Welcome Guest ( Log In | Register )

16 Pages « < 5 6 7 8 9 > » Bottom

Outline · [ Standard ] · Linear+

 Housing loan is scary

views
     
GOPI56
post Oct 10 2023, 11:46 AM

Regular
******
Senior Member
1,495 posts

Joined: Dec 2012
Thank you TS for helping to pay for my juicy bank bonus every year.

Banks like people like TS….😂😂
Ayambetul
post Oct 10 2023, 11:48 AM

Casual
***
Junior Member
336 posts

Joined: Mar 2017
Motobodo is real in this world
alexkos
post Oct 10 2023, 11:50 AM

Look at all my stars!!
*******
Senior Member
2,275 posts

Joined: Jun 2010
QUOTE(max_cavalera @ Oct 10 2023, 09:31 AM)
Unker ppr in 2013 buy only rm218k.

Monthly supposed to be rm1100 wonly.

But pay rm2k monthly now.

Currenlt principle left rm66k wonly.

Hope can fully settle within the next 2-3 years.
*
better pay minimum keep cash king

house sure alot maintenance upkeep later down the road

mortgage is cheapest, u should use it to max
max_cavalera
post Oct 10 2023, 11:51 AM

rebirth
*******
Senior Member
5,614 posts

Joined: Jun 2006
From: Cyberjaya, Shah Alam, Ipoh



QUOTE(alexkos @ Oct 10 2023, 12:50 PM)
better pay minimum keep cash king

house sure alot maintenance upkeep later down the road

mortgage is cheapest, u should use it to max
*
Diam lar thamby!!

150k kl studio got??!
N9484640
post Oct 10 2023, 11:55 AM

Chasing Electric
******
Senior Member
1,291 posts

Joined: Aug 2014
QUOTE(BullshitDetective @ Oct 10 2023, 11:11 AM)
IF ONLY they let u put 100% of your loan amount lol.
*
QUOTE(prdkancil @ Oct 10 2023, 11:13 AM)
Then wat is the max % allow to park into flexi loan acc?
*
mine can offset 100%. Took the loan in year 2012. New rules I dunno ...back then can put 100%
PBB didnt make any money from me, just progressive interest lol. tongue.gif


Ayambetul
post Oct 10 2023, 11:57 AM

Casual
***
Junior Member
336 posts

Joined: Mar 2017
QUOTE(BullshitDetective @ Oct 10 2023, 11:11 AM)
IF ONLY they let u put 100% of your loan amount lol.
*
Full flexi loan can.

U can put whatever amount u like.
gashout
post Oct 10 2023, 12:00 PM

⭐ My stars are growing ⭐
*******
Senior Member
5,741 posts

Joined: Apr 2019
QUOTE(robotking123 @ Oct 10 2023, 09:28 AM)
Loan 350k
Today outstanding: 320k
Already served 6 years plus, 1500 monthly

6 x 12 x 1500 = 108k
108k - 30k = 78k

Bank already earned 78k interest from me, bloody hell
Gov should do sthg, how can house loan be so expensive...
*
thats why i cleared off in 3 years.

now i have advance cash can withdraw when need it

bank is angry, ask me to settle close account asap. but why should i
submergedx
post Oct 10 2023, 12:01 PM

Regular
******
Senior Member
1,132 posts

Joined: Jun 2015
QUOTE(cmk96 @ Oct 10 2023, 10:36 AM)
Sometimes i don't understand those "buy properties for investment".

mostly making lost anyways. Property appreciation is practically none now.
*
It's legit, when you buy before 2016/2017.
My cousin just sold his Semi D, sold price are 2x from his SPA price, bought around 2014.
Boldnut
post Oct 10 2023, 12:21 PM

Look at all my stars!!
*******
Senior Member
2,209 posts

Joined: Nov 2010
QUOTE(cmk96 @ Oct 10 2023, 10:36 AM)
Sometimes i don't understand those "buy properties for investment".

mostly making lost anyways. Property appreciation is practically none now.
*

depends on places.

condo pretty much non-existance already.

but landed house in Klang valley. This one still go up. landed house is like Limited unit already, especially free hold landed. No developer wanna build landed house in near KL or inside KL anymore. This type of house confirm sky high price in future.

killeralta
post Oct 10 2023, 12:21 PM

Getting Started
**
Junior Member
244 posts

Joined: Jul 2008
QUOTE(robotking123 @ Oct 10 2023, 09:40 AM)
House loan should follow car loan, max 9 years and fixed interest. Today bought Benz 300k loan 9 years also not this expensive. How come house loan interest so high than car?
*
Tell me you don't know finance without telling me
dman
post Oct 10 2023, 12:24 PM

On my way
****
Junior Member
540 posts

Joined: Mar 2006


Yala loan 400k, after paid all is 800k liao.

