Housing loan interest is simple to understand la, go get a loan without understanding is just dumb.

Can get loan so naise.

I only dare to pinjam pinjam menabung from songlap until got enuf only buy buy buy.

3 to 5 year mortgage, then insta settle ala Mainlander Style.

Not so smart if he put it elsewhere that was yielding more than the housing loan interest rate

This is what I know about full flexi PBB and HLB loans based on my experience. Full flexi loans have loan account and another current account opened to facilitate payment.

HLB: let's say loan balance is RM100k. If you put in RM80k in this current acc, only RM70k will be used to offset the interest in the loan.

PBB: loan balance is RM100k. If you put RM80k in the current account, only RM80k*70% will be used to offset the interest in the loan.

For semi-flexi conventional loan, PBB allows 100% offset if you pay a lump sump (but not sure how to do it, either at counter or online), the catch is you cannot or it's very difficult if at all to draw out this extra payment.

For Islamic loan, I have no idea bro.

do you know you still need to pay a lot money to maintain your condo?

You are extra bodoh, a car loan's actual Effective Interest rate is nearly double the published simple interest rate.

private is worst working conditions...and you need to be capable and competence....also gaji ciput....no bonus....you sure?

Ts memang obvious troll since day one

dont bother explaining basic logic to him la

do you really think they buy using own name and own pocket money?

Inb4 turun padang or not

They use fama's money?

yes i know, maintenance fee 200, and reno

but at least reduce quite an amount of interest in long run for the loan. paying 90% of the monthly installment to capital for the 1st yr quite syok

what do you think?

Thats why these kind of things which Muslims should fight and jihad against, Muslims dont do. Meanwhile only good at kacau dress code.

Idk, you tell me since you gave the impression as if people don't use own money and name to buy RM2m houses.

maintenance fee is just a starting....it will be long terms commitment....

not only renovations, furnitures etc....but also to repair the broken things/pipe/water leakage, and cleaning the house also a long terms cost....

don't forget cukai tanah cukai pintu....and MOT

i sekaligus taruh 160k into the semi-flexi account for a principal of 430k

maybank is the best then, can offset 100%

FAMA fund is good...if not company money lo

uncle wondering why you kill your cash flow?