when applying your home loan also make sure you can easily access the banking facilities later on when want to pay the installments, if you overlook this you might end up spending more going to the bank from your office/home just to do the payment. it happen to me wif my car loan with muamalat bank. 

hi merce,

i would like to ask some questions about OCBC home loan semi-flexi.

1. what is the difference between capital account and advance account  in term of functions and interest calculation?

2. if my installment is RM600, can i pay in stages i.e RM200 per week before the due date?

3. if i want to pay more to the principal do i need to inform the officer in the counter?

appreciate your reply.

Just to share after going through a lot of hassle the best rates i have found so far are

HSBC : blr-2.2 , ZEC, 7 years lock, No MRTA required
SCB: blr-2.15, ZEC, 5 year lock in, No MRTA required

Good luck guys

Maybank has revised their BLR rate to 5.80% effective tomoro...
Wonder when other bank will follow suit?

SOS...

hsbc also increase

haha better point them out to me when we meet 

-2.4!!

What are the T&C? You might want to read them properly

wat is ZEC, ZMC and margin mean?

Hi, I have purchased a 2nd hand d/s terrace. Please pm me loan packages with complete details. Thanks!

Property price: 365k
D/payment: 10%
loan amount: 328500
type: d/storey, 2nd hand unit
blr - 1.8 and above
loan tenure 30 years above

Dear Banker, Mortgage, Properties adviser,

Would like to consult with you.
BLR -2.++ package usually for loan amount tht more than 500k?

I went to a new development (condo) yesterday.
The sales assistance told me tht for condo then least than (or around) 250k, the "-" BLR rate only can remain at 1.8/1.9 (1.9 is the best tht they can do)

and we (buyer) are not advise to get the loan from outsite
(wht is this... :S, the guy want to earn the $ with cheap package it's?)

Please advice

Property price: 325k
D/payment: 10%
loan amount: 295k
type: s/storey end lot
blr - 1.8 and above,
Prefer 1st-3rd year with low interest, 3 years lock in.
loan tenure 30 years

It is good to buy MRTA for 10 year only ? Can I buy again MRTA after 10 year ?

any lenglui mortgage / home loan agent here?

Zeti hints at higher interest rates

Bank Negara Malaysia said it may increase interest rates further to avert asset bubbles and discourage risky investments by people seeking better returns, even as inflation will likely remain "modest" this year.

"We will review the conditions at our next monetary policy meeting and work toward further normalising if necessary," governor Tan Sri Dr Zeti Akhtar Aziz said in a March 12 Bloomberg Television interview in Kuala Lumpur. "Inflation will continue to be modest and therefore it would not prompt us towards tightening, but that does not preclude that we will continue to normalise interest rates."

Hey, all.
Please advice.
Loan amount: RM125K
Loan tenure: Either 20 or 25 years
Type: Double Storey

Which bank has the best deal.

Hi Sifu,

Need advise.

Read BLR is going up trend.

Being offered for 500K loan:-

1) 3.75 Fixed NZEC 3 yrs

2) -2.05 ZEC 5 yrs

3) -2.25 NZEC 5 yrs

Is it worth to go for ZEC? Else EC about 10k.

Not sure how to calculate.

Can somebody enlighten me?

Thanks!!!

Mr Roy,are u a property negotiator?

Hi Roy,

No worries. I'm glad and appreciate your advise.

This was told by a friend not a banker.

That's why I want to know.

What about 1 and 2?

Is it worth to pay EC for fixed 3.75%?

Hi all,

Please help me out here. Foreigner investing in JB property.

Type: 2 storey unit under construction; completion by this year
Cost: RM540K
Loan amount: 85% of property cost
Loan tenure: 20 years

So far, this is the loan package i've gotten from other agents -

1) BLR - 2.1% (Flexi)
2) 1.88% (Fixed for 1st year); Second year BLR - 2.0% (Fixed for rest of the loan tenure)
3) 4.99% (Fixed)

Can anyone please advice which package should I take up? If there are better ones out there, please kindly share with me.
Right now, I'm also stuck between taking Flexi or Fixed loan. The fixed loan may seem higher right now than Flexi, but I believe that the BLR will rise in no time within the next few years and it might end up being higher than the fixed %?

Can anyone help and advice? You may contact me directly at desireeyeo86@gmail.com. Thanks!

Hi Roy,
What is the difference in interest if the loan is lower than RM150K? I am looking at 2 apartment in USJ1 area which both around RM100K only. What is my loan package will be like?

hi guys,
need some help to get a home loan that suite me.
price: rm 1.00m
loan : 80%
tenure : 30yrs
type: second hand condominium(free hold)
location: penang gurney drive

looking for flexi type which allow me to full settle hopefully within 5-7yrs later without penalty.
which bank have best offer? with zero cost entry?

also wanna ask should i buy MLTA or term?

hi guys,
need some help to get a home loan that suite me.
price: rm 1.00m
loan : 80%
tenure : 30yrs
type: second hand condominium(free hold)
location: penang gurney drive

looking for flexi type which allow me to full settle hopefully within 5-7yrs later without penalty.
which bank have best offer? with zero cost entry?

also wanna ask should i buy MLTA or term?