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

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leongal
post Oct 26 2009, 08:14 PM

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looking for loan rm 115k for 30 years.

PM me.

wonder if this still applies: http://www.hlb.com.my/promo/pfs/housing/index.jsp?s=promo

tx
leongal
post Nov 3 2009, 09:42 AM

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my mortgage broker submitted my case to OCBC last week, and he got back to me saying that the bank needs 1-2 weeks to process because they have 284 cases submitted. Really, I have to wait so long to process?
leongal
post Nov 4 2009, 09:12 AM

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QUOTE(hAnn @ Nov 3 2009, 06:49 PM)
mine only took 5 days, if minus weekend, only 3 days  rclxms.gif submitted las friday. ocbc too.

cheers.
*
wow....i nit to check with my mortgage broker...mine was submitted on thursday/ friday

Added on November 4, 2009, 10:02 amIs it the case that response will be slower if we apply through a broker than a banker?

This post has been edited by leongal: Nov 4 2009, 10:02 AM
leongal
post Nov 4 2009, 11:25 AM

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QUOTE(onnying88 @ Nov 4 2009, 10:57 AM)
Actually broker or banker it's the same, it's depend on how them want to make it fast or not only. But sometimes others causes may delay the process like the bank internal system or your doc not complete.
*
when i apply thru broker, i can only follow up with broker? can i follow up direct to the banker? seems like my broker doesn't want to give me the banker's contact....
leongal
post Nov 4 2009, 11:37 AM

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QUOTE(abyss8 @ Nov 4 2009, 11:35 AM)
even if you go to the bank and talk to a banker there, they can't do much for you. They only can see your application status. The broker/agent is the one you should chase around. if he is an agent/broker dealing with alot of bank, then may God bless you.
*
means take longer time?

anyway, they only apply for me one bank....

can i call the hq of the bank to check my application status?
leongal
post Nov 5 2009, 01:16 PM

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wat are the rates for cimb home loan now for loan amount less than rm150k?
leongal
post Nov 6 2009, 12:02 AM

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QUOTE(hkway @ Nov 5 2009, 12:49 PM)
Hi,all.

I notice the terms & conditions in the most letter of offer from bank (eps. in appendix attached) stated that they have the absolute discretion to vary the terms & conditions of the facility from time to time during the tenure.

Dunno why got such an unfair clause . IS IT MEANS THEY HAVE RIGHTS TO DO ANYTHING THEY WANT ???
*
I was wary of this issue too when i was asked to sign the loan application form

http://forum.lowyat.net/topic/1210033
leongal
post Nov 8 2009, 04:03 PM

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standard chartered's KLIBOR rate still available?
leongal
post Jan 7 2010, 02:50 PM

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OCBC Banker(s), I would like to ask: Once my loan is being disbursed to the seller's bank, in the online system, it would be indicated by the "due date" appearing? Is it possible for me to call up the customer service to check if the loan is being disbursed, instead of ringing up the lawyer (always engaged on line)?
leongal
post Jan 7 2010, 09:13 PM

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QUOTE(Zack Styler @ Jan 7 2010, 03:10 PM)
You should have received some statement stating the amount of money being released to the developer..
*
thanks....but i am thinking of a faster way smile.gif
leongal
post Feb 1 2010, 03:55 PM

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is the maybank fixed rate tenure up to 10 years something exclusive from maybank? or, other banks doing it too?
leongal
post Feb 3 2010, 05:31 PM

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is there anyway i can check my first drawdown amount from ocbc bank (besides calling my lawyer)? I called the customer service, they say they don't have access to the letter of advice.
leongal
post Feb 3 2010, 10:56 PM

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QUOTE(jarjar6666 @ Feb 3 2010, 10:34 PM)
leongal, I also took OCBC. They sent me debit note when the first drawn down has been done on 12/1/10. I also follow up with my OCBC loans agent.
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Thanks.

Can you remember how many days did it take for your first draw down after OCBC receive the letter of advice from the lawyer to release to loan?

At least you got the help of your OCBC loan agent, I did it with a mortgage broker, he can't get the figure for me....
leongal
post Feb 4 2010, 12:19 AM

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QUOTE(jarjar6666 @ Feb 3 2010, 11:27 PM)
The advice to release loan reached OCBC on 5/1 and the bank sent the cheque to lawyer on 12/1. About 5 working days.
*
thanks jarjar6666
leongal
post Feb 4 2010, 11:11 PM

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hi! I want to know if I can get the direct contact of an OCBC banker, without going through the customer service at 1300....?
leongal
post Feb 10 2010, 02:42 PM

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QUOTE(giggs_509 @ Feb 10 2010, 08:14 AM)
hi, how long bank need for disbursement from the date of signing loan agreement? and when will be the 1 loan payment? 2 weeks from sign loan agreement?
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disbursement depends on how long it takes for your loan lawyer to settle those documentation for the bank, probably 1-2 months

first loan payment starts the first day of the following month after the first drawdown

And, I am talking about subsale
leongal
post Feb 10 2010, 03:02 PM

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QUOTE(giggs_509 @ Feb 10 2010, 02:58 PM)
how about buying from developer, meaning not subsale? disburse time shorter is it? is it possible the disbursement settled in 2 weeks as the bank is the panel bank with the project? or shortest is 1 month?
*
hey, not sure cos never buy from developer b4

but i read this book: http://www.kedaibuku.com.my/index.php?page...uemart&Itemid=3

title: Buying Property from Developers

you might want to get it, i think it explains there
leongal
post Feb 26 2010, 10:58 AM

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after the first drawdown, though I saw it is reflected in my online banking and thru its customer service, the drawdown is reflected, but I haven't receive the drawdown letter! will i receive one soon?
leongal
post Mar 29 2010, 02:00 PM

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wta - is there a revision of loan interest rate beginning next month?
leongal
post Apr 8 2010, 10:19 AM

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QUOTE(eteractive @ Apr 8 2010, 10:16 AM)
so meaning, property valuation is added into my loan amount?

if i were to borrow RM400,000 and valuation is RM20,000. so my loan amount is RM420,000?

the downpayment i need to pay is RM40,000 or RM42,000?

i heard that i need to pay the 10% downpayment (to owner) + RM20,000 property valuation (to bank) which is RM60,000. That's a lot!
*
downpayment is paid to the seller not to the bank...i think
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