:14 AM
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TSivn79
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Dec 26 2016, 01:09 AM
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Getting Started
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QUOTE(dannychen @ Dec 23 2016, 08:49 PM) ask both banker to apply for lower rates. see which one approve your appeal. then decide. Both banks already confirmed can't lower anymore. AmBank(4.35) higher > Affin (4.30) , still thinking 0.05 whether worth considering Affin with many complains. Hope can get some views from u guys This post has been edited by ivn79: Dec 26 2016, 01:10 AM
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dannychen
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Dec 26 2016, 11:45 AM
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QUOTE(ivn79 @ Dec 26 2016, 01:09 AM) Both banks already confirmed can't lower anymore. AmBank(4.35) higher > Affin (4.30) , still thinking 0.05 whether worth considering Affin with many complains. Hope can get some views from u guys i prefer ambank because i like their sunday banking.
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qwerty223
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Dec 28 2016, 11:40 PM
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QUOTE(ivn79 @ Dec 26 2016, 01:07 AM) Both banks already confirmed can't lower anymore. AmBank(4.35) higher > Affin (4.30) , still thinking 0.05 whether worth considering Affin with many complains. Hope can get some views from u guys In terms of loan, nothing better than lower interest. Make sure you get them let go of the Takaful. There is just no reason to go branded when comes to loan.
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TSivn79
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Dec 29 2016, 08:59 AM
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QUOTE(qwerty223 @ Dec 28 2016, 11:40 PM) In terms of loan, nothing better than lower interest. Make sure you get them let go of the Takaful. There is just no reason to go branded when comes to loan. Oh, u got any experience through it, i mean Takaful?
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qwerty223
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Dec 29 2016, 09:05 AM
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QUOTE(ivn79 @ Dec 29 2016, 08:59 AM) Oh, u got any experience through it, i mean Takaful? you need to nego with them, but now afaik, Affin is quite desperate to close deal.
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AyamBannedTwice
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Nov 7 2018, 09:49 AM
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Getting Started
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QUOTE(ivn79 @ Dec 26 2016, 01:09 AM) Both banks already confirmed can't lower anymore. AmBank(4.35) higher > Affin (4.30) , still thinking 0.05 whether worth considering Affin with many complains. Hope can get some views from u guys U go with affin or not? Good service or not? Got issue to pay monthly installment?
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balistafear
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Nov 7 2018, 11:38 AM
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Getting Started
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Affin offers quite competitive rates this year until recently, while Ambank rate quite high (for the ones I have seen). Seconded this, if can try with RHB MBB PBB HLBB CIMB too.
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SejukCerita
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Nov 17 2018, 12:18 PM
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Getting Started
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QUOTE(ivn79 @ Dec 26 2016, 01:09 AM) Both banks already confirmed can't lower anymore. AmBank(4.35) higher > Affin (4.30) , still thinking 0.05 whether worth considering Affin with many complains. Hope can get some views from u guys Thats a good rate u got there.. i got offered MBB 4.45%, PBB 4.47%, and CIMB 4.7%
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