ALLIANCE ISLAMIC PRODUCTS


Zero Entry Cost



Loan amount below RM300,000

1st year - 3.00 % p.a
2nd year onwards - B-2.15 % p.a

Loan amount RM300,000-RM800,000

1st year -2.75 % p.a
2nd year onwards -B-2.25 % p.a

Loan amount RM800,00 above

1st year -2.65 %
2nd year onwards -B-2.35 %



Lock-in period- 5 yrs/3 %

MUDHARABAH Current Account- PROIT RATE CAPPED AT 0.05 % p.a

Loan tenure- up to age 75 years / 35 years tenure, whichever is earlier


`LETTER of Offer via my hand guarantee will come out as above, if any parties does not bliv, try to summit via me..tq
Beside this we as well offer flexi and term loan with ZERO ENTRY COST.

PM me for more info, question are welcomed



--------- Faint not , Fight on-------------------

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Added on July 11, 2009, 11:12 am
What's the maximum loan margin for this package?

[/quote]

90 %
if u are having more than 3 properties, im sure banks will slash ur margin. applied to all banks
if there is a banker cant answer this question, u might as well forget about applying loan with him.

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Added on July 11, 2009, 11:29 pm[quote=Homerun,Jul 11 2009, 12:13 PM]helo.. anyone can comment how long will a bank loan lawyer takes to process the documents till completion? is it possible to settle all the stuff in 2months? thanks

[/quote]

usually 1 to 3 months but if the banker is aggressive enough, the period of waiting will be shorten.
There is no exact answer for this matter, but if u think u r waiting too long for it...CALL THE BANKER AND PRESSURE HIM.. lol

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Added on July 11, 2009, 11:29 pm

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Added on July 11, 2009, 11:12 am
What's the maximum loan margin for this package?

[/quote]

90 %
if u are having more than 3 properties, im sure banks will slash ur margin. applied to all banks
if there is a banker cant answer this question, u might as well forget about applying loan with him.







This post has been edited by Invinsible-Pp: Jul 11 2009, 11:29 PM

[Pressure the banker konon,
don't teach ridiculous thing to people la.
We got many thing to do, not just 1 case, dozen bro!!!
make the banker angry he straight reset case, do slow slow... who suffer?
the loan applicant!
You talk nicer to banker sure they progress faster. Give them candy!!! To be frank, 1 day also can approve la.
My girlfriend approve 30 minute!!!


Dozen of cases huh???....if im a customer, i will ask u to stop the application, there is still thousands of banker around.Since u r sooooooo busy, den i refer it to another banker. aint that better for both of us? Now u r the consumer or the banker??...if the banker want sales from u, you must afraid he angry at you??..haha..joke!!

Applicant will not suffer if he found aggressive banker, who are very good in dealing with time but once you got banker that give excuses say they busy for this n that, too many cases to submit or treaten to reset ur case...... ASK THEM SHUT UP ,DEN START LOOKING FOR ANOTHER BANKER!!!!....

NOW who is teaching ridiculous thing???....Bro, be a smart consumer la..but too bad u r a banker

yea.... You are correct if dignity can become rice for you to eat. I am not asking you to be a dog but just provide better service for any customer that u served. Everyone will upset if loan application is going too long, so what they will do is call the BANKER--this is just soooo normal. If you dont like customers calling you to ask about the loan process or you intend to reset whoever calling you to fasten the process, then what attitude you are giving out..huh/
let me tell you den, YOUR ATTITUDE IS JUST LIKE WHAT U SAID ABOVE '' attitude so F*** ''

with no offense and if there is any..I apologize for that

Chill...

The weekly installment plan is UOB's banker best selling skill....If you really understand it and count it out properly. Eventually, you will understands what it is..... Briefly, this whole plan is asking you too pay twice a months. if im not wrong they called it forth ninely or something like that...

blr and bfr is not much different.....the reason why Islamic package is complicated is because they dont call it interest, they called it profits.

BFR in islamic package will only increase till 9.99 if one day the rates for lending fly high..on the other hands, blr will fluctuate in according with the economic or market condition.

Basically, both islamic and conventional loan are the same.

