Greetings Forumers,

I would to like to represent Home Save Financial Consultancy to deliver our appreciation for all the supports from LYN members to utilize our services since our presence in this thread. Due to change in company policy and cost issue, our company effectively withdraw all the supports and no future comments will be post within the thread from 08 Dec 2010, 00:00 am onward.

Future arrangement

1. Previous discussions and advices will be deleted and a duplication will be extracted and repost to the archives of our Facebook pages. Will be completed upon 18 Dec 2010.

2. New thread might be set up which specialize in providing advisory service to LYN members if it is approved by BOD in next meeting, 20 Dec 2010. LYN members will be informed within the thread with topic titled, "Latest mortgage rate for housing loan packages, All Mortgagers are welcomed to post..."

3. In the meantime, LYN members are welcomed to seek for advices via mail, home_save@live.com. Nicole will forward the mail to respective officers for engagement.

All the best with LYN members and have a great days.

Regards,
Chris Looi,
Head Executive Office.

Dear Forumers,

Advisory support from Home Save will be continued as per latest arrangement. Effectively from 13 Dec 2010, advisory support will be shifted from all the threads to the links as categorized as below:

(A) [Home Save Consultancy] Mortgage Loan Advisory & Application Support
(B) [Home Save Consultancy] Property Valuation Support | Simple Verbal Indication & Comprehensive Valuation
(C ) [Home Save Consultancy] WikiMortgage Product | Scheduled to operate prior 20 Dec 2010
(D) [Home Save Consultancy] Property & Development Highlight | Scheduled to operate prior 25 Dec 2010
(E) [Home Save Consultancy] WikiInsurance Product | Scheduled to operate prior 31 Dec 2010
(F) [Home Save Consultancy] Know your Insurance & Protection | Scheduled to operate prior 31 Dec 2010
(G) [Home Save Consultancy] Knowledge Archive | Scheduled to operate prior 31 Jan 2011
(H) [Home Save Consultancy] Mortgage Packages in One Table | Scheduled to operate prior 15 Jan 2011

Service excellence for LYN members.

Regards

This post has been edited by home_save: Dec 13 2010, 04:10 PM

Dear Forumers,

Kindly inform that Mortgage Packages in One Table had been launched in Beta Mode. 16Dec2010 onward, all banks' packages will be updated in this thread. Your visit is welcomed and suggestions are appreciated to boost our excellency.

(A) [Home Save Consultancy] Mortgage Loan Advisory & Application Support
(B) [Home Save Consultancy] Property Valuation Support | Simple Verbal Indication & Comprehensive Valuation
(C ) [Home Save Consultancy] WikiMortgage Product | Scheduled to operate prior 20 Dec 2010
(D) [Home Save Consultancy] Property & Development Highlight | Scheduled to operate prior 25 Dec 2010
(E) [Home Save Consultancy] WikiInsurance Product | Scheduled to operate prior 31 Dec 2010
(F) [Home Save Consultancy] Know your Insurance & Protection | Scheduled to operate prior 31 Dec 2010
(G) [Home Save Consultancy] Knowledge Archive-Mortgage *Beta
(H) [Home Save Consultancy] Mortgage Packages in One Table

Recent Update:
Knowledge Archive-Mortgage - Article 1. Are you eligible for a loan? A brief introduction in calculating your mortgage gearing. (14 Dec 2010)
Mortgage Packages in One Table - Alliance Bank: Alliance Bank Mortgage Board Rate - Revision (16Dec2010)



Service excellence for LYN members.

Regards

This post has been edited by home_save: Dec 16 2010, 09:13 PM

Dear Forumers,

Kindly inform that Mortgage Packages in One Table had been launched in Beta Mode. 16Dec2010 onward, all banks' packages will be updated in this thread. Your visit is welcomed and suggestions are appreciated to boost our excellency.

(A) [Home Save Consultancy] Mortgage Loan Advisory & Application Support
(B) [Home Save Consultancy] Property Valuation Support | Simple Verbal Indication & Comprehensive Valuation
(C ) [Home Save Consultancy] WikiMortgage Product | Scheduled to operate prior 20 Dec 2010
(D) [Home Save Consultancy] Property & Development Highlight | Scheduled to operate prior 25 Dec 2010
(E) [Home Save Consultancy] WikiInsurance Product | Scheduled to operate prior 31 Dec 2010
(F) [Home Save Consultancy] Know your Insurance & Protection | Scheduled to operate prior 31 Dec 2010
(G) [Home Save Consultancy] Knowledge Archive-Mortgage *Beta
(H) [Home Save Consultancy] Mortgage Packages in One Table * Beta

Recent Update:
Knowledge Archive-Mortgage - Article 1. Are you eligible for a loan? A brief introduction in calculating your mortgage gearing. (14 Dec 2010)
Mortgage Packages in One Table - Alliance Bank: Alliance Bank Mortgage Board Rate - Revision (16Dec2010)



Service excellence for LYN members.

