LOWEST Fixed Interest Rate In Town

Your ONLY protection against the Unpredictable Base Lending Rate
(Fixed up to 30 years or age 60, whichever earlier)

10 GOOD REASONS WHY YOU SHOULDN'T MISS AIA HOME LOAN PROMOTION

1. Tailor-made packages to suits different homebuyers and home-investor's needs and objectives

2. Lowest Fixed Interest Rate for entire duration

3. FREE Moving Cost - Save thousands of $$$ on legal fee, disbursement charges, valuation and stamp duty. (Applicable for package 4 only.)

4. Peace of Mind - "Your ONLY protection against unpredictable BLR"

5. Prepayment Flexibility - The More you pay, the More you save

6. Daily Rest Interest Calculation

7. Early Settlement, Pay/Sell-off Anytime, No Penalty (except refinancing within first 5 years & excluding package

8. Personalised Service at Your Convenience

9. FREE Processing for Your Convenience

10. Assured Financial Planning - Fixed monthly repayment helps to plan & chart a clearer family financial planning

4 AIA HOME LOAN PACKAGES DESIGNED FOR HOMEOWNERS / INVESTORS WITH DIFFERENT NEEDS & INVESTMENT OBJECTIVE


PACKAGE 1
ONE PLAN RULE THEM ALL

5.75 % p.a.
fixed up to 30 years

* While other banks may only offer low fixed rate for up to 5 years, ours goes the full distance with you & secure it for the entire loan duration. Guaranteed no hidden BLR involved!

(For completed and under construction property)


PACKAGE 2
TAILOR-MADE FOR SHORT TERM LOAN

5.50 % p.a.
fixed up to 5 years
thereafter 6.25 % p.a.

* Enjoy low fixed rates for the first 5 years. Tailor-made for those with a preference for a graduate payment scheme or those who intends to pay off early.

(For completed and under construction property)


PACKAGE 3
UNDER-CONSTRUCTION PROPERTIES ONLY

Landed Property

BLR - 2 %
first 2 years thereafter
5.99% p.a. fixed

Non-landed Property

BLR - 2 %
first 3 years thereafter
5.99 % p.a. fixed

* Enjoy a fantastic rate of BLR - 2% p.a. for 2 - 3 years before reverting to our signature rate of 5.99 p.a. for the rest of the duration.

(For under construction property only)

PACKAGE 4
ZERO MOVING COST

5.99 % p.a.
fixed up to 30 years

* The prefect gift this coming festive season. Refinancing current home loans from other banks over to AIA @ ZERO MOVING COST (ZMC) & instantly enjoy more saving and a lower & fixed monthly installment to boot as well! Save thousands of $$$ on legal fee, disbursement charges, valuation and stamp duty!

(For completed and under construction property)

Note:
Minimum loan amount for the above packages is RM200K.
For loan amount of RM100K to RM199K, 5.99% interest rate is applicable with moving cost.

*For a limited period only*

FOR MORE DETAILS, KINDLY CONTACT
Kimmie Tan
Mortgage Loan Consultant
012-7869713 / 012-3909363
kimmie.aia@gmail.com

This post has been edited by tanliyun86: Oct 22 2007, 01:25 AM

UOB is offering

BLR-2%=4.75%

And seriously BLR wont go up so easily despite the economy nowadays....

AIA is currently offering 5.99% fixed entire loan period with zero entry cost ie no legal fee, stamp duties & valuation cost.

BLR is 6.75% - 2% may seem a good rate now but we have no control over fluctuating BLR which is expected to trend upwards. When this happen, the monthly repayments will also increase. Unless the homeowners / investors are intending to settle the house very soon in next few years.

However, most people will loan for a full 15, 20 or 30 yrs. Who can guarantee the BLR will not go up in such a long period? Back in 1997, when Asian Financial crisis happened, not many people see it coming, this show how unpredictable is tomorrow. In addition, ordinary bank do not have control over the BLR, it is set by the Bank Negara. Therefore, when BLR went up, bank will not be able to do anything, except increse the monthly payment or loan tenure.

In short, I will say that fixed rate is a better choice for those who intend to apply for long loan period. Lock in your interest, and also for better financial planning in long term.

Stop spamming my inbox please. Its annoying. I will report you if you spam my inbox again.

BTW, 1 year ago AIA launch the same thing at 5.99%(non zero moving cost) and claimed its the lowest, and it will never be lower than 5.99%. I disagreed back then.

Today after 1 year, guess what, now u guys are offering 5.75%(non zero moving cost) and I guarantee you that AIA will offer lower fixed rates over the next 6-12 months.

IMO, paying extra for 30 years fixed is not the best move. Get 5 years fixed at most, and one should opt for flexi loans if one have the $$$$$.

Hmm, mind to ask, besides AIA, what's the best home loan right now??