=.=
crap...
be nice to people, people be nice to you...
dozen of people apply...
attitude so F***, no body would care...
even if its a sales, doesn't mean i have to throw my dignity and let people scold or pressure.
As a consumer you must be smart, but not ego. Ask nicely and pressure people is different issue and both of this action receive different kind of treatment.

and please do remember we have authority to approve or reject without giving a reason.

This post has been edited by yssee85: Jul 13 2009, 11:32 PM

yea.... You are correct if dignity can become rice for you to eat. I am not asking you to be a dog but just provide better service for any customer that u served. Everyone will upset if loan application is going too long, so what they will do is call the BANKER--this is just soooo normal. If you dont like customers calling you to ask about the loan process or you intend to reset whoever calling you to fasten the process, then what attitude you are giving out..huh/
let me tell you den, YOUR ATTITUDE IS JUST LIKE WHAT U SAID ABOVE '' attitude so F*** ''

with no offense and if there is any..I apologize for that

Chill...

i didn't reset people application to speed up the applcation. i direct reject the customer. even my manager agree with it.
(Only apply to those with F*** attitude.)

I don't want to play blaming game here; but I'd like to add my 2 cents.

Being a customer, you have your consumer right.

Being a banker, you have to comply with your professionalism.


As posted before - an application can be approved in 30 minutes, why make it 3 months? Too busy? I wonder.

Hmm 30 mins is not some normal application I presume?
Normal application will take 5-7 working days to process, 2 weeks still acceptable, but 3 months too long la...

Anyway let's stop the blaming/shouting here, we're supposed to be working together to make money here, remember?

Yes, let's stop the blaming.

No matter what the result, there is no real winner anyway. Both parties will suffer.

As a customer, we should give our fullest cooperation.

As a banker, you should do whatever under your capabilities towards the favor of your customer.

cimb vs Mbb vs alliance?
guys..help me to decide which bank/package shall I take?
I will be able to settle my new house within 5 years & keen to have OD facility but
Mbb OD have to pay legal fee etc & MRTA MLTA complusory unlike cimb & alliance flexi loan
do u think i can treat this flex loan as OD?



alliance flex loan(islamic)
blr - 2.3% 1st yr
blr -2.2%
zec
no setup fee rm200 no rm10 mthly fee


cimb flex loan
blr -2.05%
zec
setup fee rm200 rm10 mthly fee

Mbb OD
blr -2%
fec
rm5 mthly fee


any comment would be appreciated

This post has been edited by asiatrader98: Jul 14 2009, 02:09 PM

i checked with cimb last week, there are NO setup fee and NO monthly fee ... anyone from CIMB can answer why above said RM200 + RM10 ... which is correct ?

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Added on July 14, 2009, 4:05 pmexcept like the TV series House, "when you are right, everything else does NOT matter" ... so dr. House treats everyone like crap and yet he can do whatever he wishes ... because he can cure when others cann't ...

irrelevant but just a thought

This post has been edited by mtsen: Jul 14 2009, 04:05 PM

unles this is islamic financing

The weekly installment plan is UOB's banker best selling skill....If you really understand it and count it out properly. Eventually, you will understands what it is..... Briefly, this whole plan is asking you too pay twice a months. if im not wrong they called it forth ninely or something like that...

erm application usually 1 week done, 3 month is include whole process, S&P, Loan agreement, etc.....
3 month is not referring to loan application. =.=

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Added on July 14, 2009, 11:16 pmEr, those working with mnc, public listed, easy to check record, so it can be done in 30 mins, b'cos we are given 15 min to key in the system or else everything redo. =.=, life as banker not easy. before key in, have to check everything 1st. try to understand, sometimes certain property sub-sales one the developer bankrupt, we need to call the lawyer, if the lawyer also bankrupt, where to get the data??

B'cos consumer don't know what problem we are facing sometimes, not that we want to delay the process, just that the data wasn't there, have to call many people... check this check that, who take over, check news, check stock market, bla bla bla, yada yada yada...Thats why certain time consumer was rejected, but not b'cos of the ccris or ctos, but bcos of the insufficient data from the property. system is stupid one... they can only process after we key in everything the system ask for..

As a consumer, try to understand what you are buying, from the developer background, to properties detail, profit details, rental details, loan details, lawyer detail and insurance coverage as well.

Eg, Those 30 years tenure buy 10 years mrta people, rather don't buy. no point, unless investment purpose, buy company insurance.
(your not saving your wasting)

Just my 5 cent.

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Added on July 14, 2009, 11:25 pmApply to properties 500k above (base on market value)*valuate by valuer, not sales agent.
OCBC B-2.4% 1st to 3rd years, thereafter B-2.45% (subject to approve)
Od B-1% (if you do take it)
50% loan 50% OD
No set up fees, no monthly fees.

---

Added on July 14, 2009, 11:32 pmBy the way, promotion till 28 of july. OCBC
ZEC 1st 5 years B-2%, thereafter -2.4%
apply to 250k above.
Semi-flexi
Happy applying. ^^

This post has been edited by yssee85: Jul 15 2009, 10:10 AM

Both also correct.
Normal Flexi loan have RM200 setup fee + RM10 maintainance.
Islamic Flexi loan NO setup fee and NO monthly fee. But the legal fee with abit higher then normal flexi.

Negotiable?

look like islamic flexi home load provide better offer
since this is ZEC even legal fee is higher
&
process fee & mthly serve charge -waived
&
have the celling rate
&
in case late payment (2 mths compare with 3 mths) the rate only revised to blr + 4% for the amount due unlike the conventional flexi home loan, bank has the right to vary the rate to blr +1 for the loan amount

am i right?

anyone have the islamic flexi home loan here ? Can you share the pro & con for this package in addition the way they calculate the principle & interest? TQ

This post has been edited by asiatrader98: Jul 15 2009, 10:07 AM

my lawyer advised me never to take islamic housing loan

why? reasons?

i cant understand what he was saying, you know la those lawyer mumbo jumbo nobody understand wan. but he said dont, never!

Nego in term of what?

The legal fees is higher for islamic loan?.
thought all are same...
Usually legal fee can be nego one if paid by yourself with condition, that lawyer is your lawyer, and he is a panel lawyer for that particular bank.

If you using your own lawyer, of cause the charge can be nego.
If you using Zero cost package, i think will be nothing different for you also as the bank will cover the legal fee already.

The rate for both normal flexi and islamic flexi is almost the same i can say, if you can get an offer with normal flexi. 100% you can get the same offer in islamic flexi. Just the detail term and condition will be different for the both.

Just make sure your occupation and money is come legally in islamic law. Then you wouldn't have much problem to take islamic loan.