I'm wondering if the 0% interest during cons, is really 0% or the interest is then equally transfer into the instalment once u start paying?

Would like to know if there are anybody that can help me do my refinancing, problem is that its between my mum and my name, is it possible for me to refinance the house without her knowledge?Indeed need help...Thanks

fully flexi means no lock in period, can settle loan anytime?
anybody know the lastest best interest rate for Shoplots/retail lots?

Your offer is very good. 
Hong Leong bank pissed me off due to low efficiency. Wait for more than 3 weeks to know loan approve or not, not getting the offer letter. Agent told me only need 1 week. 
Already pm you.

Hi,

I've got a question for the agents/ loan officers here. Is there a difference in the loan rates between completed and under construction properties. That is the impression I get when I browse through the rates offered here, for which most are completed properties.

The best offer I've received (and some of my friends too) for my property (under construction) is BLR-2.3 non ZEC from PBB.
Or is it because that we are in East Malaysia? (Sarawak). Thanks.

Thanks for the info.. PBB is one of the panel banks for this developer. But they did not have special offer with ZEC all that. But they did initially offer 1st year 0%, + BLR-2 thereafter or something like that. But i asked for flat rate anyway and that how i got the BLR-2.3....

hi everyone,

i am chen hou, uob banker!

uob now offer -2.2, ZEC, whole tenure for residential property,

-1.8 for shoplot, ZEC, whole tenure!

approval within 1 week n also offer letter.

for foreign we can approve margin up to 80%(subject to approval)
for singaporean we can approve 90% margin.

for more information u can pm me, or call, sms me 012-3181146
if u need any quotation, i can fax o email to u asap!

Hi

err..I'm new to all this refinancing home loan thing..so please be kind to me.

I got a loan for a house in JB in 2001. Bank is RHB.
Loan amount is RM110K.
I just check the blc is still RM100K.
I'm 38 years old.

I found out the house name is still the developers name and need a lot of money to change the name to mine.

I want to refinance my house just to get some extra money to do a small business....maybe wanna refinance to RM150K

So end of the day,
1.Can I refinance the house to include the transfer charges of name (developer to me) with the lawyers?
2.How much extra will I be getting?
3.I read in here got Zec and Non Zec...what does it mean?
4.In the previous years, only international banking offer Flexi loans, now I see even the local banks offer it.
Which bank offers the best?

Thanks you

Regards

Thanks you very much for the info, I think my house is only RM150K at the moment...so..from your info can get only RM135K.
1) Oh..I get it now..they will take from the extra money to pay the lawyers
2) I see...
3) So depending on situations, its best to get ZEC or FEC then.
4) Thanks for the tips..

Last night met with PBB housing loan agent, she offered me PBB flexi loan package BLR - 2.3, MRTA, ZEC, 30 years, loan amount 250k. Today she will submit to KL HQ for approval.

However, i heard that PBB's Flexi loan is actually not "Flexi"? Can some sifu here clarify it? The agent did actually introduce Term-loan (considered semi-flex) to me last night, but seems she willing to help me to "fight" for same interest rate as Term-Loan package, no reason why not for me to choose the flexi-loan package.

Thanks in advanced, looking forward for the explanation.

Thanks for your info, just trying it, BLR - 2.0 is fine for me too.

But my concern now is -> However, i heard that PBB's Flexi loan is actually not "Flexi"?

I hope any sifu here that familiar with PBB's Flexi can clarify it.

Thanks in advanced. 

is it true that Std Chartered to revise their flexi policy frm Sep 1st, 2009? that is, need to utilize at least 30% of the current account (outstanding loan amount) else 1% charge will be imposed?   Is the new policy going to affect old-timer prior to Sep 1st? thks~

---

Added on August 28, 2009, 5:09 pm
u r rite, just went to pbb, they told me there is no flexi offered, the officer is not so friendly comparing to others (maybe my loan amount is small), but i'm their small stockholder ler... worry of their attitude gonna piss off customers & affecting the price

btw, OCBC is offering semi-flexi (i suppose) too, the transaction fee is RM10, i forgot to ask is the transaction fee amount can be revised at time or permanent? any idea? thks~

Hi guys, hope you dont mind me asking for assistance
I'm about to sign a booking fee next week for my property, details as follow:-

=========================

priced at Rm300k, therefore my loan amount would be RM270K
Condominium (subsale)
Freehold
Tenure 30 years
=========================

So far I only apply from Maybank(i like maybank dunno why maybe so convenience? ) and the agent proposed:-
--------------------------------------------------------
Maxi Home-i (islamic)
Semi-flexi loan
first year 2.38%
subsequent for whole tenure -2.4%
lock in period 5 yrs exit penalty 3%
BUT must be NZEC & MRTA to get above rates
--------------------------------------------------------

Wondering if its a good deal already? If possible I want ZEC with that rate, I dont mind the mrta though so long its ZEC
Pls anyone can have a better offer than this? btw, it MUST be islamic not conventional pls

Pls assist me
TQ so much!

I want to ask all sifus here about house loan.. What is ZEC, MRTA? Whats the difference between flexi and non-flexi loan? Hope someone can guide as I am getting one soon

Loan: 270k
Tenure: 30 years
Landed property, under construction

Type of loan recommended? Thanks
Wish to have a good agent for this...

The interest are calculated based on reducing balance right? If I can pay all less than 30years, I should be able to save on the interest paid, am I right?

Thanks

Looking for a housing loan for amount of around RM230k. Preferably banks such as CIMB, Maybank, RHB, Hong Leong, Allianz, PBB .. mainly due to convenience of having the banks nearby my area.

Most importantly, i would like to get pre-approval first in the shortest period if possible.

Please email to platingirl [at] gmail.com. Urgent ! Thanks.

Also, what is the difference between MRTA and MLTA ..

Hi Onnying,

Thanks. Will read that.

Are you an agent for Hong Leong? What is the best rate being offered and is it possible to get pre-approval ? How many days does it take to process the actual loan application?

Thanks.

Hi,

Do you have any MSN where i can chat with you? Would like to know more .. thanks

Preperty amount RM350k
Loan amount 150K
tenure 20 years.
OD 100K  (so far no use yet, but may use within this few month for house renovation)
OD rate: BLR-0.75

History:
buy the under construction house on year 2007 with BLR-1.1
appeal the rate on year 2008 with BLR-1.5 from Public Bank.
now the house is complete with OC obtain.
would like to know is it worth or not to refinance with RM250k for tenure 20 years?

onnying is our lecturer here!
professional in mortage!

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~~!!