HSBC as well will give BLR-2.3 if above 300k
Latest mortgage rate for housing loan packages, All Mortgagers are welcomed to post...
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 Sep 7 2010, 02:47 PM
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Senior Member
8,739 posts Joined: Aug 2009 
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Sep 7 2010, 02:48 PM
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Senior Member
4,526 posts Joined: Mar 2006
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cimb still the worst for home loan..
loan below 200k blr-1.6 took 80% -0.1 took mrta -0.1 best you can get is blr-1.8 |
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Sep 7 2010, 03:26 PM
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Junior Member
35 posts Joined: Jan 2003
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my loan has been approved, blr -2.2%.
Can I request a copy of offer letter from the banker for review before signing? |
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Sep 7 2010, 04:49 PM
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Junior Member
7 posts Joined: Sep 2010
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yes, u can request andthey will give u, normally they will prepare 3 offer letter, one for u to keep, u can review it before signing
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Sep 7 2010, 04:53 PM
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Senior Member
4,440 posts Joined: Jan 2010 From: Kuala Lumpur 
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QUOTE(innocent_girl @ Sep 7 2010, 03:26 PM) my loan has been approved, blr -2.2%. U will get the document and the offer is valid for 7-14 days before the offer becomes null & void.Can I request a copy of offer letter from the banker for review before signing?  |
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Sep 7 2010, 07:49 PM
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Junior Member
58 posts Joined: Oct 2009
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QUOTE(samirah2009 @ Sep 7 2010, 01:18 AM) BLR - 1.9% MOF 95% inclusive of MRTA, Legal Fees & Valuation Fees Tenure up to 70 years Kind regards [Amira CIMB Bank] [012-2142040] BLR - 2.1% for RM351k - RM500k BLR - 2.2% for RM500k and above. Normal rate BLR - 1.7% ..  Added on September 7, 2010, 9:05 pm QUOTE(JamesPond @ Sep 7 2010, 02:48 PM) cimb still the worst for home loan.. James, every bank offer their home loan with competitive rate which doesnt mean that they are the best. You better check the terms and conditions 1st. Sometimes, bank offer blr - 2.2% for the 1st to 3rd year. For the next 4th year is blr - 1.5%. There are pros and cons. So, feel free to check it out yeah.loan below 200k blr-1.6 took 80% -0.1 took mrta -0.1 best you can get is blr-1.8 ..  This post has been edited by samirah2009: Sep 7 2010, 09:05 PM |
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Sep 7 2010, 09:29 PM
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Junior Member
308 posts Joined: Mar 2009 
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Hmm..i still dont know which bank loan suits me..
BLR or fixed for whole tenure? Dont plan to sell off this property in a short period.. if BLR keep increasing, then hard to keep up.. but if pay the fixed rate, means i need to start pay high interest start from now.. |
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Sep 7 2010, 09:42 PM
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Senior Member
8,739 posts Joined: Aug 2009
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QUOTE(childish_gal81 @ Sep 7 2010, 09:29 PM) Hmm..i still dont know which bank loan suits me.. Get what you can afford to pay with your current earning.BLR or fixed for whole tenure? Dont plan to sell off this property in a short period.. if BLR keep increasing, then hard to keep up.. but if pay the fixed rate, means i need to start pay high interest start from now.. |
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Sep 7 2010, 10:00 PM
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Junior Member
308 posts Joined: Mar 2009
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but how bout in long run? if now ok, then BLR keep increasing, very hard to keep up..
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Sep 7 2010, 10:20 PM
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Junior Member
58 posts Joined: Oct 2009
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QUOTE(childish_gal81 @ Sep 7 2010, 10:00 PM) but how bout in long run? if now ok, then BLR keep increasing, very hard to keep up.. The highest blr in malaysia ever has is 12.27% in 1998 which ppl knows there were crisis on m'sia economic. You can try islamic package which capping blr to 10.75%. You have to take a risk to get something valuable right. So think it and get it....  |
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Sep 8 2010, 12:22 AM
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Junior Member
15 posts Joined: Mar 2008
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It actually depends on the customers profile or financial status b4 the banks will decide whether to give BLR - 2.2 or not. Therefore, some customers whose profile or financial status who is not that good might get the loan approve, but with the lousier rates.
