met CIMB banker today and he check my pre - approved application. I can see from his PC 40@48 %. Angle not so good .


nway, he quote me ;

Property price = RM 301400

Loan = 90%

1st 3 years = Fixed 4.5%

Next = BLR-1.8

He said can help me nego with HQ to get BLR-2.2/2.0 . Hopefully can get

*BLR is capped at 10.75%



Any bank can counter offer this?

today continue my search and met banker form Maybank, HSBC and Bank Islam.

worst service from Bank Islam . maybank also so so. Only HBSC ok and friendly.

Maybank said they can match CIMB offer which is 4.5% (3 years) and BLR-2.0 thereafter.

Bank Islam rate is 2% (1 year), 5% (2nd year) and BLR-1.8 thereafter. Also got option to skip Nov and Dec payment.


Tomolo going to met banker from RHB and Standard Chartered. RHB HQ call n said no lock in period. Will see tomolo

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Added on July 27, 2010, 6:06 pmbro, have u tried CIMB? u can try nego to BLR-2.0 or better BLR-2.2

This post has been edited by saiga: Jul 27 2010, 06:10 PM

problem is the person who get BLR-2.15 never said when he get the loan .

100% house price? I dun think so. If 90% + 5% (mrta) + 5% (legal fees) then have.

For completed properties can if you ask the valuer to make it higher then seller price. Not sure if legal thou, but my
friend managed to do it with maybank n extra money he use to renovate the house

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Added on August 4, 2010, 11:17 pmbase on your income n also fixed monthly commitment (e.g. car loan,cc or personal loan).

gross income should include all. easy way just go any bank and ask them to do per-approved loan check.

it's free, but depends on the staff. sometimes they dun bother to entertain you much unless you bring along

developer letter n etc.

This post has been edited by saiga: Aug 4 2010, 11:17 PM

MALAYSIA BOLEH maaa...


p/s : ada wang, semua bole

No more ZEC. But you can finance the legal fees+MRTA@insurance into loan

Onli BSN give free loan agreement fees, but SPA still need to be paid by you.

maybank salesperson said to me maybank home loan fixed at 4% for staff (maybank islamic staff btw)

bro, your one -2.3 for whole tunure? mine they offer this rate for first year onli . next is -1.8 onli .

loan 280K.

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Added on August 7, 2010, 10:50 am
sorry, my bad

This post has been edited by saiga: Aug 7 2010, 10:50 AM

depends on your house price. best is to ask lawyer firm. I'm going to buy property around 304K. S&P fees and loan agreement fees around 8-9K . MRTA add more around 7K. Total almost 15K.

summore I need to pay 10% downpayment. Total 45K. Almost fainted at that moment


but since I prefer to have cash (15K) for emergency so I request the banker to include the amount into loan.

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Added on August 17, 2010, 10:11 pmchoose the one most convenience to go (near you house) or friendly banker

This post has been edited by saiga: Aug 17 2010, 10:11 PM