Hong Leong Bank offers up to BLR - 3.30% on the first year during your loan tenure. Of course there are T&C like >500k and Non-ZEC. I've dealt with the bankers and most are negotiable based on market rates. So if you found rates better than HLB's (after considering T&C), they are ususally willing to give you a bette deal.

I've emailed you with the details. Do check it out. I offer a mortgage broker service. So if you encounter a better deal do inform me and I can negotiate with the bank.

I've pm-ed you my offer. Please check your inbox =)

I believe the large sum you saw is based on the ceiling profit rate on the IFR (they cannot call it interest) for islamic calculation. So its based on the maximum amount the IFR can fluctuate (normally 9.55%).

This 1 mil+ sum is the maximum amount you will pay. Your total paymen after should be ~780k right?

DinKnight, I've sent you a PM. Do refer =)

Hello leongal, I have pm-ed you. Please check your inbox.

justafriend, have contacted you. have a nice day!

ZEC/NZEC may have been revised. But most banks will finance the cost into the loan for you.

Anyone looking for property financing, feel free to pm me or sms if you have any queries.

Veejay, I've pm-ed you. Check your inbox? =)

I'm sure the banks will be finding a way to get around the -1.8%
Perhaps with different wording, rebate or other incentives.

Happy to quote. Check your inbox =)

I've pm-ed. Check your inboxes?
Any enquiries feel free to PM me =)

Pm-ed you guys. Please check your inbox.

Hello Minolta, I've pm-ed you my rate =) Do check your inbox.

Happy to quote. I've pm-ed you -Wu- =)

I can offer 30 year tenure with MRTA, financed entry cost.

As for personal loan, it can't be packaged with the housing loan. Perhaps some friendly personal loan bankers could lend a helping hand?

Anyway, pm-ed. Checked ur inbox =)

Good morning hbh60 and intrigue. Will be advising you by PM. Check your inboxes!

Wow! Traffic really clear in pj today =)

Hello lonelyplanet92, I've pm-ed. Please check your inbox =)

Hi guys! Will be pm-ing you shortly. Do check your inboxes!

Hope to get a reply from you soon.

Cheers!

PM-ed

Banks always factor in the legal fees and stamping duty when they offer zero moving cost and zero entry cost.