is the maybank fixed rate tenure up to 10 years something exclusive from maybank? or, other banks doing it too?
Latest mortgage rate for housing loan packages, All Mortgagers are welcomed to post...
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 Feb 1 2010, 03:55 PM
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3,188 posts Joined: Jul 2007 From: A place called "home"  
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Feb 1 2010, 06:50 PM
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2,663 posts Joined: Feb 2008
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QUOTE(audy @ Feb 1 2010, 01:47 PM) I took a fixed housing loan under the islamic scheme at 7.5% abt 5 yrs ago. At the moment I'm paying abt RM800 per month. A year ago maybe the staff is correct as you might still under lock in period. But now after 5 years, if your lock in period is end, refinance good as you can get BLR-1.8%= 3.75% only. Compare to 7.5%, you can save up alot. But also, you need to include the refinance cost also. Maybe you can pm me the detail of the bank,loan amount,tenure, lock in and the balance. I try calculate the amount for you. Is it possible to change to the conventional housing loan and will there be much difference in terms of savings? I visited my bank officer a year ago and she told me it is not worth changing as there is not much savings (like a few ringgit only). Somehow I'm not convinced with her answers. Pls advise...   |
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Feb 1 2010, 10:24 PM
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34 posts Joined: Jan 2010
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QUOTE(leongal @ Feb 1 2010, 03:55 PM) is the maybank fixed rate tenure up to 10 years something exclusive from maybank? or, other banks doing it too? every bank got their package, but mostly about the same, Fixed rate normally more expensive. If the rate high, refinance will be good. If save $$ more then RM50,000 why not? |
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Feb 3 2010, 03:22 PM
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11 posts Joined: Oct 2008
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any bank do argi land ? i have 2 case here , my banks (HLB & ALLIANCE ) doesnt do .
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Feb 3 2010, 03:52 PM
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Junior Member
136 posts Joined: Feb 2009 From: Kuala Lumpur 
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Yup, you can pass the applications to me.
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Feb 3 2010, 05:31 PM
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3,188 posts Joined: Jul 2007 From: A place called "home"
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is there anyway i can check my first drawdown amount from ocbc bank (besides calling my lawyer)? I called the customer service, they say they don't have access to the letter of advice.
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Feb 3 2010, 10:34 PM
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354 posts Joined: Jun 2008
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leongal, I also took OCBC. They sent me debit note when the first drawn down has been done on 12/1/10. I also follow up with my OCBC loans agent.
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Feb 3 2010, 10:56 PM
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Senior Member
3,188 posts Joined: Jul 2007 From: A place called "home"
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QUOTE(jarjar6666 @ Feb 3 2010, 10:34 PM) leongal, I also took OCBC. They sent me debit note when the first drawn down has been done on 12/1/10. I also follow up with my OCBC loans agent. Thanks. Can you remember how many days did it take for your first draw down after OCBC receive the letter of advice from the lawyer to release to loan? At least you got the help of your OCBC loan agent, I did it with a mortgage broker, he can't get the figure for me.... |
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Feb 3 2010, 11:27 PM
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Junior Member
354 posts Joined: Jun 2008
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The advice to release loan reached OCBC on 5/1 and the bank sent the cheque to lawyer on 12/1. About 5 working days.
This post has been edited by jarjar6666: Feb 3 2010, 11:28 PM |
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Feb 4 2010, 12:19 AM
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Senior Member
3,188 posts Joined: Jul 2007 From: A place called "home"
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QUOTE(jarjar6666 @ Feb 3 2010, 11:27 PM) The advice to release loan reached OCBC on 5/1 and the bank sent the cheque to lawyer on 12/1. About 5 working days. thanks jarjar6666 |
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Feb 4 2010, 10:24 PM
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Junior Member
9 posts Joined: Jan 2010
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Hi all,
May i know normally in what situaction the bank will reject our loan application? Please advice. Thanks. |
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Feb 4 2010, 11:11 PM
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Senior Member
3,188 posts Joined: Jul 2007 From: A place called "home"
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hi! I want to know if I can get the direct contact of an OCBC banker, without going through the customer service at 1300....?
