haha my prediction was correct in regards to Bank negara fixing the rates
refer to thread page 44:D wakakakaka

i didn't see the offer letter myself... its still unbelievable to me
the lending bank was UOB.

i'm from UOB before i join OCBC, i never heard this kind of thing from my friend (ex-colleague).

Looking for an offer for the following:

1. Property Value : 200k
2. MOF: 90%
3. Period: 30 yr
4. Flexi : Flexi (for the ability to pay down sooner, no OD or redrawing req'd)
5. Lock-in period : max 5 yr

Please contact with details, looking to decide by end of week. Thanks

hi.. thinking of re-financing my home..

market price around 240- 250k ...

offer me something pls...

err ... can i choose my own preferred bank or you'll give a list for me to choose from... really blur...

thx

I am looking for a house loan around RM170k.. please recommend me the best rates..
dunno whether i am eligible for the loan since only 9 month in workforce.. just graduated last year...

could anyone enlighten me on these house loans?

Yes, you may choose your prefer bank, but your prefer bank might offer you as good as others. So you may be consider others if the offer is better.

For you loan size, you can get about BLR-1.8 to BLR-2 for full flexi loan and BLR-2 to -2.1% for semi flexi / term loan.

You may pm me your prefer bank and i can check the package for you.

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Added on October 28, 2009, 5:31 pmHow about your credit record? if there is some record and it's nice, i don't think there is any reason you can get a loan approve
But make sure your income is not more then 1/3 of the monthly installment. (add in others commitment if have. e.g car loan)
For RM170k loan, BLR-1.8 for 30years, your monthly installment will be around RM788.
So to be safe your income should have 3 times of RM788.

Let me know if you need any help in choosing the package or bank.

Goodluck.

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Added on October 28, 2009, 5:32 pmDo you have any prefered bank? Maybe i can provide you the info of package you need.

This post has been edited by onnying88: Oct 28 2009, 05:32 PM

hi, does all the banks hav same criterias to lenghten loan tenure exceeding 30 yrs?

i was surprise to hear dat they require borrower to hav diploma to do dat...

need to know which bank dun hav this criteria.

n is it all the banks dislike borrowers whos free of any sort of loans?

OCBC does.

not bank dislike people who is free from any loan. it is because the bank can't track your ccris score. if you can provide at least diploma and say that you are fresh graduate, the bank will consider with lower mof of 80%. if you have at least has a credit card for more than 6 months, the bank will give 90% loan.

thx for the prompt reply.

so say if im not a diploma holder, im free of any sort of loans. i want mof 90%, i want loan tenure of 35 yrs.

any suitable bank?

Alliance Bank, CIMB, Maybank. the rest i not really sure.

PM me your loan amount you want to borrow and location of property.
I am the agent of RHB, Standard Chartered and OCBC.

All PM replied.. Thanks onnying88 for the reply...

I got BLR-1.85 for 30 years, monthly 766... loan MOF 90% (ZEC)... from CIMB...

Any bank can beat that? Is it possible for me to get 95% loan?

It's sub sales unit or new launch project? If it's sub sales, maybe you can try check value from others bank and see any of them can get higher value for you or not. Higher value = higher loan amount you may get.

Don't get confuse from some bank broucher as writen 95% margin loan. As it's normally 95% as in 90% + 5% (the 5% is for MRTA).

I got offer from PBB, MBB, UOB and SCB all -2.1 and above. This is last week. I would think -1.85 is not good enough because CIMB offered me this too

yea among all banks i hav tried, cimb offered lowest -1.95... unless u r under their corporate scheme such as petronas then onli can go up -2.05

oh.. thanx 4 the info guys.. i still trying to contact other bank as well... quite busy at the moment... someone pm me stating that the loan rate will be different next week as BNM is going to control the rates..

izzit true? will the home loan rate be higher than current one?

oledi proved that it's a rumour:-

http://www.theedgemalaysia.com/personal-fi...n-of-banks.html

It is a rumour for the standardasation of interest rate package but it could be true that bank will revise their interest rate.

yes indeed. i can say all bank will revise their rate. maybank will start today, heard from my fren, is there any MBB banker here? PBB will revise on 2nd nov....