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 Latest mortgage rate for housing loan packages, All Mortgagers are welcomed to post...

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carmentee
post Jul 25 2010, 06:32 PM

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From: kl
Dear all.. we know that ocbc previously was offered 4.15 fixed at 1st 3 years right now there offering fixed 4.4% for 1st 3 years and OCBC doesn't have Fully Flexi loan.they only sell semi flexi which withdraw need to give note and charge RM10 dollar per withdrawal.

currently our UOB offering package for fully flexi loan best rate .

For Fully Flexi package ( minimum Loan Amount is 200K )
1st 5 year BLR-2.1%
6-8yr BLR -1.55%
then thereafter BLR-1.90%

UOB New Package

For Semi Flexi package ( minimum Loan Amount is 100K )

1st 3 years - fixed rate at 4.20%
Thereafter is BLR -1.90%
Log in period is -5 years
Penalty -2% (on loan amount approved)


please feel free to contact me at carmentee@live.com

Thanks


--------------------
carmen tee

Mortgage Specialist
United Overseas Bank

Added on July 25, 2010, 11:34 pm

Residential
For Semi Flexi package ( minimum Loan Amount is 100K )
1st 3 years - fixed rate at 4.20%
Thereafter is - BLR-1.90%
Penalty - 2% (on loan amount approved)

For Fully Flexi loan ( minimum Loan Amount is 200k )
1st 5 years - BLR-2.10%
6yr to 8yr - BLR-1.55%
Thereafter - BLR-1.90%
Penalty - 2% (on loan amount approved)

if you want further information please feel free to conact me at carmentee@live.com

This post has been edited by carmentee: Jul 27 2010, 12:29 AM
carmentee
post Jul 27 2010, 12:36 AM

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183 posts

Joined: Jul 2010
From: kl
QUOTE(AlanPang @ Jul 26 2010, 07:24 PM)
U MAY CONTACT ME...

ALAN PANG 016 5988 379

OCBC MOBILE TEAM

Added on July 26, 2010, 7:31 pm
==============================

Hi Carmen Tee,

The charge per withdrawal is only RM 10/transaction.
Pls do more survey b4 talk bad about other bank...
U will mislead ppl if u provide wrong info.

For ur Full Flexi Loan, Can u let us know wat is the LOCK IN period?
Averagely is wat is the BLR rate?

Thank you
*
sorry. OCBC each withdrawal is charge RM10 and the interest rate is not 4.15 Fixed . currently is 4.4% fixed at 3 years.then thereafter BLR-1.9%.

UOB package
for semi flexi or fully flexi log in period is 5 years.
penalty 2% on loan amt.

BLR is 6.30%

thanks
carmentee
post Aug 10 2010, 12:10 PM

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Junior Member
183 posts

Joined: Jul 2010
From: kl
Currently our UOB offering new package


For residential house BLR -2.2% whole tenure ( more than 100k can apply )
For commercial shop or land or office BLR -1.9%


If you want further information please feel free to contact me at carmentee@live.com / 012 3565776


Thanks


--------------------
Carmen Tee

Mortgage Specialist
United Overseas Bank

This post has been edited by carmentee: Aug 10 2010, 12:16 PM
carmentee
post Aug 10 2010, 10:28 PM

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Joined: Jul 2010
From: kl

Bank: United Overseas Bank ( U O B )
Mortgager's Contact: 6012- 356 5776
Mortgager's Location: kl and sel

Non-ZEC:
Type of loan packages: Semi Flexi and fully flexi

Under Construction / completed property
Whole Tenure
BLR -2.2%
Maximum year of tenure: 40 years or age max 70 which ever lower

for commercial / land / shop
Whole Tenure
BLR -1.90%
Maximum year of tenure: 40 years or age max 70 which ever lower
carmentee
post Sep 24 2010, 12:46 PM

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Joined: Jul 2010
From: kl
Residential
For Semi Flexi package - 100k above
BLR-2.20%
Log in – 3 years

For Fully Flexi loan
BLR-2.20%
Log in – 3 years

Loan more than 300k above
BLR-2.30%
Log in – 3 years

Commercial,shop, etc
BLR-1.90%

If you require any further information, please feel free to contact me at 012-356 5776 (Carmen Tee)
Thank you and have a nice day wink.gif laugh.gif
carmentee
post Nov 19 2010, 12:48 AM

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From: kl
QUOTE(Justinexpressburn @ Nov 18 2010, 11:38 PM)
Anyway to refinance my fully paid apartment, valuation is RM70K. I need to loan RM50K. The problem is I don't have income tax and epf. How to go about in this case,
*
still can get the loan with payslip tally bank statement wink.gif

Added on November 19, 2010, 12:49 am
QUOTE(kok_pun @ Nov 18 2010, 06:49 PM)
what is the completion percentage as declared by the developer? if let's say 80 to 90% complete, bank will treat it as subsales and valuation work will be carried out
*
without CF cant do inspection wink.gif

Added on November 19, 2010, 2:58 am
QUOTE(water_sakana @ Nov 18 2010, 05:48 PM)
Hi, Can I ask the bank for revise interest rate if my loan still under locking period?
*
can..can have a drive
if they cannot try to do refinance if its worth nod.gif

This post has been edited by carmentee: Nov 19 2010, 02:58 AM
carmentee
post Nov 19 2010, 04:04 PM

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Joined: Jul 2010
From: kl
QUOTE(water_sakana @ Nov 19 2010, 12:36 PM)
One more help needed, can anyone share their sample letter to bank to request for revise interest rate? thank you very much
*
sample

To Whom It May Concern,

I would like to request that the interest rate on my loan be reduced. My current rate of <rate> is several points above national average rates and I believe my solid payment history over the last <number> months demonstrates my value to you as a customer. I also believe that my credit rating has increased since I originated this loan.

