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 Latest mortgage rate for housing loan packages, All Mortgagers are welcomed to post...

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peng123
post Sep 22 2009, 03:19 PM

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QUOTE(onnying88 @ Sep 22 2009, 01:25 PM)
I've pm you to get some detail of you. Will try my best to help smile.gif
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thanks.................... icon_rolleyes.gif
alextcs
post Sep 23 2009, 01:49 PM

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QUOTE(alextcs @ Sep 14 2009, 06:01 PM)
My current housing loan bank is public bank, left RM110,000 to settle, under lock in period (penalty: 3% of outstanding amount), and now just sold my house, and then purchase a new house (loan amount RM250,000)

latest of offer that i received from several banks:-

1) CIMB - ZEC, BLR - 1.95 whole tenure (Flexi, must buy MRTA, waive RM10 per month for current account)
2) Hong Leong - ZEC, 1st year BLR - 2.95, rest BLR - 1.95 (Flexi, must buy MRTA, no RM10 per month because drop the cheque book service)
3) Maybank - ZEC, BLR - 2.1 whole tenure (Term loan, must buy MRTA, need to bear 50% of RM4000 for lawyer fees even is ZEC package)
4) Standard Chartered - ZEC, BLR - 2.1 whole tenure (Flexi, must buy MRTA, RM10 per month for current account)
5) Public - ZEC, BLR - 2.1 whole tenure (Flexi, confirmed is not semi-flex, must buy MRTA, RM10 per month, and waive of penalty cost)

Please advise what is the next step should i do? appeal for better rate? meet them to know the detail of letter offer? which bank should i go for? any hidden fees or hidden info that i should concern of?

Many thanks in advanced~~!!
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Hi all sifu, Standard Chartered offering the following package after appeal:-
ZEC - BLR - 2.2 whole tenure (Flexi, must buy MRTA, RM10 per month for current account)
Non-ZEC - first two years BLR - 2.65, then BLR - 2.25 the rest (Flexi, must buy MRTA, RM10 per month for current account)

now among the best should be Public Bank and Standard Chartered, which package should i go for?

Thank you.

This post has been edited by alextcs: Sep 23 2009, 02:03 PM
jackchp
post Sep 23 2009, 02:29 PM

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QUOTE(alextcs @ Sep 23 2009, 01:49 PM)
Hi all sifu, Standard Chartered offering the following package after appeal:-
ZEC - BLR - 2.2 whole tenure (Flexi, must buy MRTA, RM10 per month for current account)
Non-ZEC - first two years BLR - 2.65, then BLR - 2.25 the rest (Flexi, must buy MRTA, RM10 per month for current account)

now among the best should be Public Bank and Standard Chartered, which package should i go for?

Thank you.
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for me, i will take PBB BLR-2.10% ZEC(waive penalty cost) instead of taking SCB BLR-2.20% ZEC

penalty cost of existing loan= 3% of oustanding amount or RM 5,000 which is higher (pls refer to your letter offer)
= RM 3,000 or RM 5,000 which is higher
= RM 5,000

different interest of PBB and SCB = 2.20-2.10 = 0.10% pa
within 5 years, u will save = 0.10x 5 years = 0.50% x 250k
= RM 1250

so, if u take SCB, sure u will save RM 1250, but u still need to pay the penalty for the existing loan = RM 5,000

so better take PBB....

regards
MyDevil
post Sep 23 2009, 04:49 PM

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From my research, Hong Leong has the best deal right now.

http://www.hlb.com.my/promo/pfs/housing/index.jsp?s=promo

BLR - 2.4%
jackchp
post Sep 23 2009, 05:13 PM

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QUOTE(MyDevil @ Sep 23 2009, 04:49 PM)
From my research, Hong Leong has the best deal right now.

http://www.hlb.com.my/promo/pfs/housing/index.jsp?s=promo

BLR - 2.4%
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the package u mentioned is under ZEC or NZEC??
mitmivec
post Sep 24 2009, 05:28 PM

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ZEC for HLB is -2.3 if not mistaken.. how ever its with mrta if no mrta its only -2.1 or -2.2 pls take note..
Scissorshand
post Sep 24 2009, 06:05 PM

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Just wondering for SCB BLR-2.2% Term Loan, on new house, is it mandatory to buy MRTA for RM351k loan? It'll cost me abt 20k at least? Although Phoebe of Kota Dsara branch mentioned she'll appeal for waiver on MRTA. I'm ok with non flexi but am waiting for reply in 2 days time.

