Will be purchasing a 2nd hand condo within this week. This is my second purchase. Looking for a competitive flexi loan. No lock in period preferred.

Loan amount: RM270k (90%)
Tenure: 20-25 yrs
Market valuation of the property: RM330K

PM me if interested. Thanks.

anyone know which bank could offer home loan tenure until 70 or 75 years old?

OCBC package sounds good. Need more details. Any OCBC mortgage consultant here?

Dear all.. we know that ocbc currently is offering 4.15 fixed at 1st 3 years but OCBC doesn't have Fully Flexi loan.they only sell semi flexi which withdraw need to give note and charge RM25 dollar per withdrawal.

currently our UOB offering package for fully flexi loan best rate .

For Fully Flexi package ( minimum Loan Amount is 200K )
1st 5 year BLR-2.1%
6-8yr BLR -1.55%
then thereafter BLR-1.90%

UOB New Package

For Semi Flexi package ( minimum Loan Amount is 100K )

1st 3 years                  - fixed rate at 4.20%
Thereafter is BLR    -1.90%
Log in period is        -5 years
Penalty                      -2% (on loan amount approved)
please feel free to contact me at carmentee@live.com

Thanks
--------------------
carmen tee

Mortgage Specialist
United Overseas Bank

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Added on July 25, 2010, 11:34 pm

Residential
For Semi Flexi package ( minimum Loan Amount is 100K )
1st 3 years                  - fixed rate at 4.20%
Thereafter is            - BLR-1.90%
Penalty                      - 2% (on loan amount approved)

For Fully Flexi loan ( minimum Loan Amount is 200k )
1st 5 years          - BLR-2.10%
6yr to 8yr            - BLR-1.55%
Thereafter          - BLR-1.90%
Penalty                      - 2% (on loan amount approved)

if you want further information please feel free to conact me at carmentee@live.com

Is it a Zero Entry Cost package? Full flexi? How much is the early settlement fee? What is the available loan tenure?

If this is OCBC's package, the UOB would be better since its BLR-2.2 for the entire tenure. What are your terms and conditions?

Dear agents,

Pls help quote housing rate for :

Cost : RM500k
Tenure : 30y
Location : K.Kemuning, F/H
Preferance :
- FULL flexi
- with MRTA
- legal
- 90% (+5%)
- NO hidden cost
Pls provide proposal

hello guys, just need some help on the calculation.. let say
1-3 yrs = 4.4%
Thereafter = BLR - 2.1%
Lock up period is 3yrs
Max. margin is 90% + 5% (MRTA)
Property price = RM500k
Here are my questions.

1. MRTA for 100% coverage on 450k is RM15k per person. if the loan is taken by 2 person and i want to both to have 100% coverage, then the MRTA is RM15k x 2 = RM30k. Am i correct on this? is it advisable to have 100% on both parties?

2. base on the above figures on the max margin. Max margin 5% (MRTA) refers to 30k x 5% = RM1.5k(this is the max amount u can add to your housing loan)? or i can actually ad the whole lump sum 30k to the 410k ending up 440k as the full loan figure?

am intending to purchase a house around rm600k vide subsale.
agent confirmed bank can give valuation at rm570k.
any agent from any banks are welcomed to PM me your best rates.
my initial thoughts are going with financing from insurance firms vide their fixed rates scheme such as lock-in 30 years 5.25%.
i have previous loans with OCBC which i find their service is average at best. am considering banks such as cimb, hlbb, maybank, ocbc too.
would also appreicate if forummers can advise me the total fees expected from my purchase and loans eg. stamp duty, legal fees, etc.

Dear ALL Mortgage Consultants,

I came to know that for Islamic financing, Musyarakah Mutanaqisah (MM) is much better than bay’bithaman ajil [BBA].

I am looking for more than 500k home loan.

I was recently offered bfr-2.35 whole tenure (40 yeARS) but it is based on BBA concept.  Previously I didnt know the differences between BBA and MM. As such, I am now STARTING to look for MM based loans. I believe not all banks are offering MM based loans.

Please PM me if you can offer me MM based loans with attractive rates.

Hi,

I'm eyeing on second-hand landed house valued at 400k. It's around 5 years old.
Just a few questions that I would like to ask on mortgage rate, as well as others

1. May I know if there is any bank that will be offering 10% downpayment and 90% loan? Please PM me if you have too

2. If yes, what will the package looks like, I'm looking for 30 years tenure.

3. A bit out of topic, but how much will those legal fee cost approx?

Thanks
-first time house buyer-

Property price : RM 193,000
Loan Margin : RM 130,000
Loan tenure : Longest possible (current age = 24)
Property Status : Sub-sale. Condo (12 yr old, strata title in progress)
Property Location : Seri Hijauan Condo, Shah Alam, Seksyen 26
MRTA/MLTA : Prefer MLTA (have life insurance)
Additional Info : Looking for best interest rate + other benefits.