Latest mortgage rate for housing loan packages, All Mortgagers are welcomed to post...
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 May 22 2008, 09:29 PM
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#1
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Junior Member
62 posts Joined: May 2008 From: KL  
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Non-ZEC: Type of loan packages: Flexi Loan (MortgageOne) Under Construction BLR-2.00% throughout Maximum year of tenure: Max 30 yrs up to 65 years old, self-employed up to 70 years old Completed BLR-2.00 thorughout Maximum year of tenure: Max 30 yrs up to 65 years old, self-employed up to 70 years old ZEC: Type of loan packages: Flexi Loan (MortgageOne) Under Construction 1st to 5th year: BLR-1.6% Thereafter: BLR -2.00% Maximum year of tenure: Max 30 yrs up to 65 years old, self-employed up to 70 years old Completed 1st to 5th year: BLR-1.65% Thereafter: BLR -2.00% Maximum year of tenure: Max 30 yrs up to 65 years old, self-employed up to 70 years old all the above rate is still can nagotiable depends on the loan amount. P/S: for ZEC min loan is 100k. For NZEC min loan is 40k This post has been edited by Errie: Aug 20 2010, 08:46 PM |
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May 23 2008, 07:49 PM
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#2
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Junior Member
62 posts Joined: May 2008 From: KL
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We can base on completed property to process your loan, we r accept temporary CF.. if without CF then must be treat is as 'under construction' property even it has been completed.
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Dec 19 2008, 02:53 AM
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#3
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Junior Member
62 posts Joined: May 2008 From: KL
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Hi, I am from PS, Standard Chartered Bank..I'm here again to sharing with u all, currently my bank is having a new interest rate on Normal Term Loan for completed property.. that is
ZEC (min loan size 100k) 1st-3rd year: 4.88% fixed Thereafter: BLR-2.2% Non ZEC (min loan size 40k) 1st-3rd year: 4.18% fixed Thereafter: BLR-2.2% This post has been edited by Errie: Aug 20 2010, 08:42 PM |
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Feb 23 2009, 12:36 AM
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#4
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Junior Member
62 posts Joined: May 2008 From: KL
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Standard Chartered Bank (current BLR=5.95%)
COMPLETED PROPERTY Convetional Term Loan (ZEC) 1st-3rd 4.88% fixed Thereafter BLR-2.2% MortgageOne Flexi Home Loan (ZEC) 1st-5th BLR-1.65% Thereafter BLR-2.00% P/S: For Flexi loan, the above rate is still can be negotiable depend on the loan amount and loan tenure. Please contact me if have any enquiries. Thank you. Regards, Seow Mun 012-2781125 |
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Mar 4 2009, 02:06 AM
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#5
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Junior Member
62 posts Joined: May 2008 From: KL
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QUOTE(DriedIce @ Mar 4 2009, 01:43 AM) Hi Danny, Hi, As per your 1st question, free moving cost is totally free. The only hidden fee is the bank service itself. It could be charges on every transaction or after a number of transaction or something like that. As for MortgageOne or Flexi Loans, it actually helps you save in interest. You won't see any difference if you keep paying the the exact amount of monthly installment. You won't even see any difference if you pay additional RM10 on top of your monthly installment (but it does affect it, just not that significant). The only obvious savings you can see is if your loan is 136k and you pay a huge sum of money like RM50k or more to actually see clearly that you ARE saving. The most obvious experiment is if you have 136k, you dump 136k you will see that no interest is charged.  As for your BLR @ 6.75%, the bank will revise it to the latest. Currently SCB is still at BLR5.95% but they will be announcing the latest BLR soon. If you are still interested in refinancing, you can give me a call @ 0123871138 and perhaps we can look into a few banks for the best interest rate.  FYI currently BLR in SCB=5.55% effective on 3rd March 2009 |
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Mar 4 2009, 09:34 PM
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#6
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Junior Member
62 posts Joined: May 2008 From: KL
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QUOTE(Eng_Tat @ Mar 4 2009, 04:30 PM) is the scb full flexi loan 5.55% as well, then it will be 5.55-2% = 3.55 for full flexi loan? Yes.. But not every loan size can get B-2%. If Non ZEC for sure can get B-2% min 40k loan for full flexi package |
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Mar 4 2009, 11:18 PM
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#7
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Junior Member
62 posts Joined: May 2008 From: KL
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QUOTE(Errie @ Mar 4 2009, 09:34 PM) Yes.. But not every loan size can get B-2%. If Non ZEC for sure can get B-2% min 40k loan for full flexi package ok.. pass me your document then i proceed the loan application for you... but u have to sign the application form for me.Added on March 4, 2009, 11:26 pm QUOTE(onlinefever @ Mar 4 2009, 11:03 PM) how long it takes to receive the loan instruction letter from bank? so that lawyer can prepare the loan agreement. been waiting for ages.. which is depends ur taking which bank offered.. for SCB will be take some times if ur property is completed property because we issue LI must tally with CV(certificate of valuation),Stamped SPA and RM200 set up fee being transfered(mortgageone package). To get CV from valuer normally take about 1 week... Stamped SPA is very hard to estimate the time because purchaser and vendor both have to sign only the lawyer can stamp it.Are u taking SCB housing loan? Mayb i can help u something to check on wat is the current situation? This post has been edited by Errie: Mar 4 2009, 11:26 PM |
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Mar 5 2009, 08:57 PM
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#8
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Junior Member
62 posts Joined: May 2008 From: KL
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QUOTE(Eng_Tat @ Mar 5 2009, 10:40 AM) oh ok, so monthly only rm10 extra on top of the interest, any charge for witdrawal? RM200 one-time set up fees (pay upon signing LO)No withdrawal fee... Mortgageone is fully flexi... |
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