Which Bank for Home Loan, ur exp ?
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 Nov 8 2022, 01:34 PM
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#1
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4,954 posts Joined: Jul 2010  
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QUOTE(47100 @ Nov 8 2022, 11:50 AM) rhb full flexi, 0 maintenance cost too. Is there any cap/limit on interest offset for its full flexible loan? PBB: 70% of balance in current account, 30% goyang telur HLB: 70% of remaining principle. |
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Nov 8 2022, 01:49 PM
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#2
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Senior Member
4,954 posts Joined: Jul 2010
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QUOTE(47100 @ Nov 8 2022, 01:41 PM) for my case, the limit is the outstanding I suppose No, what I mean is, using your example, when you put in an amount equal to your 90% loan balance, does the bank only charge you the daily interest based on the 10% remaining?i have tired put in close to 90% of the principle loan balance and still can withdraw out/in.. (but in multiples of 1000 only) i hope this is what you mean? Not referring to the ability to withdraw, as every ff loan allows us to withdraw miney in the current account. Example: - loan balance 1million - today you put in 900k inside your current account. - your interest calculated for today is (RM100k * interest rate %)/365 kah? For PBB, if you put in 900k, only RM900k*0.7 will be used to offset principle. For HLB, if you put RM900k, you will only offset RM1million*0.7. |
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Nov 8 2022, 02:03 PM
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#3
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QUOTE(Zer0 c00L @ Nov 8 2022, 01:58 PM) Just gotten a RHB full flexi loan, no such restriction, double and triple checked I jelly lo.and yes PBB and HLB definitely has this hidden thing, the banker some more cheekily suggested that i get around this by depositing 130% so that i can offset the interest on the principle fully, feel like wana slap them |
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Nov 8 2022, 02:41 PM
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#4
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QUOTE(Zer0 c00L @ Nov 8 2022, 02:18 PM) lol u jelly my debts? Jelly of no cap for your flexi loan. Btw, was your interest higher than the other banks, and what are the other cons of this package? I mean, there are no cap and no monthly maintenance fee... something has to give way, right? |
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