actually what is this zec?

nice 

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~~

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??....

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, 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 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.

Got my loan offer today!

OCBC Bank
Tenure: 30 yrs
Loan Amt: 200k
Interest Rate: MLR-0.75%

Hey! I'm thinking to purchase a property and the agent told me that I'm required to pay property valuation. What does it mean by that? Can anyone explain in simple terms

Need to pay RM20K for the valuation!

ok, let say the property price is RM400,000. i'll just need to pay RM40,000 to the agent/owner right?

as for the property valuation, how much would that be usually? and i need to pay the bank? meaning i'm paying more than 10% of that property i'm purchasing?

i always thought that i need to pay 10% + lawyer fees. i'm new to this area. sorry and hope you can explain. thanks!

Hi, I would like to get advise on housing loan.
Loan amount = RM288k, 30 years

Offer 1: -2.1%, lock in period 5 years.
Offer 2: 1st - 3rd year -2.3%, 4th - 5th year -1.3%, thereafer -2.3%, lock in period 3 years.

Which offer is better?

Thanks

after some survey, i found that EON bank offer quite an attractive loan package as below.

1st. BLR-1.9 ---> 3.9%
2nd. fdr (2.75)+1.15 ---> 3.9%

according to the loan officer, the 2nd option is better as the fdr rate wont increase as much compare to BLR.

is this true?

Some of the bank do offer approval in advance without booking receipt. You may request the property agent to add in condition to refund the down payment if couldn't get the loan approve.
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hi all, need bankers for adv, want to take 500-600k loan how much would my salary need to be? is it 47% of annual salary minus all the other liabilities?
have 1 hs loan, 1 car loan currently. are additional income taken into account as they add up to total salary, e.g. variable allowance, commision.
from my understanding only 50% is taken into account.
having a co borrower. need rates, plans etc. feel free to pm me. thanks

Hi guys,

Would like to ask how much is the total costs incurred for a property worth 290k including legal fees, valuation for subsales property? Also, what is the best rate currently?
Tq.

Hi All,
Need some clarification on downpayment...

If lets say I apply loan for 85% from bank... and already paid 10% downpayment to the developer (for in-construction house)...

When should I pay the balance 5% to the developer... Can I wait until the house fully completed (with CFO) or should I pay immediately?

Regards,

Hi bankers,

Please quote me on

Price: 400k
Area: Penang ( Terrace House )
Tenure: 30 years
MOF: 90%
Please PM me your contact :

- Market available housing package
- Estimation cost for every documentation untill I move into the house.

Being qoate by HSCB

Full Flexi package BLR-1.8 whole tenuru by the banker in the bank... Non-Zero cost ..

Wonder is it good deal or not ?

Hi,
Can i get quotation for me & my friend?

As for me, I need a loan for my second purchase, apartment leasehold only RM81k (auction), already paid up 5% deposit.
I did try apply for CIMB but the officer is too slow, after 1 month still pending, too busy etc, not at all professional.
Therefore was hoping if I can get any quotation from you guys out there?i'm 31  this year maybe loan up to 25-3o years
Any type of loan which is best suit me?
Also for my sister's friend actually. She is 41 years old, would like to purchase RM150000 property as well, wage is about rm1500 p/m
wondering if you guys can quote her as well too.

Kindly email me

Thanks in advance

i dont understand? hope can explain in details
tq

hi guys..i got a client who cannot proceed with loans because ctos n ccris status..anyone who can help me with this?pm me ASAP...

Can anyone quote me on

Price: 770k
Area: S.Buloh (Semi-D) Freehold
Tenure: 40 years
MOF 90%
current monthly commitment : 3.7k

Please PM me your contact & how much monthly net income needed to get approval, thanks.

Any banker here can help me on this?

I need to know how much I afford to pay for a condo.
I wish to pay around RM900-1000 for monthly installment, tenure is 30 years.

Anyone can quote me how much I can loan? I plan to buy a 230k-260k condo, MOF is 80-90%.

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?