Thank you in advance for your attention to this matter and please do not hesitate to contact me if you require further information.

Name
Signiture

Address
Phone Number
Email Address
Account Number

hope this can help you

carmen tee yee ping
012 356 5776

Added on November 19, 2010, 4:05 pm
QUOTE(vong @ Nov 15 2010, 07:50 PM)
Hi,

For property under construction, need to check for the project whether it is our End Financing project. Could you send me the developer's name and project name?

UOB do offer Semi Flexi and Full Flexi loan.
Interest rate is usually fixed upon tying up project with developer.
Loan tenure can go up max to 40 years or Age of 70.

Please personal email me if interested to know further.

Thanks.

Warm regards,

Vong Nyee How
012-8560466
vongnyeehow@live.com
Mortgage Specialist
United Overseas Bank (M) Bhd
*
haha.. rclxm9.gif

This post has been edited by carmentee: Nov 19 2010, 04:05 PM
carmentee
post Dec 1 2010, 11:47 PM

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From: kl
QUOTE(kok_pun @ Dec 1 2010, 10:16 AM)
haha +1
*
haha +2
carmentee
post Dec 4 2010, 02:05 AM

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From: kl
QUOTE(water_sakana @ Dec 4 2010, 01:57 AM)
Re-Financing Home Loan

Property price : 253K
Home Loan Outstanding : RM197K
Loan Margin : Highest possible
Loan tenure : Longest possible (current age = 34)
Property Status : Completed
Property Location : Puchong
MRTA/MLTA : Not decided yet

Can offer me an attractive package?

Current home loan bank had offer BLR - 2% (Previously is BLR - 1.35%) with 5 years locking period, is it a good deal?

I had some queries which need advice, the bank officer had informed that the monthly installment after the revised interest rate is a bit higher than before revised, can anyone explain to me how the bank calculate this.

Besides that we had advance payment of RM15K in the account but why they don't take consideration in calculate the monthly installment?
*
Hi sakana please check your PM smile.gif



This post has been edited by carmentee: Dec 4 2010, 02:06 AM
carmentee
post Dec 8 2010, 11:10 PM

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From: kl
forum bankers and brokes are always providing good service to customer
i use one word to explain our effot

"" Desperate In Sales ""

woorayyyyyyy wink.gif

carmen tee

Added on December 8, 2010, 11:11 pm
QUOTE(vong @ Dec 7 2010, 10:52 AM)
This is the biggest problem when a customer think that a banker is representating for the BANK. Customer never realise that bankers are actually lawyers for them for loan approval.

Customer (Defendent), Bank (Judge) and Banker (Lawyer), as you can see, Banker's job is overlook at the Banking line industry.

Banker will always give them their best service and best package they can offer to help their customer. But it is the Bank (Judge) to decide which offer and package to give to customer. Since every bank got their own policy, a Banker can't give all what a customer wanted. Banker (Lawyer) don't create the policy, they assist and help to overcome the policy.

I have an experience a customer made an appointement with 3 Bankers from other banks at the same time and ask them all together what we can provide, I just left them alone and told the customer, only contact me again if only you seriously respect a Banker as a Lawyer to help you. If a customer doesn't know how to respect a banker then there is no point to go further.

A smart and knowledgeable customer will never blindly to choose a loan with only the best interest rates for housing loan. There are so many things to consider for a housing loan.

By the way, most VIP borrowers do actually consider better services rather than interest rates as they know, trust, product knowledge and service is the VALUE that they want from a Banker, not PRICE.

When you look at the VALUE, you dont look at the PRICE;
When you look at the PRICE, you dont look at the VALUE

Anyway, just a humble opinion from me.

I dont mean to point to anyone, just to share to everyone that sometime things doent look as it seem to be.

Cheers

VONG NYEE HOW
012-8560466
vongnyeehow@live.com
Mortgage Specialist
United Overseas Bank
*
what happen here???? few days nv check forum .. so many surprise here

This post has been edited by carmentee: Dec 8 2010, 11:11 PM
carmentee
post Dec 13 2010, 08:40 PM

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Junior Member
183 posts

Joined: Jul 2010
From: kl
commercial rate

blr-2.00
log in 3 years
margin 85%
tenure: 25 years

more than 1mil
no log in
other is same as above

kindly pm me if you are interest
carmentee@live.com
012 3565776

This post has been edited by carmentee: Dec 13 2010, 08:40 PM
carmentee
post Dec 25 2010, 09:26 PM

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Junior Member
183 posts

Joined: Jul 2010
From: kl
QUOTE(jeghui @ Dec 25 2010, 03:42 PM)
Hello everyone,

I'm looking for the best financing package:

Property details: Spira, TTDI Alam Impian
Developer: NAZA TTDI
Landed, completed with CF.

Sale price: RM431,000.
Loan req: 90%+5% Flexi 40-45 years

Please let me know. thanks
*
hi jeghui

please check your inbox message

smile.gif
carmentee
post Dec 29 2010, 12:08 AM

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From: kl
QUOTE(jason1986 @ Dec 28 2010, 08:29 PM)
can any bankers here contact me? i'm working for a lawfirm and can introduce clients.

maybe we can work together.

currently got 1 subsale case handled by me. purchaser looking for home loan with urgency.

kindly pm me for more info.
*
nod.gif hi

ok
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