Any banker here, please pm me your best loan package
.Thank you very much!
Latest mortgage rate for housing loan packages, All Mortgagers are welcomed to post...
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 Jul 6 2009, 11:14 PM
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#1
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Junior Member
139 posts Joined: Apr 2006 
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I'm going to buy an apartment. I will borrow 215K.
Any banker here, please pm me your best loan package .Thank you very much! |
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Jul 18 2009, 09:57 PM
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#2
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Junior Member
139 posts Joined: Apr 2006
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I have talk to PBB banker. He say we cannot pay installment before due date.
The money paid before due date is consider prepayment. On the due date, we still need to pay monthly installment. Any PBB banker/borrower here. Is it true? Thank you! |
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Jul 18 2009, 10:58 PM
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#3
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Junior Member
139 posts Joined: Apr 2006
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QUOTE(idoblu @ Jul 18 2009, 10:26 PM) all these terminology is very confusing. to me making I see. In this case, we cannot pay our monthly installment early to save some money on interest. payments before due date is called "prepayment"? anyway from what i understand, it is correct - any extra monies, or payments before due date is consider as principle reduction. you still need to make your monthly payments when due.   |
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Jul 19 2009, 08:45 AM
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#4
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Junior Member
139 posts Joined: Apr 2006
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QUOTE(Invinsible-Pp @ Jul 19 2009, 12:19 AM) you can save interest but different bank offer different package....In your case, yours is not a flexi loan. Generally, PBB only offer term loan. It is a semi-flexi loan Therefore, pay before due date is consider prepayment. When you take up this loan, did the banker tell you what kind of loan is this...term or flexi// . I can do prepayment (principal deduction) without a need to inform bank.I also can withdraw money provided 2 days notice (RM50 charge/withdraw) to bank. I dont want fully flexi as it will charge me monthly fee and I dont need the withdrawal facility anyway. |
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