Welcome Guest ( Log In | Register )

Bump Topic Add Reply RSS Feed
6 Pages < 1 2 3 4 5 > » Bottom

Outline · [ Standard ] · Linear+

 [wta] RHB bank full flexi house loan, how flexi is RHB full flexi house loan

views
     
TShayview
post Sep 10 2019, 01:01 PM

New Member
*
Newbie
18 posts

Joined: May 2009
QUOTE(davidletterboyz @ Sep 10 2019, 12:23 AM)
Yours is what bank and plan?
*
rhb bank, full flexi.
davidletterboyz
post Sep 17 2019, 02:57 PM

Der Kaiser
*******
Senior Member
4,672 posts

Joined: Jan 2003
QUOTE(hayview @ Sep 10 2019, 01:01 PM)
rhb bank, full flexi.
*
How does RHB Full flexi work? Can reduce principal more than 70%?
edwinliong
post Oct 6 2019, 11:24 PM

Getting Started
**
Junior Member
61 posts

Joined: May 2010
QUOTE(unknown_2 @ Aug 26 2019, 03:47 PM)
izzit a new rules or wat?
i remember last year, once i 4got to pay the regular installment.
i called & ask if there's any penalty.
the CS told me that they bank edi auto deduct from my "advanced payments".
i've nvr make any advanced regular payment, but i did put som in principle.
*
Bro, if you forgot to pay the regular installment, they will auto deduct from your current acc, please double check.
And, any payment made to "principle" is not withdraw-able anymore.
unknown_2
post Oct 7 2019, 12:01 AM

On my way
****
Junior Member
573 posts

Joined: Mar 2012
QUOTE(edwinliong @ Oct 6 2019, 11:24 PM)
Bro, if you forgot to pay the regular installment, they will auto deduct from your current acc, please double check.
And, any payment made to "principle" is not withdraw-able anymore.
*
i'm pretty sure it dint deduct from my current account, cuz i dint use the account besides for loan.
so i'll always leave just RM10 in it, & transfer money in when i wanna do payment.
darkhunter16
post Oct 26 2019, 12:11 AM

Getting Started
**
Junior Member
128 posts

Joined: Nov 2016
How to do the redrawal from the full flexi loan using online banking?

This post has been edited by darkhunter16: Oct 26 2019, 12:12 AM
TShayview
post Oct 28 2019, 09:29 AM

New Member
*
Newbie
18 posts

Joined: May 2009
QUOTE(darkhunter16 @ Oct 26 2019, 12:11 AM)
How to do the redrawal from the full flexi loan using online banking?
*
if i not mistaken, need to go to bank to withdraw.
toos99
post Oct 28 2019, 03:46 PM

Getting Started
**
Junior Member
156 posts

Joined: Jan 2019
Also, under RHB, every year I see an additional 1K++ being added into the loan, which shows up as FEES ASSESSMENT.

Anyone knows what's this about? This RHB sends you no sh*t whatsoever. It's like a self service sandwich joint this bank.

This post has been edited by toos99: Nov 11 2019, 12:43 AM
toos99
post Oct 28 2019, 04:12 PM

Getting Started
**
Junior Member
156 posts

Joined: Jan 2019
QUOTE(hayview @ Aug 26 2019, 10:05 AM)
Hi

Just an update, even you are paying extra to principle prepayment, the principle is reduced and interest is reduced.

but you are still required to pay the same amount every month, because there is not recalculation.

just called to bank officer to confirm.
*
Wish to confirm that this is correct. Had a long, arduous journey to get this info previously. The monthly installment changes only when there is a major shift ie BLR rates. Else, even if you throw in big amount of cash, EPF, etc, monthly installments remain as is. The only variable that changes here is the duration of the loan.

Although, you could request to have it revised but I don’t know the procedure.
darkhunter16
post Oct 30 2019, 09:41 AM

Getting Started
**
Junior Member
128 posts

Joined: Nov 2016
QUOTE(toos99 @ Oct 28 2019, 04:12 PM)
Wish to confirm that this is correct. Had a long, arduous journey to get this info previously. The monthly installment changes only when there is a major shift ie BLR rates. Else, even if you throw in big amount of cash, EPF, etc, monthly installments remain as is. The only variable that changes here is the duration of the loan.

