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Loan amount more than total purchase price, where unused amount go?
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sunami
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 Oct 1 2021, 05:52 PM
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QUOTE(claudetan @ Oct 1 2021, 06:38 PM) I took RHB mortgage loan and the banker add on 10k on top of my purchasing price + MRTA for legal fee, however, the legal fee disbursed was less than 10k, around 6k left over, i wonder what happened to this 10k as the bank told me the loan was fully disbursed. do you have online account? login and check the loan amount....10k is just estimate to lock your loan...but at the end when they have the actual bill..they will add into the total loan amount... so you can login and double confirm |
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sunami
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Oct 1 2021, 06:32 PM
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QUOTE(moiskyrie @ Oct 1 2021, 07:23 PM) but i only pay deposit of 10% bank disburse 85% already, left 5% not yet... and developer also silent... --------- separate question, i loan 300k, but bank there list i still own them 1million +... how come... is it an islamic loan? |
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sunami
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Oct 1 2021, 06:33 PM
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QUOTE(claudetan @ Oct 1 2021, 07:01 PM) the thing is online banking didnt tell me anything, it only tell me total loan amount which include the legal fee and the remaining amount i need to pay. Btw, i just do some calculation by adding my remaining amount and redraw amount, and the result close to the total loan amount minus 6k .... Actually i wanted to call the bank but the bank always tell me to check with my home branch and my home branch was so far away ..... want to phone also need to get branch number from customer service first .... means it haven add into your loan or disburse tat amount...it needs some time... |
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sunami
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Oct 2 2021, 03:10 PM
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QUOTE(moiskyrie @ Oct 1 2021, 08:06 PM) yep, HLB islamic... when sign the s&p i ask the bank why 1mil+, the manager say no worry.... just for show... dun worry...the amount will decrease over time... do check your monthly statement, u will get wat i mean  |
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