Worst time to get loan is during low opr especially when it's down a few times in a yr 😅😅😅

Banks r not silly to lose their fd interest wan. Loanees ll pay for the price. But it's normal tat ALL gurus ll say its the best time to get loan now.

🐄💩

I thought some banks last quarter report showing loss aldy??

I don't see bank increasing the spread. People are still getting 3.15-3.3 which is the same net as people taking loan before the consecutive drops.

Why lower?

MxSx ?

I am now dilemma which bank to took for house loan. priority is HLB which offer me 2.88 (BR)+0.32 (SR)

however, heard HLB has the right not follow Bank negara to drop the 0.25% BR. which will occasionally make my loan higher then others later on.
any sifu pls advice

because my I have placed my booking fee and the form stated I need to get SPA and loan signed within 14 working days. (which now only left 3-4days)

hence, is it possible to extend it until the bank revise the rate? (subsale unit)

allrite. your opinion is to wait until the bank give a firm revised rate offer letter just sign will be better?
cause bank officer told me will revised accordingly after I signed but not sure bluff or not la.

just wanna ask all sifus here, im considering taking a new home loan (1st property) and currently have two offers from Muamalat (offering 3.45%) and UOB (waiting for official offer). is 3.45% rate is good considering the situation now?