of cos u can nego with RHB. but they sure will extend the lock in period since u want to get better rate.
else refinancing , u can get extra cash out.

Pjusa, refinance within the same bank I don't charge cos even normal mortgage I don't charge. You can refinance to some other bank for better rate. But that also need to depend on how many years left in lock in period, then how much is the penalty if refinance to another bank, plus new legal charge if refinance to another bank. If all factors include and you think its considerable, by all means do it.

Even negotiate rates I can do but your loan still within lock in so RHB won't entertain. Normally, case like you, I will charge - difference percentage of old rates and new rates X total loan amount. Not everyone willing to pay that. =)


edited by b00n: Removed all the stupid "You got PMed!"
advice: this is not you personal selling thread. Even our sales section doesn't allow "You got PMed". PM is known as "Private Message" so keep it PRIVATE!

This post has been edited by b00n: Sep 6 2010, 04:59 PM

wilz,

u pmed those with >200k , y never pm me?

Name: -as is-
Contact Number: tba
Property Address: f5l2, fuschia block, selesa hillhomes resort, bkt tinggi, bentong, pahang.
Type: 3r2b apartment, serviced n guarded.
B/up: 1240sqft
Property Price: 162k
Margin: 90%-100%
Ideal Interest : blr-2.2% or fixed 1-3/5yrs
Tenure: 40yrs
MRTA/MLTA: mrta (to finance)
Legal Finance: ZEC or to finance

---

Added on September 2, 2010, 3:41 ami hv similar experience (at lower LA)
they wont bother even u request. they only stretch ur tenure to your desired repayment amount. my rate was blr(6.75)-0.78% last time n when blr drop to 5.55% i request to match the rate to currently offered. they lowered my repayment but the rate didnt change at all. felt like being conned by RHB right in my face!

better change bank. saving gain minus penalty amount is what u need to calculate. at least BSN got HAPPY BSN HOMELOAN with ZEC - as simple as Balance Transfer.

just my 2cent.

This post has been edited by yuszairi: Sep 2 2010, 03:41 AM

wilz,

u pmed those with >200k , y never pm me? 

Name: -as is-
Contact Number: tba
Property Address: f5l2, fuschia block, selesa hillhomes resort, bkt tinggi, bentong, pahang.
Type: 3r2b apartment, serviced n guarded.
B/up: 1240sqft
Property Price: 162k
Margin: 90%-100%
Ideal Interest : blr-2.2% or fixed 1-3/5yrs
Tenure: 40yrs
MRTA/MLTA: mrta (to finance)
Legal Finance: ZEC or to finance

Pls don't misunderstand me. Less than 200k also I will do, just that your property is out of klang valley and selangor. The loan need to be done properly with pahang branches. If you want my opinions I still can share with you. Cheers!

Is It true that different Bank will have different Valuation of the house? The different is very big 40k-50k

Property Address: Armanee, damansara damai
Type: duplex condo, intermediate unit
B/up: 1645sf
Sales Price: 320K
MOF: 90%
Tenure: 30yrs
MRTA/MLTA: tba(joint application)
Legal Finance: ZEC or tba

Dear Dedade,

It should be more precise to say that each valuers of banks MIGHT provide different valuation for a unit. It is crucial to note that you must provide all the important details to bankers or consultants when you intend to buy a house which has a comparative higher price than its neighbors. Renovation details, costs, furnishing will heavily boost a unit price. Consider that you provided full set of details to Banker A while ntg for Banker B, definitely, Banker A will come back to you with a higher value while the latter will be poorer as the valuation will be done with assumption that it is a standard unit (bare unit, totally kosong with ntg)

Normally, there will be only a gap of 10~20k difference among the results yield by valuers. If more than that, there might be either (1) an inconsistent of information that you provided to different banks or, (2) simply, the bankers do not tell much about valued added features of your property to the valuers, or, (3) the valuers do not take into account of renovation details.

Hope it clarify your doubt. Thanks.



This post has been edited by home_save: Dec 19 2010, 11:33 PM

Chris,
Can u check and tell me what seems to be the problem with this condo: Pelangi Indah, Jalan Ipoh. Seems that most banks not providing loans for this condo. Its already 15 yrs old and a friend of mine is trying to purchase from the 1st owner.

Hi bankers,
Please quote me the rate for the following:

Property price: 518k
Location: Taman Putra Prima, Puchong
MOF: 90%
Expected completion date: July,2012
MRTA: no need
Type: 2 storey link house 24*65
Legal fees: ZEC or tba

Did u bought the grd floor unit? My frens dad selling his unit 330k complete signature kitchen kitcab etc...

Hi


If my budget is RM1200/mo, What is the price of property I can afford? Repayment period is 40 years if possible.


Thanks

This post has been edited by mutt: Sep 3 2010, 02:47 PM

my loan for a condo in KJ area juz been approved..
d loan is for 330k(90% loan)...n i got BLR-2.3% for d whole tenure..
but d lock in period is 5 years(which i dun mind since im goin to stay in tht house)...
its from OCBC bank..
mayb u guys shud giv a call to any bankers offering d same deal..
i think its d best deal in town for now..
cheers!

2.3% is awesome..

i manage to nego with the Maybank up to 2.2%
but the loan not approve yet.

U can nego higher with Maybank. Depends on who ure talking to. If u talk to the small agents then chances are limited. Go higher up to the Managerial level.

Hi, Mohd. Hafeez Muttaqiin,

if Your budget is RM1200/m. The Price of Property U can afford is approximately 300-330k, For 40 years Tenure.

However, the loan approval is alway depend on your financial statement.




Please let me know if you do need help in getting a homeloan. Thanks.

Regards,

Axtan, Ong
Lead Mortgage Consultant
Home Save Mortgage Consultancy
+6 017 5500905

maybank offer me -2.2% but 95%loan...
all other details are d same..so which is better?
ocbc or maybank?

you know ppl in the higher level? can intro to me? Thx

Anyone can advise me?


My house to buy detail is:

Type: Flat (700 sqft)
Location: presint 9, Putrajaya
Price: RM~135k
Plan: 90% Finance with good BLR rate
Income: 2.5k monthly

1) which bank provide best package?
2) Also what things I need to provide to the bank?

TQ in advance

r5th

How come you know my full name? lol

Can you tell me which bank offer the best rate? I prefer Islamic loan. And also please let me know if there's any bank offer a zero moving cost plan.

Hi Mohd. Hafeez Muttaqiin,

You had post the same question in our facebook, and your name is writen on ur facebook, that is why i remember your name. ^^

Come to your question, we do have service provided Islamic loan, currently the best Islamic loan is BFR -2.1 to -2.2.

In the market there is still left a few ZMC ( Zero Moving Cost) plans, however, we do not encourage customers to take the ZMC plan, because ZMC has higher interest rate compare to the non-ZMC plan, and when you calculate back, customer can save more when taking non-ZMC plan.





Please let me know if you do need help in getting a homeloan. Thanks.


Regards,


Axtan, Ong
Lead Mortgage Consultant
Home Save Mortgage Consultancy
+6 017 5500905


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This post has been edited by Axtan_home.save: Sep 3 2010, 10:48 PM