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> which bank has better offer?, house loan

among all the banks which has better offer?
 
hong leong [ 18 ] ** [19.15%]
rhb [ 11 ] ** [11.70%]
maybank [ 15 ] ** [15.96%]
cimb [ 2 ] ** [2.13%]
ocbc [ 0 ] ** [0.00%]
public bank [ 42 ] ** [44.68%]
ambank [ 1 ] ** [1.06%]
uob [ 5 ] ** [5.32%]
Total Votes: 94
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ichigo kawasaki
post Jan 15 2021, 01:03 AM

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Is there better bank than PBB for property loan for the last 10 yrs???

2nd donno. (Cimb used to be good bank for property loan but no more.)



cy91
post Jan 15 2021, 12:36 PM

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Public bank also like to force u to buy more insurance than u actually need...
feringgee
post Jan 15 2021, 03:04 PM

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QUOTE(cy91 @ Jan 15 2021, 12:36 PM)
Public bank also like to force u to buy more insurance than u actually need...
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Agreed. They would be the best one to go with if you are not forced to take up the insurance.
CSW1990
post Jan 15 2021, 03:05 PM

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From my experience, it is Public bank.. strict.. but the rate lowest compared to Maybank and others
cy91
post Jan 15 2021, 08:39 PM

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I voted for Maybank for the flexibility and more modern online system. Straight forward and no trick.
ZeneticX
post Jan 17 2021, 07:20 PM

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QUOTE(cy91 @ Jan 15 2021, 12:36 PM)
Public bank also like to force u to buy more insurance than u actually need...
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depends on your banker i think

for my case, i just tell my banker to lower the MRTA, and he did as I told
cy91
post Jan 18 2021, 01:28 PM

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QUOTE(ZeneticX @ Jan 17 2021, 07:20 PM)
depends on your banker i think

for my case, i just tell my banker to lower the MRTA, and he did as I told
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Got ask u to buy critical illness CI insurance?

My case I got MRTA 3k+ then another CI 5k+ total 8k++...
ZeneticX
post Jan 18 2021, 01:39 PM

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QUOTE(cy91 @ Jan 18 2021, 01:28 PM)
Got ask u to buy critical illness CI insurance?

My case I got MRTA 3k+ then another CI 5k+ total 8k++...
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nope. just the usual MRTA for me

[EDIT] i doubled checked and I indeed got CI as well. But my CI only cover 15 years and only RM1k+

not sure why your CI is higher than MRTA...

This post has been edited by ZeneticX: Jan 18 2021, 01:49 PM
cy91
post Jan 18 2021, 02:08 PM

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QUOTE(ZeneticX @ Jan 18 2021, 01:39 PM)
nope. just the usual MRTA for me

[EDIT] i doubled checked and I indeed got CI as well. But my CI only cover 15 years and only RM1k+

not sure why your CI is higher than MRTA...
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Yea, but it is just paying more for higher protection in case something happened to me. So I don't see it as wasted money.

Anyway they offered me the best rate so I am not complaining LOL
zero88
post Jan 18 2021, 06:15 PM

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QUOTE(iamtheone2020 @ Jan 13 2021, 10:15 PM)
I got 2.85% from public bank..think one of the lowest
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this one is effective lending rate ah ? (base rate + bank profit rate)



This post has been edited by zero88: Jan 18 2021, 06:17 PM
personaforever6789
post Jan 18 2021, 09:02 PM

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QUOTE(zero88 @ Jan 18 2021, 06:15 PM)
this one is effective lending rate ah ? (base rate + bank profit rate)
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Yup
TSKlsa
post Jan 20 2021, 01:52 PM

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QUOTE(cy91 @ Jan 15 2021, 12:36 PM)
Public bank also like to force u to buy more insurance than u actually need...
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buy more insurance like?

QUOTE(CSW1990 @ Jan 15 2021, 03:05 PM)
From my experience, it is Public bank.. strict.. but the rate lowest compared to Maybank and others
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strict as in they get into really details stuff and document?

QUOTE(cy91 @ Jan 15 2021, 08:39 PM)
I voted for Maybank for the flexibility and more modern online system. Straight forward and no trick.
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that's good to hear cz transparency is important
infiniti123
post Jan 20 2021, 02:28 PM

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got 2.9% from HLB for a loan of RM2,xxx,xxx recently 70%.
chose HLB over UOB or Pbe because Hlb gave me the option not to buy MRTA or any insurance packages bundle to the loan itself.

the thing with HLB is you have to have a loan manager/agent who is reliable. if not they tend to go MIA or uncontactable in times you need them. hlb also offered me a discounted property valuation fee at 3k whereas pbe and other charged me 8k and above for valuation..
Afdhal92
post Jan 21 2021, 10:15 AM

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QUOTE(cy91 @ Jan 13 2021, 09:27 PM)
What is the lowest rate that can get from Public bank? But public bank contract abit tricky, easily charge u a lot of money if u missed payment
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Mine rate is 3.3% for my first house . quite high or not
SUSNicklly
post Jan 24 2021, 07:48 PM

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mine rate 2.8 from pbb 350k loan 35yrs
CSW1990
post Jan 28 2021, 10:26 AM

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QUOTE(Nicklly @ Jan 24 2021, 07:48 PM)
mine rate 2.8 from pbb 350k loan 35yrs
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Wow now the rate so low already. I got 1.75+1.3% from mbb last July since the opr cut
dintz10
post Mar 28 2021, 09:59 PM

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Hi, how do I apply for housing loan? Do I need to go to the bank directly or find an officer that can offer/process my loan.

Sorry, but it’s been a while since I bought a house and I don’t know how to proceed with the loan application.

Thanking you in advances for the reply. thumbup.gif
DragonReine
post Mar 29 2021, 09:12 AM

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QUOTE(dintz10 @ Mar 28 2021, 09:59 PM)
Hi, how do I apply for housing loan? Do I need to go to the bank directly or find an officer that can offer/process my loan.

Sorry, but it’s been a while since I bought a house and I don’t know how to proceed with the loan application.

Thanking you in advances for the reply.  thumbup.gif
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You can walk into a bank and say you're planning to apply housing loan at customer service counter when taking number. They'll redirect you to the appropriate processing people.

Usually however developers/agents have network with banks or banks officers that can give preferential interest rates as "panel" banks. If you're buying from developer directly you may sometimes meet banks officers stationed there.

Of course, to get best rates it's best to shop around and apply at different banks 🤗
dintz10
post Mar 29 2021, 09:28 AM

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QUOTE(DragonReine @ Mar 29 2021, 09:12 AM)
You can walk into a bank and say you're planning to apply housing loan at customer service counter when taking number. They'll redirect you to the appropriate processing people.

Usually however developers/agents have network with banks or banks officers that can give preferential interest rates as "panel" banks. If you're buying from developer directly you may sometimes meet banks officers stationed there.

Of course, to get best rates it's best to shop around and apply at different banks 🤗
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TQ @DragonReine for the reply. It is helpful thumbup.gif
DragonReine
post Mar 29 2021, 07:08 PM

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QUOTE(dintz10 @ Mar 29 2021, 09:28 AM)
TQ @DragonReine for the reply. It is helpful  thumbup.gif
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No problems! You can check banks' websites for required documents too.

Some banks like Public Bank can "apply" directly online via their websites. Most banks also can book appointments online via their sites for loan application.

Personally I'd recommend online booking because with pandemic it's a bit unpredictable whether a branch might be open or not 😅 sometimes they won't accept walk in customers if too many visitors to branch.

Wish you best of luck!

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