Pls adv

This post has been edited by Scissorshand: Sep 24 2009, 06:08 PM
klang-valley
post Sep 24 2009, 06:46 PM

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QUOTE(MyDevil @ Sep 23 2009, 04:49 PM)
From my research, Hong Leong has the best deal right now.

http://www.hlb.com.my/promo/pfs/housing/index.jsp?s=promo

BLR - 2.4%
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HLB Bank loan is not easy to apply. There are strict criterias to be followed.
lala01
post Sep 24 2009, 06:59 PM

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MRTA can be waived? It's the insurance rite if I am not mistaken
MyDevil
post Sep 24 2009, 08:47 PM

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QUOTE(klang-valley @ Sep 24 2009, 06:46 PM)
HLB Bank loan is not easy to apply. There are strict criterias to be followed.
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I am offered BLR - 2.3% for NZEC. Now considering it.
The - 2.4% got certain condition. I forgot liao.
PB offered me minus 2.4% though. When I submit the application, I included the HLB ad in it biggrin.gif
onnying88
post Sep 25 2009, 12:00 AM

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QUOTE(MyDevil @ Sep 24 2009, 08:47 PM)
I am offered BLR - 2.3% for NZEC. Now considering it.
The - 2.4% got certain condition. I forgot liao.
PB offered me minus 2.4% though. When I submit the application, I included the HLB ad in it  biggrin.gif
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HLB's should be full flexi loan while PB's should be semi-flexi.
So which type of loan you prefer then choose from there. smile.gif
MyDevil
post Sep 25 2009, 12:37 PM

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QUOTE(onnying88 @ Sep 25 2009, 12:00 AM)
HLB's should be full flexi loan while PB's should be semi-flexi.
So which type of loan you prefer then choose from there. smile.gif
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What do you mean by semi-flexi? I thought it is flexi?
I am more towards HLB atm. PB has some terms that I don't like.
onnying88
post Sep 25 2009, 12:43 PM

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QUOTE(MyDevil @ Sep 25 2009, 12:37 PM)
What do you mean by semi-flexi? I thought it is flexi?
I am more towards HLB atm. PB has some terms that I don't like.
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Mean HLB is with a current account like with the loan.
PB don't have current account.
klang-valley
post Sep 25 2009, 08:23 PM

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QUOTE(lala01 @ Sep 24 2009, 06:59 PM)
MRTA can be waived? It's the insurance rite if I am not mistaken
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Some loan package have been packaged with MRTA to make it attractive. Can try to waive MRTA, but no guarantee bank will allow.
MyDevil
post Sep 26 2009, 08:48 AM

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QUOTE(onnying88 @ Sep 25 2009, 12:43 PM)
Mean HLB is with a current account like with the loan.
PB don't have current account.
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I see.
I think I will choose PB as HLB needs current account. Rm10 per month.
onnying88
post Sep 26 2009, 01:59 PM

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QUOTE(MyDevil @ Sep 26 2009, 08:48 AM)
I see.
I think I will choose PB as HLB needs current account. Rm10 per month.
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If you really prefer HLB,You may also ask HLB to cancel the current account facility, so that you no need to pay RM10. smile.gif
But make sure you clear about the T&C. smile.gif
APPA
post Sep 26 2009, 10:33 PM

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RM 825k semi d under construction
Finance 90%
Tenure 30 years
Zero Entry Cost
Prefer flexi, plan to settle it in 15 years but have the option to draw $$ in case of emergency

submitted to PBB & UOB already pending approval, both must buy MRTA, blr -2.2% ZEC


Hi sifu here,
Any bank offer better rate ?

Added on September 26, 2009, 10:55 pm
QUOTE(whojen @ Sep 15 2009, 03:13 PM)
Properties above 500k.
Good news for you people and Bad news for other bankers

(Good news)
Standard Chart is offering crazy rates.
-2.51 First 2 years
-2.3 Folllowing years

(Bad news)
To my fellow bankers.  ( Dammm crazy pricing)
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is this offer still on? i can't find it in the web page

This post has been edited by APPA: Sep 26 2009, 10:55 PM
Denise_D
post Sep 28 2009, 09:28 AM

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Hi,

i want to refinance my property. any bankers.....pls do contact pm or contact me at 012-2056256.

thanks
thilanesh
post Sep 28 2009, 02:40 PM

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im applying housing loan joint venture with my wife

my salary is 2.5k and my wife salary is 2.3k we have 2 car paying for 2.2k per month, i have a personal loan 12k paying monthly rm330
i checked my credit report with bank negara and notice my car payment show all 3 3 3 3 3. what are the possibilities for my loan get approved ? i paid the depost 10% for the house
klang-valley
post Sep 28 2009, 08:27 PM

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QUOTE(thilanesh @ Sep 28 2009, 02:40 PM)
im applying housing loan joint venture with my wife

my salary is 2.5k and my wife salary is 2.3k we have 2 car paying for 2.2k per month, i have a personal loan 12k paying monthly rm330
i checked my credit report with bank negara and notice my car payment show all 3 3 3 3 3. what are the possibilities for my loan get approved ? i paid the depost 10% for the house
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Chances are slim, though not impossible. When is the exact month showing 3 3 3 3 3?

I'm a mortgage broker, specialise in helping lowyat members in getting a home loan at a lower interest rate.
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