Latest mortgage rate for housing loan packages, All Mortgagers are welcomed to post...
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 Mar 10 2009, 03:03 PM
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#1
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Senior Member
3,318 posts Joined: Dec 2004 From: 1Malaysia   
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QUOTE(meejawa @ Mar 10 2009, 02:50 PM) Oh, btw, there are many banks who will disregard your other commitment (ie your properties financed by other banks). This is one of the "loopholes" I took full advantage of earlier. Not sure if it's still the same now... interesting? Which FI is this?   |
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Apr 7 2009, 04:56 PM
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#2
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Senior Member
3,318 posts Joined: Dec 2004 From: 1Malaysia
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QUOTE(onnying88 @ Apr 6 2009, 01:44 AM) Waiting Bank Negara or any financial parties stand out and ask 'S' to stop the joke. a bit hard for BNM to act unless SUPEX dare to make all these claims in writing.  So far they only talk kua........ how to charge a small ciku fella without concrete proof.  |
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Apr 7 2009, 11:41 PM
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#3
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Senior Member
3,318 posts Joined: Dec 2004 From: 1Malaysia
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QUOTE(onnying88 @ Apr 7 2009, 08:26 PM) But it's been long time they in business already. More and more innocent victim cheated with their hard earn money. RM1500 + 1.5% loan amount as their consultant fee... how radiculas is that =.=" Wouldnt say cheated coz if they practised what SUPEX told them they could save thousands. The victims were being stupid, thats about it.  |
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Apr 30 2009, 07:58 PM
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#4
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Senior Member
3,318 posts Joined: Dec 2004 From: 1Malaysia
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QUOTE(DriedIce @ Apr 30 2009, 12:53 AM) Hong Leong bank dam tight on approval. =/ damn right. Defo one of my least fav bank  |
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Jul 5 2009, 03:46 PM
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#5
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Senior Member
3,318 posts Joined: Dec 2004 From: 1Malaysia
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QUOTE(kimhoong @ Jul 5 2009, 02:40 PM) Questions: 1. This is subjective, as both has its own advantages. However personally I think its better to be a single borrower especially when your co-borrower is your GF only. No point getting her involved as things could get messy if things didnt happen as what u both has planned in the future.1. Is one borrower alone better than joint? 2. If I am getting BLR-2.3% as joint-borrowers application but BLR-2.2% otherwise, which one is better? PS: sorry for the layman terms 2. Honestly, 0.1% diff is really just a few dollars a month. No point losing some sleep over this. btw, think your banker here is being plain lazy and refuse to resubmit your case again. USUALLY, rates are normally determined by loan size AND the competing offers, not the credit worthiness of borrower(s). This post has been edited by Pai: Jul 6 2009, 10:26 AM |
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Jul 8 2009, 06:19 PM
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#6
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Senior Member
3,318 posts Joined: Dec 2004 From: 1Malaysia
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QUOTE(toto4d @ Jul 8 2009, 08:10 AM) Guys, toto,Need some opinion on whether it's ok if I purchase a house based on following condition: House Price : 300k Saving : 20k EPF 2nd Acc : 20k Monthly Income (after tax and epf) : 7k Monthly Installsment based on (30year, 290k, 3.5%) : RM 1.3k Other debts : none Age : 26 I plan to buy the house for own stay, replacing my current rented room (RM 530/month), also prepare for my future family. Currently I plan to fork out 10k from Saving, and if needed, also the 20k from EPF for the downpayment. The monthly installment shouldn't be an issue. I know that my current saving level is not healthy, as I only start savings few months back, so I am a bit concern whether now is right time for me to go on to purchase the house? Or should I save more before I commited? Also I also concern if I bought this house, with my profile, would I able to buy another house in 2-3 years? Oh ya, I forgot to ask the main question as I post this in this topic : Any recommendation for bank loan? Currently I am considering Maybank, 1-3 years : 2.38%, 4year and above : BLR - 2.0%. how much can you save every month now? |
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Jul 8 2009, 08:02 PM
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#7
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Senior Member
3,318 posts Joined: Dec 2004 From: 1Malaysia
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QUOTE(toto4d @ Jul 8 2009, 07:42 PM) Around 2k. Then think you better save some $$$ 1st. If 2k savings p/m is your best effort, make sure you have around 40k savings before you make the plunge. Btw chief, 5k monthly expense for a single 26 yr old chap is rather high. Maybe you can figure out a way to reduce expenses and at least save 3.5k p/m. IMO, if you can save 3.5k p/m now, then you can comfortably afford the house now. Good luck  This post has been edited by Pai: Jul 8 2009, 08:04 PM |
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Jul 9 2009, 01:07 PM
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#8
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Senior Member
3,318 posts Joined: Dec 2004 From: 1Malaysia
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QUOTE(toto4d @ Jul 9 2009, 12:56 PM) Thanks for advice. Ya, 5k is a bit too much, probably too much travelling. Will have to cut my travelling and see how it go. 3.5k should be an achievable target. Alrite, think i better be more discipline in saving. Good Btw, do u understand the logic of why you need to save 3.5k p/m for you to be able to afford the house now?? |
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Jul 9 2009, 01:29 PM
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#9
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Senior Member
3,318 posts Joined: Dec 2004 From: 1Malaysia
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QUOTE(toto4d @ Jul 9 2009, 01:11 PM) I just think that if I can save 3.5k p/m, then after the loan repayment, I still can save 2k. Then it should be ok to continue grow my saving. Is this the logic? Thats right. No point splurging and buying a house now when you cant even safe money later. U dont want to put yourslef in a really vulnarable situation. Beiing able to save 2k a month after all commitments will put you in a rather comfortable situation. Btw, u should also consider fully utilising your EPF account 2 balance for your purchase. That way you dont touch your emergency savings. |
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