is there any bank still giving ZMC housing loan???

hi sifu's

is the interest rates going to drop ?

Sorry as im a noob in property.

i am buying a completed double story terrace in subang jaya
selling price 380k
intend to loan 150k
tenure 15 years
prefer conventional loan.

i got a quotation from standard chartered
year 1 = 1.88%
year 2 to 5 = blr - 2%
year 6 onwards = blr - 2.2%

Buying a second hand unit condo
Value: RM157k
Downpayment: 10%

I wonder all the banks offered same package and interest rate?

Can you PM me the monthly repayment, inclusive of MRTA, breakdown of all fees in the package.

First time purchaser.

thanks!

MLR is somethings new interest calculating from OCBC. You may try it out as their offer is not bad with shorter lock in and lower penalty. But i think it's have to get Zero Entry Cost.
If you interest with Zero Cost Package, i can help you to apply

Hi bankers,

Please quote me

Price: 360k
Area: Gombak (Double Storey terrace house )
Tenure: 30 ~ 36 years
MOF: 100%
Loan type : Islamic
I need to find out:
- Bank with attractive housing package (BLR or FIXED rate)
- ZEC and the terms
Thanks in advance.

Hey! I'm thinking to purchase a property and the agent told me that I'm required to pay property valuation. What does it mean by that? Can anyone explain in simple terms

Need to pay RM20K for the valuation!

ok, let say the property price is RM400,000. i'll just need to pay RM40,000 to the agent/owner right?

as for the property valuation, how much would that be usually? and i need to pay the bank? meaning i'm paying more than 10% of that property i'm purchasing?

i always thought that i need to pay 10% + lawyer fees. i'm new to this area. sorry and hope you can explain. thanks!

Question here, what is ZEC? And what do you guys mean about Penalty & Lock down rate?

I need advise.
I just bought a condo, loan 300k from ambank, interest rate now is BLR+0%. locked down another 2-3yrs.
And plan to buy another landed house 380k.
Sold old house (not the condo) , and will be getting my 200k soon.
What should I do with the 200k?

1) should i use 200k on landed house and loan 180k?
2) should i dump 150k in ambank linked account to reduce interest $ on principal ? and get 90% loan for the landed house ?

option 1) ease on monthly repayment, option 2) save interest on condo, bcoz condo interest rate package is BLR+0%
Pls advise.

hi there, i'm planning to get a condo soon and since i am putting in about 50% dp, i only need a loan of about 100k. Any idea which bank gives the best rates and yet is flexible?