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Feb 4 2010, 11:58 PM
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Junior Member
26 posts Joined: Nov 2009
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QUOTE(nyijin @ Feb 4 2010, 10:24 PM) Hi all, Our bank may reject under 5 common senarios:-May i know normally in what situaction the bank will reject our loan application? Please advice. Thanks. 1) income not substancial 2) Other loan's repayment not conducted promptly 3) suspect fraud document 4) Non-target property, which is either market value depreciated or geographicaly unfavourable 5) Individual under summon or proclamation of sales |
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Feb 5 2010, 12:31 AM
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Junior Member
31 posts Joined: Jun 2009 From: Johor Bahru 
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QUOTE(onnying88 @ Aug 4 2009, 06:42 PM) If you sure that you will be settle the loan in 1-2years, it's better for you to get zero lock in period package. Some do bank zero lock in package. But the legal fee have to pay by you, no zero cost package for it. Hi... Please help me for MRTA/MLTA proposal. Below my detail info.Or else, i think minimum of 2.5% from the loan amount will be the lowest penalty in the market. 2.5% x 350k = RM8750 Or some bank calculate the penalty base on outstanding amount. So maybe you can just pay whatever you have then the second year only settle the loan. It will reduce the penalty alot. But i'm not sure the T&C allow to do also or not. Have to check first. But some bank also have state as minimum of 2.5% or RM10k whichever higher like that. So do take note about that also before you choose this way. Total Loan: RM 192,000 Age: 27 Thanks |
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Feb 5 2010, 09:42 AM
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Junior Member
136 posts Joined: Feb 2009 From: Kuala Lumpur
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Give me your e-mail. I'll send you the quotation?
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Feb 5 2010, 12:54 PM
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Senior Member
2,663 posts Joined: Feb 2008
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QUOTE(olitabin @ Feb 5 2010, 12:31 AM) Hi... Please help me for MRTA/MLTA proposal. Below my detail info. Hi, plz check your Pm Total Loan: RM 192,000 Age: 27 Thanks |
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Feb 6 2010, 09:10 AM
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Junior Member
7 posts Joined: Feb 2010
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Business financial consultant
Term loan, Flexi loan, Islamic Financing.ReFinancing(SME BANKING) STANDARD CHARTED BANK ONLY Call: 012 4239797 TARGET= SHOP LOT, RETAIL LOT,OFFICE UNIT, FACTORY. (Investment or own occupied purpose buy under company or personal name) Contact me anytime for more information or free consultation! I would appreciate any recommendations that customer need loan from bank or refinancing for commercial property. |
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Feb 6 2010, 09:38 AM
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Junior Member
34 posts Joined: Jan 2010
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QUOTE(pekmolim @ Feb 6 2010, 09:10 AM) Business financial consultant at PJ branch is it? I got Lious le~ you know him ma Term loan, Flexi loan, Islamic Financing.ReFinancing(SME BANKING) STANDARD CHARTED BANK ONLY Call: 012 4239797 TARGET= SHOP LOT, RETAIL LOT,OFFICE UNIT, FACTORY. (Investment or own occupied purpose buy under company or personal name) Contact me anytime for more information or free consultation! I would appreciate any recommendations that customer need loan from bank or refinancing for commercial property.  This post has been edited by QQstore88: Feb 6 2010, 09:39 AM |
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Feb 6 2010, 10:27 AM
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Junior Member
118 posts Joined: Feb 2010
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QUOTE(QQstore88 @ Feb 6 2010, 09:38 AM) at PJ branch is it? I got Lious le~ you know him ma hi, i am looking for a loan for shop financing with ZEC? any recommendation? thx. |
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Feb 6 2010, 10:57 AM
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Junior Member
34 posts Joined: Jan 2010
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QUOTE(serdan @ Feb 6 2010, 10:27 AM) hi, i am looking for a loan for shop financing with ZEC? any recommendation? thx. pm  |
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