My loan was obtained last year when rates were still quite good. Rates have dropped since. Plus i got my property evaluation waived, no MRTA, no insurance (as paid on my own), 3 yrs lock in, 3% early settlement penalty. BLR-2.3% for whole tenure. Flexi loan with OD.

sometimes, it is a risk to take.. either to take a fix -BLR plan for whole tenure
or take the first few year cheaper... then a fix one after that....

Yes if there is a big difference. At that time i worked out many different options with different banks. The best seemed to be BLR -2.3% for the whole tenure. Anyway, my loan period os only 15 yrs so not much risk there. If the rates go up too much, ill pump in some liquid cash and settle the entire loan.

you cant get -2.3 anymore...

Yes i dont think can get anymore.

for property >500k, yes it can

My property was RM 470K last year when i bought it.

So what is the rate now?
-2.0? for 150k?

guess 150k will be around -1.9 or a little higher... just got mine for -2.25 on >500k. Make a few call to the banks' officer, think they will be more than happy to give u a rough estimate on the market rate.

What were your terms and conditions PKY? Loan tenure, MRTA, Insurance, lock in period, early settlement penalty, etc

I just bought a condo at mont kiara and needs financing. I heard OCBC is offering BLR - 2.3% with 5 yr lock in period. Not sure whether this rate still exist. BTW any bank offer any better rate than this.

Yup latest promotion. Jus contact me and let me know when you're free to meet up so I can help with your application.

i bought one service studio in June.. checked few banks, the best can offer me BLR - 1.9 only, no lock-in, 90% loan..

as far as i knew,, -1.9 is the highest rate that bank could offer to service residence.. is this true? ... i bought the unit at 592K.. FH.

Which condo did u buy?

when you apply the loan?

hi, i wanna know, i wanna refinance my low cost flat, but the snp there is joint name, under my mom and my name. it is fully paid

can i refinance it and take the loan under my name (my mom is no longer working)

Which serviced studio is this? under construction or subsale?

hi guys, will like to clear out some confusion here.

ok, the property i'll like to buy is RM330k.
So basically deposite is RM33k.
LEgal n S&P n loan agreement total about RM15k.
MRTA put into loan.

So, currently i onl have 40k cash in hand. If total deposite is 33k + legal,snp,loan agreement is 15k. Total i need to have is RM48k on hand?

any option? my thought is i'll like to withdrawn from my KWSP as well as my partner. but, issit enough time to get money before pay off Lawyer fee,snp and L.A?

BLR - 2.3% still available in OCBC Bank.

Do contact me for further details ...

Alan @ 016 5988 379

I can arrange the time for further explanation and submission.

First come First Serve

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Added on August 10, 2010, 3:11 amIt is non zero moving cost but the legal fees, stamp duty and valuation fees can be financed into the loan on top of 90%.

There r Semi Flexi and the early settlement is 3% of loan amount.

The available tenure can up to aged 65 years old and for diploma holder above , tenure can up to 70 years old(aged must 21-35)

The BLR -2.1% WHOLE TENURE FOR LOAN >200K & BLR-2.3% WHOLE TENURE FOR LOAN >300k are still available and it's LIMITED.

Do contact Alan @ 016 5988 379 for further info and submission.

TQ

This post has been edited by AlanPang: Aug 10 2010, 03:11 AM

alan,
what about loan > 150k
what can you offer?