Below 100K loan, - seems like very hard to get good rate
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 May 22 2008, 12:09 AM
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Junior Member
29 posts Joined: May 2008  
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QUOTE(Errie @ May 21 2008, 11:30 PM) I working in Standard Chartered Bank as a Mortgage Sales Executive yeah...less than 100k SCB is the best =) Recently the rate now is quite attractive. if u take NZEC loan amount < 100k i really can offered u BLR-2% FLEXI LOAN  Alliance Bank , Mortgage Sales Executive here...... =) |
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May 22 2008, 03:07 PM
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Junior Member
264 posts Joined: Jan 2003 From: -Virtu@l Re@lity-
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wow... seems like more and more Mortgage Sales Exec hanging around here? hehe... please publish current rate here.
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May 22 2008, 09:11 PM
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Junior Member
62 posts Joined: May 2008 From: KL
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Standard Chartered Bank
FLEXI LOAN ZEC 1st-5th yr BLR-1.65% Tthereafter BLR-2.00% The above rate is for 100k or above. The rate is still can nagotiable depends on the loan amount. NZEC BLR-2.00% throughout The above rate is for 40k or above. The rate is still can nagotiable depends on the loan amount |
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May 23 2008, 05:45 PM
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Junior Member
132 posts Joined: Nov 2005 
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i just came back from CIMB... The personnel told me:
fixed loan: i got my monthly installment amount. Extra payment can be made, but i re-use it back once it is put into the account. And it will reduce the principle, hence the interest will also be lower flexi loan: same monthly installment amount, plus a current account. Extra payment can be made and withdraw anytime. But the extra payment will only help to reduce the interest, instead of the principle directly, hence it wont help so much in saving the total amount i paid. is that right? suddenly i was lost... anybody can help? ----- sound like standard chartered bank does have a very competitive rate... Errie, which branch are you from? avg how long it takes to approve the loan leh from stand chard? |
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May 23 2008, 08:09 PM
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Junior Member
62 posts Joined: May 2008 From: KL
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QUOTE(...PS... @ May 23 2008, 05:45 PM) i just came back from CIMB... The personnel told me: Maybe he is a new executive? If u really feel confuse about flexi loan work. Do call me, i can explain to u. fixed loan: i got my monthly installment amount. Extra payment can be made, but i re-use it back once it is put into the account. And it will reduce the principle, hence the interest will also be lower flexi loan: same monthly installment amount, plus a current account. Extra payment can be made and withdraw anytime. But the extra payment will only help to reduce the interest, instead of the principle directly, hence it wont help so much in saving the total amount i paid. is that right? suddenly i was lost... anybody can help? sound like standard chartered bank does have a very competitive rate... Errie, which branch are you from? avg how long it takes to approve the loan leh from stand chard? |
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May 24 2008, 12:15 PM
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Junior Member
132 posts Joined: Nov 2005
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Errie, you got PM
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