er.... i can give you my contacts if no other better offer

U managed to get BLR -2.2% from UOB for less than 200K loan? Thats good. Can anybody else confirm this?

Same here..I also want to know.. if possible to get BLR-2.3 or better whole tenure for my newly completed house at ttdi alam impian... i know ocbc can do that..BUT

1) I was told that my lawyer not ocbc panel..thus cannot apply loan...this sounds weird to me
2) ocbc is not naza ttdi panel banks so have to pay valuation fees (panel bank like maybank waves the fee) ..but now ocbc in the process being the panel for naza ttdi ..so problem 2 is solved..

How true is this?..especially point 1

mostly under-con project, the loan agreement side will give back to s& p lawyer to do. else u wont entitle for some developer promotion offer.
if your lawyer is not panel, he can apply ad hoc basic. but if he got problem with that bank b4. sure can't do anymore till the problem solved.

if the properties is completed, any bank also can do, no panel required for that, just mostly all bank require u to do valuation report to get the market value and it will affect your loan margin.
not all bank can get market value to match your purchase price if it is mark up too high.

This post has been edited by jimmylim.uob: Aug 25 2010, 03:23 PM

you can confirm with jimmy.uob...... free valuation as well. hong leong offers the same but above 200k and no free valuation..... i guess can't get better rate liao.. i'll submit docs for loan approval liao...

i called OCBC earlier... -2.3 if loan amount is higher than 300k

if loan 200k above for 2nd hand property (already built), do any bank now offer zero-cost which absorb the legal fee on loan agreement?

Thank you.

they are not absorbing, they just add it to your loan

Thx Alex for the reply.
Sounds like if below 300k loan, best is UOB to offer -2.2 with free valuation.

yea, looks like a gd deal, as the free valuation is worth at least RM400++

kuwait finance house offers ZEC

Yea.. Uob the best if you want free valuation. However, most of the bank also give legal fee and valuation fee to be finance into the loan. Still nothin comes out of your pocket for the loan. See how you look at it.

For free moving cost, u can try bsn! But kinda lousy to me.

hi,

How bout Citibank? Any review of the housing loan of Citibank?

Ctibank rates not competitive, package not so competitive and very strict in terms of criteria. Very choosy in terms of customers as well.

Anyway to get 100% or 95% loan from the bank for new development ?
!!! find very long liao...

Heard that Bank Simpanan Nasional is offering fixed rate 2.2%. Any fellow member familiar with this issues? What's the terms & conditions? Thank.

fixed rate 2.2%?? u must be kidding me..
any link to refer???

Affin just offered me BLR -2.3%... any comments?? how's their service... 'smallest' local bank wor...

This post has been edited by davegan84: Aug 27 2010, 09:18 AM

Sorry, should be BLR-2.2%
http://www.theborneopost.com/?p=59918

Salary 2.5k.

What is the max loan amount bank will approve?

hello guys,
i want to purchase a 2nd hand house.
cost: 220k
loan: 90%
loan tenure: 30 years
location: Kota Kinabalu
salary: 6k ( My wife and me )

1. can i get the loan based on the above detail? or i need to add another co-borrower?

2. which bank offer best interest rate for fixed flexi mortgage?

any banker can quote for me.

its not about ur salary bro....its all about liability
better walk into the bank n ask