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Added on July 18, 2009, 8:43 pmOCBC are really throw cheap package out there
this is a really good deal but i think this a term loan instead of full-flexi.

what onnying said is true, check the terms and conditions. the lock-in period i dont think is only 5 years 3 percents



This post has been edited by Invinsible-Pp: Jul 18 2009, 08:43 PM

you can save interest but different bank offer different package....In your case, yours is not a flexi loan. Generally, PBB only offer term loan.
Therefore, pay before due date is consider prepayment. When you take up this loan, did the banker tell you what kind of loan is this...term or flexi//

144k only also can get -2.3 from pbb....other banker eat shits den =.=

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Added on July 26, 2009, 12:17 pm
Hong Leong also got charge 200. Alliance didnt charge for their flexi package.

nope...they still charge the setup fee RM200......the monthly RM10 waived

very good deal
what is your loan amount///............SC love customers with huge loan amount...

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Added on July 29, 2009, 2:38 amTAIKO.....option 2 is certainly not a good choice. personal loan will made u pay 99 interest, even thou not tai eee long/ loan shark.

This post has been edited by Invinsible-Pp: Jul 29 2009, 02:38 AM

LOL....hahahahh... so the upgraded package is -0.1% , 5 years lock-in and discount 1 ringgit

Usually bank wont do much to retain customers, very true.....

both also not that good, i think you can still shop for a better home loan out there...Since your name is Winning, why take up LOSING loan

what is your loan amount......
try hlb or ocbc....but ocbc only worth if u take up FINANCE ENTRY COST package, just my thoughts la

lastly, dont just look at rates, TERMS and CONDITIONS are equally important

noooo.....remember full flexi loan's interest always lower if compare to term loan....So you must know which type is ur prefered.
Flexi loan not only can dump ur savings to reduce interest or tenures..there is still many more benefits. In another words, flexi loan is same as term loan, it juz than when u dump ur money inside , u can withdraw anytime (full-flexi).

For some rich invester, they said flexi loan is a kind of loan that applicant have right to decide how much interest will forgone to bank....thus, BLR-how much is not important for them/.....

In Malaysia, nearly all the conventional banks all selling flexi loan but most of it are not that flexi at all.
SCB - Mortgage One & KLIBOR Mortgage, HSBC - Smarthome, HLB - Flexihome, UOB - Home Flexi, ABMB - Save_link_, CIMB - Flexihome, Ambank - OneAccount

So far for Malaysian banks, i've noticed only CIMB and Alliance Bank having flexi loan. However, lately, CIMB has replaced the flexi loan with flexi islamic loan where there is a cap on the interest rate. Others are just semi flexi but there still some im not yet fully understand 'how flexi it is''

hmmm..quite true, i have some typing mistake there...sorry for the mislead.

The T&C is the reason why i dont think it is Full-flexi....I miss out 2 more banks, Maybank and PBB definely not flexi enough to called Flexi-loan.....Current account link with the loan does not mean flexi. My point of view, Flexi is means withdraw process will not be hold by any means. ABMB's term loan also have current acc which attached to loan but the withdraw of money must be a minimum of RM5000...thus, it is known as Term loan or conventional because it is not flexi for people who dont have 5k in it. If a loan is link with a current acc then it is called flexi, they might be very confuse to client who needs to withdraw money often.

this is base on my experience with banks, ABMB, CIMB and HLB are full flexi.....EON bank im not sure bout it, but i will find out soon, few of my frens jumped to EON.

Onnying, corrent me if im wrong too, thanks for sharing

the lower i mean actually is BLR-''lower compare to term loan''.....

Eg; Assuming loan amount and package are same... flexi loan will have blr-2, while term/conventional loan will have blr-2.15

Sorry if i confused you...

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Added on August 4, 2009, 12:57 amthere is no max or min benefits.....put in extra money eventually will reduce ur interest charged by bank...300 is doing good, if u put in more of course it will be better.....the best is put in 157k, immediately 0 interest..lol...just joking
seems like this offer u got is better than what u get previously

This post has been edited by Invinsible-Pp: Aug 4 2009, 12:57 AM

checked but im not sure bout your bank (OCBC)........my bank, Term loan is term loan and flexi is flexi.....no doubt bout that.....so far until today, term loan is still manage to get a better rate compare to flexi loan. confirmed

i do agree with what merce said....perhaps,flexi is just a features added extra. What im trying to say is term loan will always get a better rate compare to flexi....but that does not mean flexi is terrible.
thanks for sharing, you guys just thought me some new things, the things which is viewed from ur angle.

fixed by bank negara but subject to commercial bank....current blr is 5.55 ''most banks''