Although, you could request to have it revised but I don’t know the procedure.
*
After performing principal repayment, if still paying the same amount, does it mean we pay more to the principal instead of interest? I. E. Further reducing the principal
darkhunter16
post Oct 30 2019, 09:42 AM

Getting Started
**
Junior Member
128 posts

Joined: Nov 2016
QUOTE(hayview @ Oct 28 2019, 09:29 AM)
if i not mistaken, need to go to bank to withdraw.
*
Any branch can also do this? Any charge?
TShayview
post Oct 30 2019, 10:46 PM

New Member
*
Newbie
18 posts

Joined: May 2009
QUOTE(toos99 @ Oct 28 2019, 03:46 PM)
Also, under RHB, every year I see an additional 1K++ being added into the loan, which shows up as FEES ASSESSMENT.

Anyone knows what's this about? This RHB sends you no sh*t whatsoever. No statement, not even a yearly one. It's like a self service sandwich joint this bank.
*
really??,
can you share your statement with your personal info blur out?
TShayview
post Oct 30 2019, 10:47 PM

New Member
*
Newbie
18 posts

Joined: May 2009
QUOTE(darkhunter16 @ Oct 30 2019, 09:42 AM)
Any branch can also do this? Any charge?
*
i think need to be the bank that handle your loan.
toos99
post Oct 31 2019, 12:47 AM

Getting Started
**
Junior Member
156 posts

Joined: Jan 2019
QUOTE(darkhunter16 @ Oct 30 2019, 09:41 AM)
After performing principal repayment, if still paying the same amount, does it mean we pay more to the principal instead of interest? I. E. Further reducing the principal
*
It must be. As interest is calculated based on principle owed.
toos99
post Oct 31 2019, 12:50 AM

Getting Started
**
Junior Member
156 posts

Joined: Jan 2019
..

This post has been edited by toos99: Nov 4 2019, 06:46 PM
toos99
post Nov 3 2019, 11:21 PM

Getting Started
**
Junior Member
156 posts

Joined: Jan 2019
...!!!

This post has been edited by toos99: Feb 17 2021, 02:28 AM
SUSfuzzy
post Nov 8 2019, 04:53 PM

*pew pew pew*
*******
Senior Member
7,106 posts

Joined: Jan 2003
QUOTE(toos99 @ Nov 3 2019, 11:21 PM)
here you go

[attachmentid=10346138]
*
Isn't this minus not addition?

From what I understand fee assessment is the adjustment they make due to changes in interest rate. Call RHB and ask?
SUSMNet
post Nov 9 2019, 10:41 PM

10k Club
********
All Stars
11,954 posts

Joined: May 2007
QUOTE(toos99 @ Oct 28 2019, 03:46 PM)
Also, under RHB, every year I see an additional 1K++ being added into the loan, which shows up as FEES ASSESSMENT.

Anyone knows what's this about? This RHB sends you no sh*t whatsoever. No statement, not even a yearly one. It's like a self service sandwich joint this bank.
*
When is it charged?
toos99
post Nov 9 2019, 11:44 PM

Getting Started
**
Junior Member
156 posts

Joined: Jan 2019
..

This post has been edited by toos99: Apr 3 2022, 03:58 AM
toos99
post Nov 9 2019, 11:45 PM

Getting Started
**
Junior Member
156 posts

Joined: Jan 2019
..

This post has been edited by toos99: Apr 3 2022, 03:58 AM
SUSMNet
post Nov 10 2019, 09:35 AM

10k Club
********
All Stars
11,954 posts

Joined: May 2007
QUOTE(toos99 @ Nov 9 2019, 11:45 PM)
Yearly in Oct. can’t remember exact date but it comes every year sharp.

I’m just wondering if it’s the insurance for the house as the amount is the same always.
*
ur house is still under con or completed?
what is ur rhb loan type name?
« Next Oldest · Finance, Business and Investment House · Next Newest »
 

6 Pages < 1 2 3 4 5 > » Top
Add ReplyOptions
 

Change to:
| Lo-Fi Version
 0.0246sec    0.33    6 queries    GZIP Disabled
Time is now: 20th December 2025 - 06:29 AM
All Rights Reserved © 2002- 2025 Vijandren Ramadass (~unite against racism~)
Removal Request
Powered by Invision Power Board © 2025  IPS, Inc.