hye all...
need some help here..
i want to purchase a condo...but this will be my 1st time buying property..
so i have like 0% knowledge on this..
could some one care to help me out here?

The details:
Type: Condo
Location: Ara Damansara
Price: RM300 000.00
Spec: Basic original unit.rented to 1 tenant.
My Salary: min take home pay rm7700
Age: 24y.o
juz applied one bank islam CC...

could someone advice me on d best bank rate?how do i get start?
all bankers are welcome to PM me...
much appreciated..

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

What's your loan amount?

150k

ure 24 yrs old and ure earning min RM7,700? So whts your average earnings? What kind of job is that?

look at his avatar can see he is a pilot gua

Hi,

I received an offer from OCBC.
They said is a special offer.

Loan Amt : 240k
Interest : BLR -2.1%

Is it recommended? What else I should take note?

What's the lock in period and who pays for the legal fees?

from previous posts, the norm is BLR-2.2%
u might want to recheck with OCBC

Any OCBC loan officers can confirm?
Cos so far, I asked 2 person, both of them said the same.
BLR-2.1%

what about mine...blr-1.8 150k cimb

Can try HSBC. They might give BLR - 2.2 depend on the amount.

Yes im a pilot..
So anyone
care to help me out here?

you can get the loan...no worry.

its not bout either i can d loan or not bro..
its bout d whole process of it..
this is a big thing for me, so i wanna plan carefully..

Lock in period 3 years..
Legal fees we need to bear..is it normal?
If we buy second hand condo,is it normal to pay for valuation,bank legal fees,s&p legal fees,stamp duty..what else?
Appreciate some advice

Lock in period 3 years..
Legal fees we need to bear..is it normal?

Yes it is normal

If we buy second hand condo,is it normal to pay for valuation,bank legal fees,s&p legal fees,stamp duty..what else?

yes it is normal to pay all that you have mention. You also need to pay legal fees for the lawyer that you hire + some misc charges.

fainted..any idea how much I need to allocate for all these charges?

u are right...
they give only blr -2.1%

if u are above rm300k above. they give u blr -2.20%

we know it long time ago..

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Added on August 17, 2010, 9:05 amyou can give me your contact..
i can help u pass to all my fren who work in local bank..
any bank i also have fren..

foreign bank seldom do loan below 100k..

This post has been edited by jimmylim.uob: Aug 17 2010, 09:05 AM

i already consult most of d bank..
seems like most of d banks now offer -2.2% from blr...
publicbank,uob,ocbc n etc..

so how to choose now?
there must be some element/s that differentiate all this banks..