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Latest mortgage rate for housing loan packages, All Mortgagers are welcomed to post...
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b00n
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 Nov 4 2008, 12:06 AM
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delusional
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QUOTE(jascheng @ Nov 3 2008, 11:56 PM) hi all, im jas from price solutions, the subsidiary of standard chartered group. if you guys interested in housing loan, feel free to reach me at 0125879488 or email me at jascheng31@hotmail.com our bank have the best rate in town. and now it's the right time to refinance your house. so why wait? It would be much helpful if you publish the rate here instead of asking one to contact you. At least it the first point for them to compare. That's also the purpose for this thread. Dear all: Next advertising post would be deleted.btw, if only this thread gets more informative than I'll consider pinning it up. So guys, pls post constructively. This post has been edited by b00n: Nov 4 2008, 12:39 AM |
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b00n
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Nov 5 2008, 11:41 PM
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delusional
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QUOTE(IceBikers @ Nov 5 2008, 11:33 PM) i don understand refinance?can i get loan from refinance?? let say house price 200k ++ already 2 years.. , can refinance borrow me 100k+ so the total loan would be 300k++ ? is it like htis? No. Scenario A: No loan. So refinance here meant that the house is placed as a collateral to the bank for a loan up to a certain value of the property. Scenario B: Outstanding loan is RM200k. Property value is RM220k. So refinance here meant that you borrow from another bank at the property value of RM220k. So if the bank lends you RM220k (which a lot of time wouldn't be the case), RM200k would go to settle your previous loan and you'll have excess RM20k. Ppl usually refinance because of interest rate savings and also in case they need extra cash. This post has been edited by b00n: Nov 5 2008, 11:41 PM |
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b00n
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Dec 5 2008, 10:13 AM
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delusional
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We'll see mostly BLR either to be at 6.5% or 6.55%.
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b00n
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Jan 11 2009, 09:27 PM
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delusional
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QUOTE(onlinefever @ Jan 11 2009, 04:54 PM) could anyone here please explain the difference between term loan+overdraft and flexi loan? what's the benefit of both package? Here's couple existing topic: http://forum.lowyat.net/index.php?showtopic=555063&hl=http://forum.lowyat.net/index.php?showtopic=703776&hl=http://forum.lowyat.net/index.php?showtopic=725102&hl=http://forum.lowyat.net/topic/559259And if we're talking about realestate.net.my, below is a couple of links. QUOTE(b00n @ Nov 17 2007, 03:48 PM) If you guys really wants to know more, I had previously engaged in a huge debate with some in realestate.com.my There's one forumer there which I deem quite good in his analytic skills: marxdean. Quite informational from him if you can understand his points: http://realestate.net.my/forum/viewtopic.p...6651&highlight=http://realestate.net.my/forum/viewtopic.php?t=6445http://realestate.net.my/forum/viewtopic.p...7555&highlight=Gosh I do miss this marxdean guy. Long time didn't see him there; thus I retired also.... A good devil's advocate. This post has been edited by b00n: Jan 11 2009, 09:31 PM |
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b00n
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Jan 14 2009, 10:35 AM
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delusional
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QUOTE(onlinefever @ Jan 14 2009, 10:16 AM) which bank offers the best rate now for zero package? Every bank and their agents would tell you they offer the best rate. However, it is your responsibility to do research and compare for yourself. |
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b00n
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Feb 2 2009, 01:44 AM
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delusional
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QUOTE(kucaixx @ Feb 2 2009, 01:15 AM) also looking for loan now.. hv a query on full flexi loan, in case we withdraw back the extra payment we've made from our acc will it increase our principal.. not sure how current acc work.. anyonce care to advise.. Refer back the links I posted back in: http://forum.lowyat.net/index.php?showtopi...post&p=22903244 |
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b00n
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Apr 4 2009, 06:19 PM
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delusional
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QUOTE(onnying88 @ Apr 4 2009, 05:30 PM) Ya, the statement will let you know everythings. But do you believe that people from a very famous Mortgage loan Consultant (the name start with 'S') tell me and every one that bank statement is fake and there will be always a hidden statement that bank never let us know. How radiculas is that. They keep on say that Flexi loan is useless in saving interest. They are saying that because if everyone takes up Flexi, their business future is jeopardised.  |
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b00n
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May 11 2009, 10:07 AM
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delusional
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meejawa was trying to explain that "Full-Flexi" advance payment/prepayment/extra payment (which the term doesn't matter if it's a flexi loan, it would matter than for conventional though) should directly offset the principal instead of interest.
