Hi, I'm looking for a home loan with decent rate. Preferably ZEC package.

If you have any good offers, please do PM me the basic info asap.

Details as follow:
Property Type: Condominium
Location: PJ Area
Loan Amount: RM322,200
Loan tenure: 30yrs

Thx in advance!

Went to maybank yesterday....No more 3years 3.75% fixed rate.....currently 4% fixed rate for 3years, then B-1.8% for the following years........

This post has been edited by omels: Mar 21 2010, 08:38 AM

Hey, all. Need yr kind advise.

Loan amount: RM250K
Loan tenure: Either 25 or 30 years
Type: Double Storey

Which bank has the best deal or any agent can help me out? I treat u teh tarik & roti canai..

Hi all,

Please help me out here. Foreigner investing in JB property.

Type: 2 storey unit under construction; completion by this year
Cost: RM540K
Loan amount: 85% of property cost
Loan tenure: 20 years

So far, this is the loan package i've gotten from other agents -

1) BLR - 2.1% (Flexi)
2) 1.88% (Fixed for 1st year); Second year BLR - 2.0% (Fixed for rest of the loan tenure)
3) 4.99% (Fixed)

Can anyone please advice which package should I take up? If there are better ones out there, please kindly share with me.
Right now, I'm also stuck between taking Flexi or Fixed loan. The fixed loan may seem higher right now than Flexi, but I believe that the BLR will rise in no time within the next few years and it might end up being higher than the fixed %?

Can anyone help and advice? You may contact me directly at desireeyeo86@gmail.com. Thanks!

Hi uglychickenpie,

Depend on your holding period.

If you plan to buy, keep for 5 years, then sell for capital gain then you should take no 2 (From SC Bank I believe?)

If you plan to make in your permanent home and stay for 15 years or more then you should take no 3 (From AIA/ING?)

Regards,

Hi everyone,

Need your advice/help on the best loan packages available, especially in light of the recent rate changes.

The property is a leasehold condominium (2nd hand) in the Petaling Jaya area.
I am looking for a loan of about RM275k, which works out to almost 90% financing.
Tenure about 20-25 years?

As I'm a newbie, please advise on all the possible things that I should know.

Many thanks in advance, I'm so confused right now

Hi Roy,
What is the difference in interest if the loan is lower than RM150K? I am looking at 2 apartment in USJ1 area which both around RM100K only. What is my loan package will be like?

Which bank still offer low first year interest rate like no 2)??!! I went to SC bank, the banker told me they are not offer this type of loan anymore.

Maybe BLR-1.5%. But if you're lucky might still get BLR-1.8

hi sifus out there... i am a newbie a need sum help and pov...

price : 135k
loan : maybe 90%
tenor : 20 or 25yrs

thx

got it thx

You can call my friend Kelvin from HSBC damansara Branch. they offered quite an attractive rate. He can be contactable @ 016 3438158. Good luck..

Hi...I am newbies here and need help urgently....

Price: 320k
Tenure: 30 years
Loan: 90%
Type: Double story link house (2nd hand, least hold)
Area: Serdang

Which bank gives the best loan rate? What are the processes (if possible, please break down) and how much $$ I have to get ready for all the legal / processing fees).

hi guys,
need some help to get a home loan that suite me.


price: rm 1.00m
loan : 80%
tenure : 30yrs
type: second hand condominium(free hold)
location: penang gurney drive

looking for flexi type which allow me to full settle hopefully within 5-7yrs later without penalty.
which bank have best offer? with zero cost entry?

also wanna ask should i buy MLTA or term?

This post has been edited by genkis3: Mar 25 2010, 03:48 PM

Hi genkis3,

Wish I could help you with your application but I'm actually based in Klang Valley.

Regarding Mortgage Insurance, its better to buy MLTA as the protection is maintained and you can get back an amount more than what you've paid after certain number of years. So effectively the insurance coverage is FREE.

For MRTA, your protection is reducing and if you sell or refinance, then the money you get back after canceling the policy is very minimal.

Feel free to PM me if you have any further questions.

Regards,

---

Added on March 25, 2010, 7:26 pmHi genkis3,

PM'ed you already.

Hope to hear from you soon.

Regards,

This post has been edited by R o Y: Mar 25 2010, 07:26 PM

Hello all the sifus out there, I'm looking for any banks which offer the best rate.

Property Type: 3-Storey Terrace
Loan Amount: RM 430k
Tenure: 30 Years

Big thanks in advance!

Harlo sifus, Need some suggestion & help

Price: 192k
Tenure: 30 years
Loan: 90%
Type: apartment
Area: kepong baru pearl vista

Pls suggest me which bank able to offer best rate...i really headache because i dun understand how to calculate the loan ...TQ

This post has been edited by swmung: Mar 25 2010, 10:34 PM

hi guys

need some help to get a home loan that suite me and some suggestion.


price: rm 150k
loan : 90%
tenure : 30yrs
type: second hand double sty link house (free hold)
location: seri kembangan

hi RoY,
didn't received your pm.

thanks anyway for help!

Hi guys, helping a friend out here... can someone provide me with some home loan suggestions thanks. However am working overseas

price: Max rm350k
loan : 90%
tenure : 25yrs / 30 yrs
type: double storey terrace / condo(free hold)
location: Klang

Thanks