Regards

Dear keeseng12,

The offer and the availability of home loans usually being specified within the clauses and terms in the LO. Banks always reserves quite a number of clauses which provide them with the room to withdraw the offers that had been issued to clients. Majority of these clauses can be categorized into:

(i) Inconsistency of information between the given and actual. It covers all information which provided and affect the approval of loan. For example, the property is told to be 2 storey but in fact, it is a 3 storey unit.
(ii) Incapability to repay the loan or low utilization of facility
(iii) Violation of regulations, laws and official guidelines

For your case, it will be very likely to fall under category (iii). Thus, the banks should have no problem in withdrawing the offer.

---

Added on December 17, 2010, 6:01 pmDear Forumers,

Kindly inform that WikiMortgage Product had been launched. 17Dec2010 onward, special packages' features and studies will be discussed in this thread. Your visit is welcomed and suggestions are appreciated to boost our excellency.

(1) [Home Save Consultancy] Mortgage Loan Advisory & Application Support
(2) [Home Save Consultancy] Property Valuation Support | Simple Verbal Indication & Comprehensive Valuation
(3) [Home Save Consultancy] WikiMortgage Product
(4) [Home Save Consultancy] Property & Development Highlight | Scheduled to operate prior 25 Dec 2010
(5) [Home Save Consultancy] WikiInsurance Product | Scheduled to operate prior 31 Dec 2010
(6) [Home Save Consultancy] Know your Insurance & Protection | Scheduled to operate prior 31 Dec 2010
(7) [Home Save Consultancy] Knowledge Archive-Mortgage *Beta
(8) [Home Save Consultancy] Mortgage Packages in One Table * Beta

Recent Update: (17Dec2010)
Mortgage Packages in One Table - OCBC Bank: OCBC Mortgage Package - Update
Mortgage Packages in One Table - HSBC: HSBC Residential Board Rate (Conventional & Islamic)
WikiMortgage Product - Maybank – Understand the concept behind “Pay half, Pay Less, Pay Later” – The fundamental of Balloon Payment
New Mortgage Calculator is available - Specialized in calculating balloon payment (available at “Your essential links")

Service excellence for LYN members.

Regards

This post has been edited by home_save: Dec 17 2010, 06:17 PM

Updates of components:

(1) [Home Save Consultancy] Mortgage Loan Advisory & Application Support
(2) [Home Save Consultancy] Property Valuation Support | Simple Verbal Indication & Comprehensive Valuation
(3) [Home Save Consultancy] WikiMortgage Product
(4) [Home Save Consultancy] Property & Development Highlight | Scheduled to operate prior 25 Dec 2010
(5) [Home Save Consultancy] WikiInsurance Product | Scheduled to operate prior 31 Dec 2010
(6) [Home Save Consultancy] Know your Insurance & Protection | Scheduled to operate prior 31 Dec 2010
(7) [Home Save Consultancy] Knowledge Archive-Mortgage *Beta
(8) [Home Save Consultancy] Mortgage Packages in One Table * Beta

Recent Update: (20Dec2010)
Mortgage Packages in One Table - SCB: (17Dec2010) SCB Home Loan Pricing
Mortgage Packages in One Table - RHB:(17Dec2010) RHB Residential Board Rate (Conventional & Islamic)
WikiMortgage Product - Article 2W. AIA & ING – The No Lock Penalty - How does it differ from banks?
Knowledge Archive-Mortgage - Article 2. Understanding the terminology: "Settlement", "Prepayment" & "Partial Prepayment" - Implication on your prepaid fund
Knowledge Archive-Mortgage - Article 3. Is BLR is going to rise? - Past, current and future
Knowledge Archive-Mortgage - Article 4. The illusion of lower interest in tiered mortgages: Does a lower interest rate mortgage always mean the best?
Knowledge Archive-Mortgage - Article 5. Understanding the terminology: "Daily Rest" & "Monthly Rest" - Implication on your interest cost
Knowledge Archive-Mortgage - Article 6. Understanding the policy: 70% of MOF for 3rd property or mortgage?



Service excellence for LYN members.

Regards

This post has been edited by home_save: Dec 20 2010, 05:15 PM

Updates of components:

(1) Mortgage Loan Advisory & Application Support
(2) Property Valuation Support | Simple Verbal Indication & Comprehensive Valuation
(3) WikiMortgage Product
(4) Property & Development Highlight | Scheduled to operate prior 25 Jan 2011
(5) WikiInsurance Product | Scheduled to operate prior 25 Dec 2011
(6) Know your Insurance & Protection | Scheduled to operate prior 25 Dec 2011
(7) Knowledge Archive-Mortgage *Beta
(8) Mortgage Packages in One Table * Beta

Recent Update: (30Dec2010)
Mortgage Packages of Banks - Public Bank Mortgage Update (27Dec2010)
Mortgage Packages of Banks - Maybank Mortgage Update (27Dec2010)




Service excellence for LYN members.

Regards

This post has been edited by home_save: Dec 30 2010, 03:07 PM