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 Full flexi loan vs semi flexi and strategy

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Jason
post Jan 5 2025, 03:12 AM

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QUOTE(ken431256 @ Jan 3 2025, 12:48 AM)
Thanks bro! When you say maximum loan, meaning the loan margin or the tenure?

Was contemplating to get ~ 500k subsale vs continuing rent the room for the 4 years and paying for instalment for rumahwip too, as both combined my monthly is still about 2.7k roughly
*
Both. Max loan margin and max tenure.

Rumawip… unless location is king I won’t bother. Don’t buy because it’s cheap. Buy because its good.

QUOTE(woolei @ Jan 3 2025, 10:10 AM)
i think we can stop thinking about the idea of "reduce interest as much as possible", bank also need earn money punya.. if you put max max how bank earn money from you?

conventional, semi flex, full flex you apply all of it, then you choose which ever the best suitable offer come to you.

most important now is get the rumahvip 1st
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Bank earn money or not is bank’s problem. Why you worry for the bank? If I have 300k. Even if I can cash buy a property I won’t. I’ll take max loan full flexi, and put the 300k cash inside loan account to offset interest. Because bank’s interest rates sure higher than FD. Unit trust got risk.

Who knows maybe suddenly got opportunity come up to buy neighbor’s unit for 200k cash because neighbor won lottery wanna sell his unit cheap cheap and migrate. Then you have the cash to immediately buy it.

When opportunity comes, no money no talk. Then you can only watch while the opportunity go to other people.
TSken431256
post Jan 5 2025, 11:37 AM

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QUOTE(woolei @ Jan 3 2025, 10:10 AM)
i think we can stop thinking about the idea of "reduce interest as much as possible", bank also need earn money punya.. if you put max max how bank earn money from you?

conventional, semi flex, full flex you apply all of it, then you choose which ever the best suitable offer come to you.

most important now is get the rumahvip 1st
*
Yes applied ady, paid booking fee and she helped me with my application on the website as prev. my documents rejected cuz surat sumpah not signed.

Now JWP status under Semakan Urusetia 😁


QUOTE(Jason @ Jan 5 2025, 03:12 AM)
Both. Max loan margin and max tenure.

Rumawip… unless location is king I won’t bother. Don’t buy because it’s cheap. Buy because its good.
Bank earn money or not is bank’s problem. Why you worry for the bank? If I have 300k. Even if I can cash buy a property I won’t. I’ll take max loan full flexi, and put the 300k cash inside loan account to offset interest. Because bank’s interest rates sure higher than FD. Unit trust got risk.

Who knows maybe suddenly got opportunity come up to buy neighbor’s unit for 200k cash because neighbor won lottery wanna sell his unit cheap cheap and migrate. Then you have the cash to immediately buy it.

When opportunity comes, no money no talk. Then you can only watch while the opportunity go to other people.
*
Location's in bukit Jalil at the very edge or border there, beside Kinrara Mas 😁

I have a question, if max loan and max tenure I would be paying more interest technically as it's longer duration, correct me if I'm wrong?
woolei
post Jan 6 2025, 09:56 AM

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QUOTE(Jason @ Jan 5 2025, 03:12 AM)
Both. Max loan margin and max tenure.

Rumawip… unless location is king I won’t bother. Don’t buy because it’s cheap. Buy because its good.
Bank earn money or not is bank’s problem. Why you worry for the bank? If I have 300k. Even if I can cash buy a property I won’t. I’ll take max loan full flexi, and put the 300k cash inside loan account to offset interest. Because bank’s interest rates sure higher than FD. Unit trust got risk.

Who knows maybe suddenly got opportunity come up to buy neighbor’s unit for 200k cash because neighbor won lottery wanna sell his unit cheap cheap and migrate. Then you have the cash to immediately buy it.

When opportunity comes, no money no talk. Then you can only watch while the opportunity go to other people.
*
no la, what i mean is nor matter what bank loan you take, the different is very in-significant (1-2% gap compare to fd)
secure the RumahVip 1st is higher priority, nor matter what loan u get (semi or full flex) u also untung from the rumah d.
woolei
post Jan 6 2025, 09:57 AM

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QUOTE(ken431256 @ Jan 5 2025, 11:37 AM)
Yes applied ady, paid booking fee and she helped me with my application on the website as prev. my documents rejected cuz surat sumpah not signed.

Now JWP status under Semakan Urusetia 😁
Location's in bukit Jalil at the very edge or border there, beside Kinrara Mas 😁

I have a question, if max loan and max tenure I would be paying more interest technically as it's longer duration, correct me if I'm wrong?
*
okay, good luck yo. kinrara mas area nice place la, hardly go wrong.
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