Which bank gives highest Payment to Income Ratio ?

me too

Just got call from Standard Charted Officer.....They have rejected my HomeLoan application....

Property Sale: Rm362,000
Loan:325,800
Location:Alam Sari Area- Bangi/Kajang
Reason: Too many auction house area Bangi/Kajang....

i m quite shocked about their reason.....ayoyooo....is it true??....

Hi Roy,

Intertest to know the available home loan package for 2 second hand condo:

Purchase price :RM200k
Type: Condo, Freehold
Loan years : 30 years.
Loan amount: 90%

Which bank offer the best fixed rate now? any more Zero entry cost?

Thanks~~

Hi BRAIBRISE,

PM'ed you already.

Hope to hear from you soon.

Regards,

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Added on April 2, 2010, 1:50 amForeign bank usually more choosy about the properties they finance.

However I recently got my customer's Standard Charted loan approved for house in Tmn Kajang Impian, Bdr Baru Bangi.

So I'm not sure why yours was rejected.

Regards,


This post has been edited by R o Y: Apr 2 2010, 01:50 AM

Hello, pls assist here
Type: Double storey terrace
Location: USJ
Cost: RM400k
MOF: 80%
Loan: RM320k
Tenure: 25 years

I need to find out:
- Bank with the LOWEST BLR
- Bank with the LOWEST overall payment
- flexi / semi flexi
- Legal fees, current account fees, etc...if any

Many thanks in advance.

Chartered Bank offerred refinancing BLR-1.8 cap for 5 yrs or BLR-1.6 cap for 3 yrs. Penalty 3-5%. Still think think whether to extend the loan. Sick n tired of this lousy bank service.

Hi,

Price: 580k
Area: Semi D, Bukit Tinggi Klang (subsale)
Tenure: 30 years
MOF: 90%

Preferably flexi without MRTA

Hi, im planning to re-finance my existing home-loan but not sure whether its worth or not.

Current TL is with Maybank without amount around 200k with MRTA. The prescribe rate is current at BLR +0.35% for 3 years and thereafter BLR +0.25% for 5 years. After that it will be charged at BLR +0.00% until full settlement of loan.

The spicific TnC:
Early settlement fee of 1.5% if the loan is settled within 5 years from the date of full loan realease(starting 2007, still within the time-frame)

May I know what does this specific TnC means? Is it the bank will charge 1.5% of the outstanding loan(current at around 200k), which is RM3,000 if i going for re-finance right now?

Does it worth to refinance at current rate of interest?
Pls advise by PM me.

Thanks a lot

lousy bank service?? Bro, u have no idea what u call lousy service is.........i signed up refinancing package with this eonbank Jun last year, yeah is JUNE LAST YEAR !!!

until today its still in process, more than 9 months and they tell me still in process. I have to called up their internal department myself to find out what is the delay,
called up the panel lawyer myself to chase for the thing myself. Called the bangsar branch numerous times, all they can give is those lame shtty answer.

Can u imagine when i called them up and asked them y it took so long to process, the answer i get is " I don't KNOW " !!!!????

That's what u call LOUSY SERVICE !!!!!!!

Hi Batunilam and Shanelai,

I've PM'ed you both already.

Hope to hear from you soon.

Regards,

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Added on April 4, 2010, 12:42 amHi Madman.com,

That sounds really bad. I believe the paperwork must be stuck somewhere, best person to advice you would actually be the lawyer. Did the lawyer inform you what documents were pending?

Some common issues:
1. Your current bank has not given them the redemption statement
2. The valuer has not sent the report to the bank
3. Assessment/maintenance fee statement not submitted

Feel free to contact me, I'll try to advice you if you can share more details with me.

Regards,

This post has been edited by R o Y: Apr 4 2010, 12:42 AM

Hi, pls assist me..

Price: 234k
Area: Condominium, Selayang (under construction) expected complete 2011
Tenure: 30 - 35 years
MOF: 90% - 95%
ZEC
Preferably flexi with MLTA
0% interest during construction

Hi Caineoff,

If you're buying under-construction from developer, then your choice of banks would be limited to the panel banks.

Which project is this and which banks are on the panel?

Regards,

hi roy,

thanks for prompts reply,

fyi this is symphony heights projects and according to the marketing agency they had mentioned a list name of banks such as ocbc,hong leong,rhb.But, i'm not to sure about others banks because they themselves said that my application will be sent to all the banks in malaysia through mortgage brokers.what i'm afraid is that, i think i will miss if some other banks provide best deal in town.Or, is it the best way is just leave to the developer to find a suitable home loan for me? tq.

If they've already submitted your loan to a few banks for you, jus wait and see what sort of offers come back and then choose the best.

PB offer me BLR-1.8%, 25years tenure, margin 85%+5%, semi-flexi for shop loan...any other banks got better offer?

SCB lousy not because of rate only lah bro, service too + junk smses promo this n tat ask u to spend spend spend.

Anyway, referring to your predicament, only one word to describe.

WOW!

That's Champion! Can ask them to close shop for good ... LOL

---

Added on April 5, 2010, 6:22 pmThanks for the offer Roy. Will keep you number.

Anyway, have decided to settle the outstanding v my epf and close the account for good with the apa-nama bank.

Banks are taking customers service for granted. So the only way is withdraw for good. We are small but we are many many. So dont fool around with customers in this internet age


This post has been edited by Bobby C: Apr 5 2010, 06:22 PM

ATTENTION ALL MORTGAGE LOAN BORROWERS!

DO YOU KNOW?
-When the BLR fluctuates, your housing loan will be affected in terms of repayment and tenure to be serviced.

HOW TO TAKE CONTROL?
- PM me for more details.

P/S: Only serious inquiries will be attended. Since housing loan is a serious money, I hope you treat your inquiries seriously too.

Thanks.

Commercial Loan package:

Type: 4 storey shop
Location: selayang
Leasehold with 80years left
Cost: RM900k
MOF: 80%
Loan: RM720k
Tenure: 20 years
Current tenanted 4800.

I need to find out:
- Bank with the LOWEST BLR
- Bank with the LOWEST overall payment
- flexi / semi flexi
- Legal fees, ZEC...

residential property project :

Type: single storey
Location: malacca
Leasehold 99 years
Cost: RM135k
MOF: 90% or 95%
Loan: 120k
Tenure: 25 years
about 85% ready but still constructcting

I need to find out:
- Bank with the LOWEST BLR
- Bank with the LOWEST overall payment
- flexi / semi flexi
- Legal fees, ZEC...

and the mrta thing, can i buy myself?