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.)
which bank has better offer?, house loan
which bank has better offer?, house loan
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Jan 15 2021, 01:03 AM
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#21
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Junior Member
112 posts Joined: May 2019 |
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.) Klsa liked this post
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Jan 15 2021, 12:36 PM
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Senior Member
1,294 posts Joined: Nov 2019 |
Public bank also like to force u to buy more insurance than u actually need...
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Jan 15 2021, 03:04 PM
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#23
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Junior Member
45 posts Joined: Oct 2019 |
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Jan 15 2021, 03:05 PM
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#24
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Junior Member
990 posts Joined: Dec 2016 |
From my experience, it is Public bank.. strict.. but the rate lowest compared to Maybank and others
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Jan 15 2021, 08:39 PM
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Senior Member
1,294 posts Joined: Nov 2019 |
I voted for Maybank for the flexibility and more modern online system. Straight forward and no trick.
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Jan 17 2021, 07:20 PM
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All Stars
11,769 posts Joined: Jan 2008 From: KL - Cardiff - Subang - Sydney |
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Jan 18 2021, 01:28 PM
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1,294 posts Joined: Nov 2019 |
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Jan 18 2021, 01:39 PM
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All Stars
11,769 posts Joined: Jan 2008 From: KL - Cardiff - Subang - Sydney |
QUOTE(cy91 @ Jan 18 2021, 01:28 PM) Got ask u to buy critical illness CI insurance? nope. just the usual MRTA for meMy case I got MRTA 3k+ then another CI 5k+ total 8k++... [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 |
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Jan 18 2021, 02:08 PM
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Senior Member
1,294 posts Joined: Nov 2019 |
QUOTE(ZeneticX @ Jan 18 2021, 01:39 PM) nope. just the usual MRTA for me 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. [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... Anyway they offered me the best rate so I am not complaining LOL |
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Jan 18 2021, 06:15 PM
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#30
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Junior Member
37 posts Joined: Dec 2006 |
QUOTE(iamtheone2020 @ Jan 13 2021, 10:15 PM) 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 iamtheone2020 liked this post
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Jan 18 2021, 09:02 PM
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Junior Member
472 posts Joined: Mar 2008 |
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Jan 20 2021, 01:52 PM
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#32
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Junior Member
243 posts Joined: Apr 2016 |
QUOTE(cy91 @ Jan 15 2021, 12:36 PM) buy more insurance like?QUOTE(CSW1990 @ Jan 15 2021, 03:05 PM) 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. that's good to hear cz transparency is important |
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Jan 20 2021, 02:28 PM
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Junior Member
558 posts Joined: Nov 2013 |
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.. |
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Jan 21 2021, 10:15 AM
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Junior Member
75 posts Joined: Sep 2014 |
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Jan 24 2021, 07:48 PM
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Junior Member
523 posts Joined: Jun 2009 |
mine rate 2.8 from pbb 350k loan 35yrs
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Jan 28 2021, 10:26 AM
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#36
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Junior Member
990 posts Joined: Dec 2016 |
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Mar 28 2021, 09:59 PM
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Junior Member
67 posts Joined: Oct 2006 |
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. |
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Mar 29 2021, 09:12 AM
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#38
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Senior Member
2,521 posts Joined: Aug 2011 |
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. 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.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. 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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Mar 29 2021, 09:28 AM
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Junior Member
67 posts Joined: Oct 2006 |
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. TQ @DragonReine for the reply. It is helpful 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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Mar 29 2021, 07:08 PM
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#40
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Senior Member
2,521 posts Joined: Aug 2011 |
QUOTE(dintz10 @ Mar 29 2021, 09:28 AM) 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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