Thus he's asking those wanting flexi facility should really check out and understand the loan structure and how it works.
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b00n
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May 17 2009, 11:37 AM
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delusional
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ZEC is the acronym for Zero Entry Cost, meaning to say one doesn't need to pay legal fees for signed agreements/papers. MRTA & MLTA is different insurance type. Read more here: http://forum.lowyat.net/index.php?showtopi...hl=mrta+vs+mlta |
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b00n
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May 18 2009, 11:38 AM
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delusional
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QUOTE(dreamer101 @ May 18 2009, 10:53 AM) All, Could someone please tell me what kind of housing loan that we have in Malaysia?? Is it a recourse loan or a non-recourse loan?? A non-recourse loan means that if you do not pay your housing loan, the BANK can ONLY take away your house. The BANK cannot go after any other of your asset. http://en.wikipedia.org/wiki/Nonrecourse_debtThanks in advance. Dreamer It's a non-recourse until the day they sue you for bankruptcy. |
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b00n
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May 18 2009, 09:19 PM
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delusional
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@Dreamer Not that good with law terminology. But going by that, every loan is a recourse loan than as everyone has the opportunity to sue a person for bankrupt in the event that the debt is at the minimum of RM30k. |
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b00n
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May 22 2009, 09:59 AM
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delusional
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I've just merged some of the related flexi threads together. So you guys might want to continue there if we're going to debate about the loan structures and all http://forum.lowyat.net/topic/555063 |
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b00n
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Jun 16 2009, 02:01 AM
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delusional
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QUOTE(yunalesca @ Jun 12 2009, 04:06 PM) First 3 years interest by developer: Jun 09 -> Jun 10 : No need pay bank Jun 10 -> Jun 11 : No need pay bank Jun 11 -> Jun 12 : No need pay bank Jun 12 -> Jun 13 : 0% First year = No need pay bank Jun 13 onwards : BLR - 2. Start pay bank loan. Is this correct? Sounds good. Usually this offers is for under-con development. I.e. during the under-con period; developer would pay the interest charged. |
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b00n
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Oct 4 2009, 09:31 PM
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delusional
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QUOTE(Xai-V-iaX @ Oct 4 2009, 09:17 PM) Hi, I'm currently considering to buy a house, I have a list of houses with different prices ranging from RM450K-RM600K. I'm not sure how much I am entitled to loan? Any financial consultant can help me out???? You do not need a financial consultant. You can basically ask one of the mortgage sales representative or roughly state some details here and others can help figure it out for you. How much you're entitled is based on your salary, your DBR (Debt Burden Ratio), LTV (Loan To Value), etc... Obviously final approval still depends on the banks check on the valuation of the property and your credit evaluation. |
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b00n
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May 13 2010, 10:10 PM
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delusional
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@ R o Y
READ THE FIRST POST.
This is not your personal topic.
Do that again and you'll be suspended!
There's no need for stating the obvious of "PM'ed you" sine you have already PM'ed the fellow!
This post has been edited by b00n: May 13 2010, 10:11 PM
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b00n
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Sep 6 2010, 04:59 PM
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delusional
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Removed all the stupid "You got PMed!" by "sellers"
Advice: this is not you personal selling thread. Even our sales section doesn't allow "You got PMed". PM is known as "Private Message" so keep it PRIVATE!
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b00n
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Jan 4 2011, 12:00 AM
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delusional
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Since no one ever reads the 1st post and the warning stated there anymore, I shall proceed to close this topic thanks to all the stupid "You got PM" replies!!Anyway, I've created a pinned topic at the right sections: i.e. classified sections: https://forum.lowyat.net/index.php?showtopic=1702463So anyone who wants agents to PM them the latest loan package may go post there. To the AGENTS: Read the 1st post there for once! Now you may go "hunt" for your business there! This topic is officially closed!
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