Macam scam lol...


lopo90
post Oct 10 2023, 12:28 PM

On my way
****
Junior Member
695 posts

Joined: Nov 2010


QUOTE(gashout @ Oct 10 2023, 12:00 PM)
thats why i cleared off in 3 years.

now i have advance cash can withdraw when need it

bank is angry, ask me to settle close account asap. but why should i
*
Wow, you played the bank nicely and they don't like being beaten at their own game

This post has been edited by lopo90: Oct 10 2023, 12:28 PM
ameliorate
post Oct 10 2023, 12:35 PM

Casual
***
Junior Member
370 posts

Joined: Jul 2010


QUOTE(dman @ Oct 10 2023, 12:24 PM)
Yala loan 400k, after paid all is 800k liao.

Macam scam lol...
*
Hey, it's legal ok. Got formula and stuff. Universal punya.

Aaron212
post Oct 10 2023, 12:35 PM

Regular
******
Senior Member
1,773 posts

Joined: Dec 2013


QUOTE(N9484640 @ Oct 10 2023, 07:55 AM)
mine can offset 100%. Took the loan in year 2012. New rules I dunno ...back then can put 100%
PBB didnt make any money from me, just progressive interest lol.  tongue.gif
*
they actually made so much with the moni u parked there

moni grow moni for them

bank still wins

we just dont let them win too much tats it
spider955
post Oct 10 2023, 12:38 PM

New Member
*
Newbie
4 posts

Joined: Jun 2015
You remind me my 3rd landed house loan

House Price: rm430k
Downpayment : Rm130k ( Big hole on my ASB)
Loan + MRTT : 311k
Tenure :11 years...yess i make 11 years loan!! starting april 2017
Monthy Rm2700-RM29++ (depend on BLR) best year during covid...reject moratorium since iam gov staff gaji tetap jalan
Today outstanding: 181k


Total bank makan for 11 years loan estimate: RM98k , yeah got pro and cons when high downpayment, shorter time but kill my itik telur emas ASB..
kamfoo
post Oct 10 2023, 12:41 PM

Enthusiast
*****
Junior Member
846 posts

Joined: Nov 2010


Bbb
SUSceo684
post Oct 10 2023, 12:42 PM

Component Burner
********
All Stars
11,667 posts

Joined: Jan 2003
From: Klang/Subang




Uuu
smallcrab
post Oct 10 2023, 12:42 PM

Getting Started
**
Junior Member
140 posts

Joined: Jul 2007
From: Puchong


QUOTE(spider955 @ Oct 10 2023, 12:38 PM)
You remind me my 3rd landed house loan

House Price: rm430k
Downpayment : Rm130k ( Big hole on my ASB)
Loan + MRTT : 311k
Tenure :11 years...yess i make 11 years loan!! starting april 2017
Monthy Rm2700-RM29++ (depend on BLR) best year during covid...reject moratorium since iam gov staff gaji tetap jalan
Today outstanding: 181k
Total bank makan for 11 years loan estimate: RM98k , yeah got pro and cons when high downpayment, shorter time but kill my itik telur emas ASB..
*
Untung keje gomen
SUSxiaojohn
post Oct 10 2023, 12:43 PM

Getting Started
**
Junior Member
229 posts

Joined: Feb 2022
QUOTE(robotking123 @ Oct 10 2023, 09:28 AM)
Loan 350k
Today outstanding: 320k
Already served 6 years plus, 1500 monthly

6 x 12 x 1500 = 108k
108k - 30k = 78k

Bank already earned 78k interest from me, bloody hell
Gov should do sthg, how can house loan be so expensive...
*
well summarized...
giftfre
post Oct 10 2023, 12:45 PM

Control Macho
****
Junior Member
683 posts

Joined: Jul 2010



QUOTE(Darkspreader @ Oct 10 2023, 09:28 AM)
U x sukak u bayar cash
*
Geng Riba, start your engine.......

16 Pages « < 5 6 7 8 9 > » Top
 

Change to:
| Lo-Fi Version
0.0185sec    0.74    6 queries    GZIP Disabled
Time is now: 14th December 2025 - 04:29 PM