the min loan amount is 150k, not 200k

You can use http://www.fiscal-wise.com.my/ as reference and contact the bank of your choice for details

Hi are you sure ZEC for Hong Leong is BLR-2.3? Could you clarify? Thank you.

I was told that HL BLR-2.4% for LA > 500K, back in the month of Sep

to UOB banker here..... please PM me if can help me.

currently I looking for refinance my apartment (value around below 150K). the package I signed before only -1.35 from UOB too and still under bounding period.
27 years old now. anyone pls offer me...... thx

Hi anyone has experience/view on CIMB mortgage call Flexi Home Financing-i? Currently their offer rate for ZC is BLR-1.95 which the y claim is FULL FLEXI.

Mind to give us full details, but -1.95% is not really attractive at this time

I am 29 this year. Any financiers offering 40 years tenure of housing loan, loan repayment at 40% of gross salary.

The concept apparently is One account which is similar to current account, you can deposit any amount and withdraw any amount, no charge, no notice and balance in the account will be duducted from Principal to offset the daily interest. No standing instruction needed as oppose to other semi-flexi loan. No monthly maintenance, no setup fee. The only maintenance charge is RM 10 for 6 months.

This looks more transparent and straight forward, no hidden cost. The only drawback is the BLR-1.95 is a bit low.

another question

what is the criteria to borrow 1m (after deducting downpayment)

max loan tenure

current age 29

thank you

yes...nowadays some banks are offering the loan tenure up to 40 years or age 65. for example :OCBC and PBB
dont worry...

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Added on October 7, 2009, 12:29 pmas long as your monthly income is strong enough....
based on your enquiry, your monthly income should be more than 10k

This post has been edited by jackchp: Oct 7 2009, 12:29 PM

loan 750k over 30year repayment 3.2k
if 1m should be around 4.1k

nett income 13k should be ok

i am buying a property nearly completed for investment, and i would like to apply a housing loan without lock in period, as i may sell my property any time now, Loan amount is around rm800k, is there any bank that offer this package without any lock in period? if yes what is the best rate?

need to loan 540k housing loan,anyone can offer me good rate/package?

completed Property

PM me. thx

Looking for a 300k loan for a completed condo unit direct from developer. Can someone advise on which package has the lowest overall payment for 20 years?

1) Loan amt: 300k
2) MOF: 90%
3) Period: 20 years
4) NZEC - Developer paying for legal and stamp duties
5) MLTA/MRTA - Not sure which is better
6) Lock in period - preferably low
7) Penalty - Minimal or none
8) Flexi - Not sure
9) Fixed rate or Float rate - which is better

Which type of package would be suitable for me? So far they are a few banks offering BLR -2.4% for whole tenure.

Thanks!

BLR-2.4 is consider very good already. Just choose the bank which is most convenience to you then.
Lock in and Penalty, i think it's standard for you to get 5 year and 3% of loan amount for BLR-2.4 rate loan.
MLTA or MRTA, it's very objective to say which is better.
How about you pm me your D.O.B and i make some quotation for you and let you compare which is more suitable to you.
No obligation of cause

just highlight that developer is going to pay the legal and stamp duty of S&P only...
not including loan agreement...

if u choose NZEC, that means u have to pay for legal and stamp duty
pls take note...

which bank offering BLR-2.40% for whole tenure??

This post has been edited by jackchp: Oct 8 2009, 06:00 PM

hello guys..

Just want to listen to some opinions. Loan approved from Bank A and i've verbally agreed to take up. But i have yet to sign the letter of offer and loan agreement. Because he aldy arrange to sign everything together with the S&P on the same day in 2 days time. I thk the panel lawyer now processing the necessary docs.

I just received from Bank B offer which is slightly better than Bank A yesterday. Can i possibly reject Bank A's offer at this point?Kinda feel bad..
Btw, does anyone has experience or taken any loans from Direct Access's Mortgage Direct Super Savers?does it related to CIMB?

my suggestion is go through the letter offer of bank A & B first before sign anything...
better rate doesnt mean everything also better...
just check the term and regulations...

I've go through both the letter of offer from bank A & bank B...bank B offer shorter locking period and is a much more established local bank. Whereas Bank A is Direct Access, a division of CIMB which i'm not sure of it's future if i were to take loan from them. Any advice?