Housing loan is scary
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 Oct 10 2023, 12:38 PM
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#1
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Newbie
4 posts Joined: Jun 2015 
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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.. xiaojohn liked this post
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Oct 10 2023, 12:47 PM
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#2
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Newbie
4 posts Joined: Jun 2015
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QUOTE(smallcrab @ Oct 10 2023, 12:42 PM) Untung keje gomen Sejujurnya...regrett join gov..gaji ciput, yearly bonus germ size |
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Oct 10 2023, 03:26 PM
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#3
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Newbie
4 posts Joined: Jun 2015
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QUOTE(mushigen @ Oct 10 2023, 02:36 PM) IMO, you lose money by taking out from ASB to pay more downpayment if ASB gives you higher interest rate compared to home loan - especially for gomen staff kan? You only gain from potentially lower MRTT premium. indeed, but nothing to lose since ASB dividen return for the last 2-3 years quite low. mushigen liked this post
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