Latest mortgage rate for housing loan packages, All Mortgagers are welcomed to post...
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 Apr 5 2010, 08:32 PM
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#1
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Senior Member
593 posts Joined: Feb 2007 From: Merseyside  
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ATTENTION ALL MORTGAGE LOAN BORROWERS!
DO YOU KNOW? -When the BLR fluctuates, your housing loan will be affected in terms of repayment and tenure to be serviced. HOW TO TAKE CONTROL? - PM me for more details. P/S: Only serious inquiries will be attended. Since housing loan is a serious money, I hope you treat your inquiries seriously too. Thanks.  |
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Apr 10 2010, 09:14 AM
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#2
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Senior Member
593 posts Joined: Feb 2007 From: Merseyside
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QUOTE(may123 @ Apr 10 2010, 02:47 AM) Hi, I would like to get advise on housing loan. Offer 1 is -2.1% from start till end?Loan amount = RM288k, 30 years Offer 1: -2.1%, lock in period 5 years. Offer 2: 1st - 3rd year -2.3%, 4th - 5th year -1.3%, thereafer -2.3%, lock in period 3 years. Which offer is better? Thanks  But even if so, i'll still take offer 2. This is because only 2 years with -1.3%. The rest all are -2.3%. In fact, when you applied for 30 years, it is not guaranteed that you'll finish paying back all in 30years, it'll extend further. |
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Apr 25 2010, 07:09 PM
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#3
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Senior Member
593 posts Joined: Feb 2007 From: Merseyside
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QUOTE(pilotHans @ Apr 25 2010, 03:49 PM) my banker so lansi one.......haih...........sometimes i feel he takes it for granted.......no updates, never calls me..... Bro, I see quite a few mortgage brokers here in this thread. the problem is, thats among the local banks that i is convenient 4me..........i have no choice.....(it seems only this bank deals with my property address + gives me the value that i want) ............................................................. story 1 - the banker - he even tried to con me with giving false table......... he has a simulator........... one is 30 years......... one is 35 years........ i notice that the 35 years interest is lower......... turns out that his simulator/paper he gave me is for 30 years only...the header shows 35 year....mrta for 35years rate...but the details up to 30years only.. at 1st i tough maybe the 2nd paper was missing......but it clearly states the interest up to the 30th year only......... + i sms him some questions and he never seems to reply............ xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx story 2, why bankers/agent/ brokers tend to keep quit after we give all our details/forms b4 meeting, call a thousand time......after meetup, the quit.........no update....after i sms try ask, suddenly say didnt go thru........why dont they have the effort to call me and explain what happen.............I feel Conned to give my details to strangers........  i know they might be legit agents but hey, if it seem they are only after my money and don't care attitude after they cant get mone.. ....it's just sad...........so far i have yet to find any good agents/bankers etc.........i sense that all are Sharks  where are the decent people in this world anymore LYNers like R o Y and another few are getting good reviews or comments by other forumers. Why don't you give them a try? At lease better than suffering from other outside agents. Just my 2cents. |
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May 14 2010, 03:01 PM
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#4
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Senior Member
593 posts Joined: Feb 2007 From: Merseyside
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QUOTE(Syd G @ May 14 2010, 02:51 PM) If your S&P is not signed yet then it's considered as pre-approved, you can still haggle. an interest rate of 0.1% can cost a bomb over a span over 20-30 years.But you chosed Maybank because of their high valuation rate, NOT BLR-1.9% financing rate. So why does the 0.1% make any difference anyway? It does make a difference. |
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