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Sep 8 2010, 01:38 AM
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Junior Member
87 posts Joined: Aug 2005
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QUOTE(childish_gal81 @ Sep 7 2010, 09:29 PM) Hmm..i still dont know which bank loan suits me.. Ocbc now with 300k loan fixed 1st 3 yrs is 4.15%. Highest fixed now is 4.4% by RHB and scb 4.3%. Still within range of blr-2.0% to -2.15% range. I would say still good offer. If you say pay high interest, depends on your perspective.BLR or fixed for whole tenure? Dont plan to sell off this property in a short period.. if BLR keep increasing, then hard to keep up.. but if pay the fixed rate, means i need to start pay high interest start from now.. I ever qoute you a package? |
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Sep 8 2010, 02:50 AM
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Junior Member
93 posts Joined: May 2009
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aia fixed 4.99!!! its the best
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Sep 8 2010, 08:33 AM
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Junior Member
308 posts Joined: Mar 2009
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Hi wiltz,
thanks for the reply.thinking to get this fixed for 3 years plan.at least these 3 years,dun need to worry for blr increase.. But 3 years later,the rate will be lousier la..hehe.. So all got pro n cons. |
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Sep 8 2010, 08:42 AM
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Senior Member
8,739 posts Joined: Aug 2009
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Think positivite 3 years later you will earn more than now.
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Sep 8 2010, 01:45 PM
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Junior Member
203 posts Joined: Jul 2007
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When I ask the Banker for loan that time already ask them to check whether my subsale house can get the mention price valuation or not. They say Yes. And the Loan Offer letter has send to me. Izzit will have case like later the proper valuation (which need to pay) done by Bank say cannot get the amount, then need to revise the offer loan again?
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Sep 8 2010, 02:48 PM
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Junior Member
161 posts Joined: Jan 2006
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adsdd vdfg
This post has been edited by me_1980s: Sep 8 2010, 04:32 PM |
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Sep 8 2010, 02:50 PM
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Junior Member
34 posts Joined: Jun 2010
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QUOTE(dedade @ Sep 8 2010, 01:45 PM) When I ask the Banker for loan that time already ask them to check whether my subsale house can get the mention price valuation or not. They say Yes. And the Loan Offer letter has send to me. Izzit will have case like later the proper valuation (which need to pay) done by Bank say cannot get the amount, then need to revise the offer loan again? yes.it may happened always when valuer go for inspection and the property doesn't look like the condition whereby different from verbal confirmation by banker/agent. it will be affected and your loan will be cancel and revised the loan amount. It do depend various bank t&c. Added on September 8, 2010, 2:52 pm QUOTE(me_1980s @ Sep 8 2010, 02:48 PM) Hi all, u work in legal firm ?I'm offering this service to anyone who is interested in purchasing a property and obtaining a loan. The legal fees for both are regulated by the Solicitors Remunerations Order and it's PROHIBITED not to give any discount. However, I'm able not to do so and I'm not able to post the 'ahem' amount here as it's directly contravening the Order. But I believe everyone here knows the market well enough when comes to property transaction. The site here:calculator is just to give u guyz a brief idea on how much would it cost to purchase n obtain loans (for non-fmc ). For further 'privileges', u guyz can always PM me for free quotation and I'm glad to do so to negotiate until an agreed price. Bankers are welcome too for free quotation. Regards, me which legal firm ? which panel bank ? This post has been edited by jimmylim.uob: Sep 8 2010, 02:52 PM |
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Sep 9 2010, 12:41 AM
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Senior Member
943 posts Joined: Oct 2004 From: K.Lumpur, Subang 
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can i know which bank's full flexi home loan doesnt have utilization fee?
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Sep 9 2010, 09:22 AM
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Junior Member
87 posts Joined: Aug 2005
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All the banks have utilization fees or maintenance fees on flexi loan. Unless semi flexi.
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