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Latest mortgage rate for housing loan packages, All Mortgagers are welcomed to post...
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kok_pun
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 Nov 2 2010, 09:23 AM
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QUOTE(Gundam84 @ Nov 1 2010, 01:26 PM) Hi, I'm eyeing on second-hand landed house valued at 400k. It's around 5 years old. Just a few questions that I would like to ask on mortgage rate, as well as others  1. May I know if there is any bank that will be offering 10% downpayment and 90% loan? Please PM me if you have too 2. If yes, what will the package looks like, I'm looking for 30 years tenure. 3. A bit out of topic, but how much will those legal fee cost approx? Thanks -first time house buyer- 1) you may get up to 90% depending on your property type 2) you may try a max 40 years period if you are a diploma/degree holder with 2 years in the workforce or 1 year in the same company 3) different lawyer charges differently, PM me if you are interested |
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Seremban_2
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Nov 2 2010, 10:25 AM
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QUOTE(Gundam84 @ Nov 1 2010, 01:26 PM) Hi, I'm eyeing on second-hand landed house valued at 400k. It's around 5 years old. Just a few questions that I would like to ask on mortgage rate, as well as others 1. May I know if there is any bank that will be offering 10% downpayment and 90% loan? Please PM me if you have too 2. If yes, what will the package looks like, I'm looking for 30 years tenure. 3. A bit out of topic, but how much will those legal fee cost approx? Thanks -first time house buyer- 1. All Bank offer that service. 2. Get a banker to explain to you. Home Extra introduce by Kok_Pun is an attractive package.  3. http://www.elawyer.com.my/legal_calculator_info.phpThis post has been edited by Seremban_2: Nov 2 2010, 10:34 AM |
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Arjuna27
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Nov 2 2010, 12:48 PM
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New Member
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Good Day
I am looking for attractive home loan package, I want to buy a house at Selayang Baru consider as second buyer
Loan= 95k
if posisble 100% loan
Quote me the monthly installment + legal fee + MRTA
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alexwsk
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Nov 2 2010, 05:53 PM
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hi, any ideas how much is the valuation fee for a double storey costing RM350k? thx
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tiffneedle
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Nov 2 2010, 08:28 PM
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QUOTE(alexwsk @ Nov 2 2010, 05:53 PM) hi, any ideas how much is the valuation fee for a double storey costing RM350k? thx RM700+-. Have you tried Hong Leong Bank already? |
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lengkwas
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Nov 2 2010, 10:36 PM
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New Member
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hi, anyone knows how long the bank take to cash in the extra money from refinance? thx.
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tiffneedle
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Nov 2 2010, 10:44 PM
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if it is a freehold land, takes less than 3 months.
If it is a leasehold land, takes less than 6 months.
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alexwsk
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Nov 3 2010, 01:10 PM
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QUOTE(tiffneedle @ Nov 2 2010, 08:28 PM) RM700+-. Have you tried Hong Leong Bank already? i was quoted: professional fees = RM750.48 service tax 5% = RM 37.52 disbursement = RM150.00 ---------------------------------- Total = RM938.00 Is that normal? Any panel valuer for Public bank can offer better rate? The house is in USJ13. |
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[PIMPIN]
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Nov 3 2010, 01:36 PM
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QUOTE(eric.tangps @ Nov 2 2010, 05:33 AM) 20% dividends - where does it come from? 1. Bank Rakyat used to monopolise the Angkasa deductions which commands a pretty high profit from govt servants Personal Loan. Only now, Bank Rakyat faces competition in this area - that is why 20 years Personal Loan now. 2. Another source is those customers stuck with Fixed Rate financing in the past, they are unaware and still stuck paying. By virtue of any biz set-up, to continue paying high dividends require high profit - so, Bank Rakyat is still out to make profits. Just like Banks, dividends is paid-out to shareholders. Of course it has to be a sustainable business as it was formed to provide financing to cooperative members and then expanded to public but 20% cash divided this year alone thats abt 400m to all members of the cooperatives nationwide. Of course it needs capital but paying out 20% is a lot to give up but that's what BR is for not to compete with the likes of CIMB, etc because it can't using its current model. |
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grifterfmj
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Nov 3 2010, 02:48 PM
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Getting Started
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Hi looking for loan packages from different banks.
Loan: 440k split 50-50 with wife
Age: 27
Financing: want 95%
Tenure: 35-40yrs
Was previously offered by OCBC at BLR -1.9 40 years with min 5 years lock in but didn't take because SNP wasn't ready. Good thing too because banks are offering better BLR -X now.
Plan to rent out the property and either refinance or sell within the next 5 years.
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kok_pun
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Nov 3 2010, 03:11 PM
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QUOTE(grifterfmj @ Nov 3 2010, 02:48 PM) Hi looking for loan packages from different banks. Loan: 440k split 50-50 with wife Age: 27 Financing: want 95% Tenure: 35-40yrs Was previously offered by OCBC at BLR -1.9 40 years with min 5 years lock in but didn't take because SNP wasn't ready. Good thing too because banks are offering better BLR -X now. Plan to rent out the property and either refinance or sell within the next 5 years. good news to you... OCBC now offer BLR-2.3%. anything just PM me |
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tiffneedle
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Nov 3 2010, 07:21 PM
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QUOTE(alexwsk @ Nov 3 2010, 01:10 PM) i was quoted: professional fees = RM750.48 service tax 5% = RM 37.52 disbursement = RM150.00 ---------------------------------- Total = RM938.00 Is that normal? Any panel valuer for Public bank can offer better rate? The house is in USJ13. Different bank has different valuers, hopefully there is PBB banker can answer you. |
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Xai-V-iaX
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Nov 4 2010, 12:56 AM
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Is the Graduate Home Loan packages still available in the market? I think UOB used to have them.
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kok_pun
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Nov 4 2010, 08:51 AM
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now OCBC is still having it... interested PM me
Added on November 4, 2010, 9:44 amYesterday's News: BNM caps 70% Loan to valueRatio for purchase of 3rd house. Read here: the starSinChewThis post has been edited by kok_pun: Nov 4 2010, 09:44 AM |
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cybermaster98
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Nov 4 2010, 09:45 AM
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QUOTE(kok_pun @ Nov 4 2010, 08:51 AM) now OCBC is still having it... interested PM me How is OCBC going to deal with the 70% housing loan cap for 3rd properties and above imposed by Bank Negara? |
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kok_pun
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Nov 4 2010, 09:48 AM
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QUOTE(cybermaster98 @ Nov 4 2010, 09:45 AM) How is OCBC going to deal with the 70% housing loan cap for 3rd properties and above imposed by Bank Negara? i think worse come to worse a lot of property investors will run away... that is a good screening though, as only genuine buyer are left... loans are easier to approve as well |
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set
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Nov 4 2010, 09:53 AM
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will joined name will get affected by the 70% thing? Assuming one of them is 3rd house, one is first
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kok_pun
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Nov 4 2010, 10:13 AM
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let me check and let you know later
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airline
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Nov 4 2010, 12:37 PM
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i think worse come to worse a lot of property investors will run away... that is a good screening though, as only genuine buyer are left... loans are easier to approve as well
-- faster approval. instead of 1 week as witness now
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amarah
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Nov 5 2010, 08:57 AM
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Getting Started
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Home Loan Amt Require = RM 222 282
Status = Under construction
Loan Tenure = 30 years
Feature = Islamic loan
PM me the offer please...
Thanks
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