Hi,
Bankers from PBB, please PM me.
Property - Under Construction
Apartment Cost: RM231,800.00
Loan Amount: RM200k
Yrs Tenure: 30yrs
Prefer ZEC.
Latest mortgage rate for housing loan packages, All Mortgagers are welcomed to post...
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 Dec 12 2009, 03:06 PM
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#1
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Junior Member
427 posts Joined: Jul 2006  
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Apr 6 2010, 01:51 PM
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#2
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Junior Member
427 posts Joined: Jul 2006
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Got my loan offer today!
OCBC Bank Tenure: 30 yrs Loan Amt: 200k Interest Rate: MLR-0.75% |
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Apr 7 2010, 03:25 PM
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#3
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Junior Member
427 posts Joined: Jul 2006
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QUOTE(caineoff @ Apr 6 2010, 07:35 PM) congratses... If not mistaken, it should be under ocbc ideal mortgage. Didn't really look into the package name. LOL not sure on if it's recommended but I feel that it's ok with me as the OCBC personnel explained that basically the MLR will follow how BLR has gone up but usually will be lower BLR. But after -0.75% it'll still be the same as BLR-1.9%.ocbc ideal mortgage? is it recommended to everyone?  She also mentioned bout it being where repayment will be more or less depending on currently MLR rate where as for BLR, if the rate goes up and down, the excess will be paid after the tenure ended. QUOTE(imax80 @ Apr 6 2010, 08:33 PM) is that fix rated? MLR of course not fixed, will flunctuate. -.75% is fixed la.QUOTE(R o Y @ Apr 6 2010, 10:20 PM) Congratz, that's a good package. Current effective interest rate of only 3.9% and also only 3 years lock in and 2% penalty. Advice you to take it. hey Roy,I can also arrange loans for OCBC, and also offer choices with many other banks. Anyone who's interested, please call/sms/email/pm me for more info, I'll try to help you in anyway I can. Regards, Thanks for the thumbs up. Yup, only 3 yrs lock in n 2% penalty. I feel that the rate is quite good. Switched to OCBC because one of the PBB's staff (currently resigned and switched to SCB), is irresponsible and didn't want to help me to change panel lawyers as developer's offering FREE Legal Fees if I use their panel lawyer. She kept insisting that the developer maybe cheating me but HELLO, developer already sent out an incentive letter saying that they will bear legal fees IF i use their chosen panel lawyer. DUH. Ok nEvermind, lucky OCBC is approved.  and FYI, she didn't even wanna pick up my phone when i told her that i wanna change lawyer. Very bad attitude. |
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Apr 24 2010, 03:57 PM
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#4
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Junior Member
427 posts Joined: Jul 2006
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QUOTE(ummul21 @ Apr 21 2010, 10:26 AM) Hi All, You should refer to your S&P, there should be a schedule of % of payment that buyer has to pay to the developer. There will not be a date but i guess when they need the 2nd % to be paid, a formal request will be mailed to you.Need some clarification on downpayment... If lets say I apply loan for 85% from bank... and already paid 10% downpayment to the developer (for in-construction house)... When should I pay the balance 5% to the developer... Can I wait until the house fully completed (with CFO) or should I pay immediately? Regards, |
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May 18 2010, 09:42 PM
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#5
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Junior Member
427 posts Joined: Jul 2006
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QUOTE(Savor_Savvy @ May 18 2010, 09:15 PM) b is definitely not it. not sure bout c, but for a, my fiancee and i, our combined basic salary is around rm4k and we applied for rm200k. the reason is due to i just started work 4mths ago. Well, you probably have some commitment somewhere else, like a car? |
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