I think who wants to get housing loan, better make it fast. And for those who wants to get property, MAKE IT FASTER bcs PROPERTY REAL GAIN TAX is coming to town!!!..

Well in a way, I think those property seller will increase the price slightly to cushion their pocket to pay out the gain tax . Indirectly property price to go up also.

Sekejap tax free sekejap kena tax.. Wat the hell is this....... haiiiiiii

hi all, what is the best rate for apartment loan for 75k or below? any posibility to get blr -2.x above?

yes yes, i know since last monday, but this news yet to be confirm from the BNM Monetary policy meeting. And what i know is, some local banks will start on 2nd Nov 2009, and the rest maybe around 3rd, 4th or 5th Nov 2009.

looking for loan rm 115k for 30 years.

PM me.

wonder if this still applies: http://www.hlb.com.my/promo/pfs/housing/index.jsp?s=promo

tx

Hello leongal, I have pm-ed you. Please check your inbox.

i not sure the rate revision applicable to every bank or not, but i'm 100% sure that OCBC will discontinue all the promotion HL package at 3rd NOV 2009.

So far Ive got these numbers from agents

all these are ZEC, >300k

HSBC - SmartHome-i flexi, 35 years, BLR5.55-2.0, no MRTA, no interest acp
Affin - term loan, 35 years, BLR5.5-1.9, with MRTA, Interest cap@10%
CIMB - Flexi-i , BLR-1.95, with MRTA, cap@ 9.sumthing(cant remember)

Does anyone no banks that can offer better rates ? because Im still searching around. Im going to try and have a look at OCBC now. Im not sure how to try and negotiate to get better rates, is it possible?

This post has been edited by plankton: Oct 27 2009, 10:08 AM

The below are OCBC current HL offers:



Non – ZMC

1st 3 years BLR -2.3%

T/after BLR -2.4%



ZMC

1st 3 years BLR -1.7%

T/after BLR -2.4%



Features + T&C:

No prepayment restriction

No processing fees

5 years bonding

Early exit fee 3% on loan amount

Margin of finance 80%

MRTA optional



*current BLR 5.55%



* * * * * * * * * * * * * * * * * * * * * * * * * *



MLR Non-ZMC

MLR -1.3% Whole Tenure



Features + T&C:

No prepayment restriction

No processing fees

3 years bonding

Early exit fee 2% on loan amount

Margin of finance 80%

MRTA optional



*current MLR 4.4%


***RATES AVAILABLE TILL 3RD NOVEMBER 2009***

This post has been edited by abyss8: Oct 27 2009, 10:22 AM

Do all OCBC packages have max 80% MOF? bcause Im looking for 90%

i have got the letter offer & is process by the lawyer now, will this affect me too??

depends on property location and applicant profile, MAX is 90% MOF

nop, it won't. it only all affect new loan application after 3rd NOV

Hi all,

I am looking for a property loan and fast. Would prefer the items as below:

1) loan amount 125k
2) full flexi
3) no MRTA

Pls pm me soon or call 019-325 3350. Thanks in advance

justafriend, have contacted you. have a nice day!

Hi,
Can mortgage advisers pm me on various loan packages for following:

1. Loan 200-240K (Selling price ard 300K)
2. Loan duration ard 10-15 years
3. Foreigner
4. ZEC rate/ non ZEC rate
5. whether can offer 0% installment till completion/VP (ard May 2011)
6. Includes MRTA?

Would prefer agents with banks in Johor.



Cheers

Anyone intends to Refinance or taking up HL or TL, make it a.s.a.p. before month end.

There will be a significant changes in the property financing : No-ZEC, no more BLR - 2.XX%.

Hurry Up !!!

Ok ok, just submitted all my applications today.

say if i apply tomorrow will they accept my application for the old BLR? if not no point la... this thing no official announcement 1...

Recently got a mortgage for BLR -2.2% from Hong Leong. Loan amount 200k+, this is the flexi package where can use balance in current a/c to offset the loan principle interest. zero cost package too.

Good rate?

Some other buyers got up to BLR -2.8% from what I heard. But their loan amount is >300k

Flexi @ BLR - 2.20% is ok. As for BLR - 2.8%, sure or not???? Never seen nor heard it before.

Anyway get your application is a.s.a.p. as those will be things of the past.