normally buy subsales need to stanby cash all this surprises one

the reason why valuer exist is because they are treated as a "scapegoat" of the bank... they will not simply boost up the value because if they over promise you on the value of your house, when there is a non performing loan occurs and the bank need to auction the house, the bank will again look for the valuer who gives value and see if it matches the current market at the time of promise, if it doesnt match then the valuer will be held liable for the loss of the bank...

as for your case of valuation does not match, it could be your banker giving wrong info or ask the valuer who come to site visit, he will know better as he has all the info given when obtaining the loan....

Third house 70% margin good news.

Please PM me or sms 0173375262 for more information

why need to PM? share here la :-)

Re-Financing Home Loan

Property price : 253K
Home Loan Outstanding : RM197K
Loan Margin : Highest possible
Loan tenure : Longest possible (current age = 34)
Property Status : Completed
Property Location : Puchong
MRTA/MLTA : Not decided yet

Can offer me an attractive package?

Current home loan bank had offer BLR - 2% (Previously is BLR - 1.35%) with 5 years locking period, is it a good deal?

I had some queries which need advice, the bank officer had informed that the monthly installment after the revised interest rate is a bit higher than before revised, can anyone explain to me how the bank calculate this.

Besides that we had advance payment of RM15K in the account but why they don't take consideration in calculate the monthly installment?

Hi sakana please check your PM



This post has been edited by carmentee: Dec 4 2010, 02:06 AM

any loan officer from penang area?
i know this sounds lazy that i didn't use the search button, but i need it very urgently. thanks.

loan: 170K
tenure: max
MOF: 90%

Can I introduce you the penang banker? Public Bank. Mind PM me your contact number and name. I get him to call you. thanks.

dear home_save, fellow forummer,

does mortgage offering from HSBC full flexi is of the same condition. There is a maintenance fee of RM10 per month,, daily rest,, can dump in lump sum any amount of cash to save on the interest but at the same time you have the flexibility to withdraw from the account should the need arise.. monthly payment would be your Monthly installment+RM10.

thank you

How much would a Begonia unit with 1260sf BU on low floor or high floor be valued? any estimate range appreciated

Dear all bankers from Johor(i prefer Banker from JB only)

Property price : 13XK
Loan Margin : borrow 100K or 80% (I need the rates for both)
Loan tenure : 30year (current age = 28)
Property Status : Completed 3 Rooms service apartment
Property Location : Mount Austin, JB
MRTA/MLTA : MRTA (Pls quote me the MRTA, valuation fees, blah blah)
Additional Info : I am earning SGD2K in sg and i am paying RM965 for my house with 20 years tenure(Hong Leong Bank). i dont have late payment record with my existing housing loan

PM me only if you have confidence of helping me securing a loan as i had wasted so much time submitting additional documents with my first housing loan.

Wow, sounds like ordering bankers~

This post has been edited by vong: Dec 5 2010, 11:03 PM

anyone here have opinions on blr over the next 2 years?

Bear in mind that all the banker are earning $$ from you and they are not providing you loan with no interest.

when you are paying them $$ for their service, you would be expecting better service from them.

And what if banker follow up your case nicely and provide you accurate and timely info but you opt for another banker, will you feel pity for them investing a lot of time in you?

Customer will never sympathize you for what you have done if your competitor's offer is much more better than yours.
Good service will only make difference when customer have two same offers in front of them.
If you are facing this problem, you need to ask yourself why your competitor can give them better offer and you can't.

In my case, my banker did not bother to do follow up after i signed on letter of offer and eventually she lose out business when my friend asked me for the feedback of my banker.

my friend and his relative bought 2 DS terrace in Kuching with 90% MOF and you can do the calculation.

rule 1: customer is always right
rule 2: if customer is wrong, refer to rule 1

ok.... customer is always right...

To further breakdown the type of customer, I believe the rule 1 doesn't fit into this situation.

Dont be lazy, do some survey before choosing the best option for yourself

This post has been edited by kok_pun: Dec 6 2010, 11:25 AM

not bankers fault. they are customers online who apply eg all 10 banks.
kesian the bankers la.
they have to pay for petrol, toll, time to meet up with u,
apply 3 banks enuf la.

I believe most of the lowyat user who came here already have few offers in front of them. If they knew how to come lowyat, i believe they had already had enough information of the rates offered in the market and just looked for better offer and service.

they are many banker in Lowyat forum but only a few of them are providing good service.

Roy for example, is a very professional and experienced banker in this forum but too bad he is based in KL only .

Again, if a banker who are reluctant to pay petrol and toll to meet up with their customer and expect all their customer to pay petrol and go to their office\house to ask for more information. chances are they will be reluctant to call their customer for the follow up after their customer signed on letter of offer.

i dont see any reason this kind of banker deserves to earn those $$ from customer.

This post has been edited by alfred liew: Dec 6 2010, 04:38 PM

according to unnamed source

If they knew how to come lowyat, i believe they had already had enough information of the rates offered in the market and just looked for better offer and service.

They not looking for better offer and service,
they are looking for the cheapest rates. and loan amount not big somemore

may i know which agent here offers the good service. i never try apply here before

This post has been edited by airline: Dec 6 2010, 04:52 PM