[WTA]HSBC Homesmart Homeloan
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 Jul 5 2010, 12:51 PM
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#1
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Junior Member
171 posts Joined: Sep 2008 
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I have one main worry when using this HSBC loan. If we use it for our regular daily expenses and everything, then won't the "loan statement" contain too many things? Later, when we use this loan statement for income tax subnission, will it be a problem? Can LHDN easily seperate the interest portion out?
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Jul 9 2010, 05:10 AM
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#2
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Junior Member
171 posts Joined: Sep 2008
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Hi,
I have a HSBC Homesmart Homeloan. The loan just disbursed last month. Now, receive notice that have to pay interest by certain date every month but no mention of total monthly installment. Does that mean I have to serve interest only?? |
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Jul 9 2010, 12:13 PM
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#3
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Junior Member
171 posts Joined: Sep 2008
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already full disbursements
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Jul 9 2010, 02:11 PM
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#4
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Junior Member
171 posts Joined: Sep 2008
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It seems you can make whatever payment amount as long as the minimum interest amount is paid monthly.
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Jul 9 2010, 11:15 PM
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#5
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Junior Member
171 posts Joined: Sep 2008
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QUOTE(AiRseaL @ Jul 9 2010, 04:15 PM) I am in condition like you,, however,, have to serve interest already 2 months due to 10k plus for legal fees nt yet release.. Any specific time frame for them to fully downdrawn the loan?? Yet to be charged fire insurance. Maybe later?Btw,, constant,, did you hav to pay annually the fire insurance with hsbc as well? I am still wondering if every one with a homeloan pay few hundreds for the insurance without getting back in the end.. Lets say i am paying 500 annually,, after 30 years will be 15k le..  Anyway, had a look at offer letter which clearly stated monthly installment of approx. rm2k. But, just received notice that interest charged will be rm1.4k. Called up call centre and was told that minimum have to pay monthly is rm1.4k. but letter offer say minimum monthly installment is rm2k. Confusing! Anybody can help? |
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