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

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jansen_chua86
post Jul 21 2009, 02:38 PM

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QUOTE(^chalaza^ @ Jul 20 2009, 12:30 AM)
Thank on ur feedback
OCBC seem to have best offer so far
BLR-2% for 1st yr BLR-2.3 thereafter..as my loan amount is small at $144k
I do not need the withdrawal option and hence feel the $10 monthly maintenance fee is unnecessary. (some are even making me pay $200 for account setup)
I plan to settle the loan within 10-15 years by making capital prepayments regularly from my bonuses & mthly income extras.
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I think it should be BLR-2 for first 3 years and thereafter BLR-2.3 for non zero cost thumbup.gif
jansen_chua86
post Jul 26 2009, 12:12 PM

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QUOTE(idoblu @ Jul 26 2009, 08:32 AM)
i wanted to try ocbc but decided to skip them when they awanted to charge me 1200 for valuation. Their rate not the best.  you can get -2.3% whole tenure from public. Public no need valuation but they do charge 50 for site visit which to me is excessive as well. They only need to come and take a picture thats it and i am just across the street from them
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For loan amount of RM 144k you can get B-2.3 for public bank??
Hmmm..... hmm.gif
Unless u r a grade A customer i presume

Added on July 26, 2009, 12:17 pm
QUOTE(Winning11 @ Jul 26 2009, 03:01 AM)
RM200? must be SCB.
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Hong Leong also got charge 200. Alliance didnt charge for their flexi package. nod.gif

Added on July 26, 2009, 12:22 pm
QUOTE(whojen @ Jul 23 2009, 02:58 PM)
Brother. it is not -2.5
It is fixed 2.5 first year
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are u talking about IdealMortgage
They use MLR instead of BLR
MLR is 4.7 right now
drool.gif

This post has been edited by jansen_chua86: Jul 26 2009, 12:22 PM
jansen_chua86
post Aug 28 2009, 02:11 PM

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QUOTE(alextcs @ Aug 28 2009, 10:29 AM)
Last night met with PBB housing loan agent, she offered me PBB flexi loan package BLR - 2.3, MRTA, ZEC, 30 years, loan amount 250k. Today she will submit to KL HQ for approval.

However, i heard that PBB's Flexi loan is actually not "Flexi"? Can some sifu here clarify it? The agent did actually introduce Term-loan (considered semi-flex) to me last night, but seems she willing to help me to "fight" for same interest rate as Term-Loan package, no reason why not for me to choose the flexi-loan package.

Thanks in advanced, looking forward for the explanation.
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Fully flexi can come with 1 or with 2 accounts (current account-Your housing loan is link to your current account given by the bank specially for your loan payment.) and semi flexi comes with 1 account .

Prepayment and withdrawal can be done for both products and the difference in it is the charges.You can do prepayment and withdrawal at anytime any amount without transactions fees and notice to the bank for fully flexi loan.

However,semi flexi need to give notice to the bank upon withdrawal (3 to 5 working days) and there are transactions fees (rm50 one time withdrawal as per PUBLIC BANK).

I can safely conclude for RM 250k flexi cannot get the rates offered by the agent.

For Flexi can try Standard Chartered but their rates are not B-2.3 being around B-2.2 for first 2 yrs and thereafter B-2.15 subject to appeal for better rates
Contact me at 0162605994 if you need any help on application of Standard Chartered loan
jansen_chua86
post Aug 10 2010, 02:08 PM

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Dear Sir/Madam,

Choosing a loan package is of fundamental importance especially recently as our BLR increases in proportion to the escalation of the OPR. Therefore please choose the home loan package with utmost consideration especially to the package type, the interest rates and the intention of you purchasing the property, be it for investment or own use , looking at the lock in period and the penalty charge involve.

Please consider OCBC's new package which is available for a limited time only.

New Package
1st 3 Yrs 4.15 fixed
4th Yr BLR-1.9
5th Yr BLR-1.15
Thereafter BLR-2.1

I can be contacted at jansen_chua86@yahoo.com or 0162605994.
Looking forward to hearing from you
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