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> Which bank offer FULL FLEXI LOAN?, Any bank?

moon yuen
post Jun 12 2018, 03:12 PM, updated 5 months ago

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As title, any bank offer full flexi housing loan?

How is the interest rate ?

Normally, full flexi vs semi flexi,which one give lower rate ?

This post has been edited by moon yuen: Jun 12 2018, 03:20 PM
sunami
post Jun 12 2018, 03:15 PM

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i recently got one from cimb...4.65
moon yuen
post Jun 12 2018, 03:22 PM

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QUOTE(sunami @ Jun 12 2018, 03:15 PM)
i recently got one from cimb...4.65
*
How much ur loan amount?
sunami
post Jun 12 2018, 03:29 PM

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QUOTE(moon yuen @ Jun 12 2018, 04:22 PM)
How much ur loan amount?
*
650k
coolguy99
post Jun 12 2018, 04:10 PM

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QUOTE(sunami @ Jun 12 2018, 03:15 PM)
i recently got one from cimb...4.65
*
That is fairly high. Is it with or without mrta?
coolguy99
post Jun 12 2018, 04:12 PM

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QUOTE(moon yuen @ Jun 12 2018, 03:12 PM)
As title, any bank offer full flexi housing loan?

How is the interest rate ?

Normally, full flexi vs semi flexi,which one give lower rate ?
*
Full or semi flexi does not have an effect on the rate given. Instead, some banks offer better rates if you take up MRTA along with their loan package.
crabken
post Jun 12 2018, 04:15 PM

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last month just secured islamic loan from hong leong
first and second year 4.4
third year onwards 4.55
luminarist
post Jun 12 2018, 04:18 PM

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rates so high, the bank must be very happy
moon yuen
post Jun 12 2018, 04:28 PM

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QUOTE(crabken @ Jun 12 2018, 04:15 PM)
last month just secured islamic loan from hong leong
first and second year 4.4
third year onwards 4.55
*
FULL FLEXI loan?
FuNks
post Jun 12 2018, 04:30 PM

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u can check with pbb , i got mine 4.1 then 4.22
crabken
post Jun 12 2018, 04:32 PM

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QUOTE(moon yuen @ Jun 12 2018, 04:28 PM)
FULL FLEXI loan?
*
yup
sunami
post Jun 12 2018, 04:57 PM

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QUOTE(coolguy99 @ Jun 12 2018, 05:10 PM)
That is fairly high. Is it with or without mrta?
*
full flexi wo..i dont think so..
whats the rates u got?
without mrta..planning to take mlta instead
Hofmann33
post Jun 12 2018, 05:05 PM

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"Full-flexi home loan (or just “flexi loan”) takes the notion of flexible payment to the next level, enabling borrowers to make advance payment to lower their property loan interest and withdraw the additional payments they've made whenever they like, without the need for complicated procedures, or additional charges."

Not bad these full flexi loans. Always thought the interest rates were significantly higher on these.
skyp
post Jun 12 2018, 05:33 PM

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Anyone using HLB flexi loan?

I get to know that money from EPF (Withdraw to reduce bank interest) cannot be withdraw from HLB loan account into Saving account.
Is that correct?

Because i can do that for MBB but HLB doesnt allow.
moon yuen
post Jun 12 2018, 05:35 PM

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QUOTE(sunami @ Jun 12 2018, 04:57 PM)
full flexi wo..i dont think so..
whats the rates u got?
without mrta..planning to take mlta instead
*
The loan officer Cimb took so long time ,can't even get me good rate
sunami
post Jun 12 2018, 06:01 PM

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QUOTE(moon yuen @ Jun 12 2018, 06:35 PM)
The loan officer Cimb took so long time ,can't even get me good rate
*
how long it takes?
mine approved in 2 days cool2.gif

This post has been edited by sunami: Jun 12 2018, 06:01 PM
moon yuen
post Jun 12 2018, 06:05 PM

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QUOTE(sunami @ Jun 12 2018, 06:01 PM)
how long it takes?
mine approved in 2 days cool2.gif
*
4 weeks. ALMOST 1 month. Shitty rates even I m preferred customer.

This post has been edited by moon yuen: Jun 12 2018, 06:06 PM
coolguy99
post Jun 12 2018, 06:37 PM

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QUOTE(sunami @ Jun 12 2018, 04:57 PM)
full flexi wo..i dont think so..
whats the rates u got?
without mrta..planning to take mlta instead
*
Maybank offered me 4.6 without mrta.
coolguy99
post Jun 12 2018, 06:38 PM

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QUOTE(crabken @ Jun 12 2018, 04:32 PM)
yup
*
Hong leong has full flexi Islamic loan? I thought the only full flexi product is mortgage plus
sunami
post Jun 12 2018, 07:07 PM

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QUOTE(moon yuen @ Jun 12 2018, 07:05 PM)
4 weeks. ALMOST 1 month. Shitty rates even I m preferred customer.
*
then something wrong with your loan officer.
btw..all i know..within a week can get approval d..
is your commitment high?

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