hello there,

need quotation for best package on islamic loan

coverage 345 K
age 33
property : cheras - kajang
freehold
tenure : 30
takaful full coverage for 20 yrs
male
any possibility of an islamic scheme similar to those flexi scheme - let me know
open to offers from any broker or banker
not necessary CIMB or RHB (but prefer)

hey... i hope this doesnt sound silly.

let's say i'd like to buy an empty land that's about 200k. after that i'll start building it. estimating another 200k for building. that comes to about 400k.

so how should my procedure go? take loan from bank for the land first and then apply for a personal loan for the building of the house?

Hi, if i already sign loan with a bank. can i terminate it and choose another bank?

Hi everyone..

Just a question..If my parents included my name in their home loan of approximately a few million in order to extend the loan tenure, then does it mean I won't be able to get a home loan on my own anymore as obviously my commitment will be way more than my salary (RM2800). Does it mean that I'm doomed, even though in actual fact I have nothing to do with the property my parents bought? Please help! 

if can come out a table of calculation (example) for comparison between the bank, better still...for understanding.

all the sifus out there.... can anyone tell me where to find a calculator which is able to calculate for full flexi home loan? many thanks.

I wonder wats PBB offering.... since all my housing loan are from PBB, malas to diversify to other banks..
since -2.2 is a norm.. is ZEC also a norm? or bye bye ZEC liao?? 

onn: u still doing the half the mortgage calculation?

cimb only offer me blr-1.8
anyone got any offer from cimb better than mine? at this moment?

You didnt answer my question. I was told that if i buy a property and its in my name only and i dont take a MRTA and if i die, the bank cannot come after my wife or dependants. This is what i need clarification for.

What is the remaining amount is much less than the property value?

hello guys, just need some help on the calculation.. let say
1-3 yrs = 4.4%
Thereafter = BLR - 2.1%
Lock up period is 3yrs
Max. margin is 90% + 5% (MRTA)
Property price = RM500k
Here are my questions.

1. MRTA for 100% coverage on 450k is RM15k per person. if the loan is taken by 2 person and i want to both to have 100% coverage, then the MRTA is RM15k x 2 = RM30k. Am i correct on this? is it advisable to have 100% on both parties?

2. base on the above figures on the max margin. Max margin 5% (MRTA) refers to 30k x 5% = RM1.5k(this is the max amount u can add to your housing loan)? or i can actually ad the whole lump sum 30k to the 410k ending up 440k as the full loan figure?

can i know which bank's full flexi home loan doesnt have utilization fee?

Hi, may i know any bank can get housing loan below 100k?
the reason is i'm getting low medium cost house at RM80k.
so can't go for 100k loan.

location johor. Thanks

hello all,

is HSBC's homesmart only for direct purchases from the developers? If I buy a 'new' - as in never occupied house from a subsale, can I apply for homesmart?

then how come to cover any insurance in case anythin happen to you? mMm maybe noob quest here hehe.. sorry totally newbie about all this stuff..

yeap but then still need to pay for that rit?

much more than mrta

MRTA=Mortgage Reducing Term Assurance
An insurance where cover your home loan outstanding incase you pass away, where your family still can own the house without need to worry for the remaining installment to pull back by bank for lelong.
Not really a good idea as when you want to refinancing/purchase new house:
1. existing MRTA will be burn, the premium you paid just simply gone.
2. By then you need to purchase a new MRTA based on your elder age, premium is even more expensive.

MLTA is a better alternative as you still can hold it even you want refinance/buy a new house, you still can deposit the premium based on your current age. You may surrender the policy and get back the money to cover the remaining outstanding of your home loan.

BTW, please check your PM. TQ.