Using the bank's panel lawyer will be ideal nowadays to cut down additional hassle and errors. Likewise, anything error will be bear by panel lawyer and bank. I had a close example where my client's loan agreement charges does not include charges to uplift title's restriction with land office and lawyer only noticed once after my client signed loan agreement. Therefore, bank have to bear the charges.

Everything seems to be fine. But however base on your salary also got to see how high is your commitment do define if you need co-borrower. So far for flexi I can get for a comparison of STC, Uob, and RHB as well. On loan tenure wise, it will be loan up to 65 years old max. See how old you are now. I'm a mortgage broker. Send you a PM of my contact. Interested can contact me.

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Added on August 24, 2010, 9:26 pm185k can get ocbc blr - 2.2% whole tenure. Hard to proceed BLR - 2.3% as not above 200k. interested can drop me your friends contact in PM.

This post has been edited by wilz: Aug 24 2010, 09:26 PM

Yea.. Uob the best if you want free valuation. However, most of the bank also give legal fee and valuation fee to be finance into the loan. Still nothin comes out of your pocket for the loan. See how you look at it.

For free moving cost, u can try bsn! But kinda lousy to me.

Ctibank rates not competitive, package not so competitive and very strict in terms of criteria. Very choosy in terms of customers as well.

Then lets join the fun!

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Added on September 1, 2010, 2:15 pmDear All,

My service is to help you to get the best mortgage deal disregard residential or commercial. A lot of you out there would like to source for the best offer in terms or margin (80%?90%?100%?), tenure (30,35,40?), legal fee, interest rate, and also MLTA. I'm a mortgage broker, so let me and my team assist you with our best effort and experienced. Giving you a hassle-less one stop solution.

These are the most competitive rates, (rest of the banks that I did not mention, we also able to provide you the service. Just ask..)

OCBC
a) BLR-2.3% whole tenure (300k above)
b) Yr1-Yr3 fixed 4.15% (300k below)
Yr4 BLR-1.90%
Yr5 BLR-1.15%
Thereafter, BLR-2.1%
UOB
a) BLR-2.2% whole tenure (100k above)
b) Yr1-Yr3 fixed 4.2%
Thereafter, BLR-1.9%
STChartered
a) Flexi BLR-2.1% (200k-500k)
Flexi BLR-2.2% (500k-800k)
Flexi BLR-2.3% (800k above)
b) Yr1-Yr3 BLR-2.3% (300k above)
Yr4-Yr5 BLR-1.3%
Thereafter, BLR-1.9%
RHB
a) Yr1-Yr5 fixed 4.15%
Thereafter, BLR-1.9%
EON
a) FDR+1% whole tenure (200k above)

Currently we are giving away give voucher from our own pocket as well! A small token appreciation of support, EVERY RM250k loan will entitle for RM100 petrol vouchers.
Still more to go, EVERY RM2000 MLTA's premium will entitle for RM150 cash rebate!

In order to qualify for gifts, all you need to do is email your details as of format to us at busymortgage@gmail.com,

Name:
Contact Number:
Property Address:
Property Price:
Margin:
Ideal Interest :
Tenure:
MRTA/MLTA:
Legal Finance: Yes/No

This post has been edited by wilz: Sep 1 2010, 02:22 PM

Pjusa, refinance within the same bank I don't charge cos even normal mortgage I don't charge. You can refinance to some other bank for better rate. But that also need to depend on how many years left in lock in period, then how much is the penalty if refinance to another bank, plus new legal charge if refinance to another bank. If all factors include and you think its considerable, by all means do it.

Even negotiate rates I can do but your loan still within lock in so RHB won't entertain. Normally, case like you, I will charge - difference percentage of old rates and new rates X total loan amount. Not everyone willing to pay that. =)


edited by b00n: Removed all the stupid "You got PMed!"
advice: this is not you personal selling thread. Even our sales section doesn't allow "You got PMed". PM is known as "Private Message" so keep it PRIVATE!

This post has been edited by b00n: Sep 6 2010, 04:59 PM

wilz,

u pmed those with >200k , y never pm me? 

Name: -as is-
Contact Number: tba
Property Address: f5l2, fuschia block, selesa hillhomes resort, bkt tinggi, bentong, pahang.
Type: 3r2b apartment, serviced n guarded.
B/up: 1240sqft
Property Price: 162k
Margin: 90%-100%
Ideal Interest : blr-2.2% or fixed 1-3/5yrs
Tenure: 40yrs
MRTA/MLTA: mrta (to finance)
Legal Finance: ZEC or to finance

Pls don't misunderstand me. Less than 200k also I will do, just that your property is out of klang valley and selangor. The loan need to be done properly with pahang branches. If you want my opinions I still can share with you. Cheers!

Wow.. So many home save agent here. Seems like you guys making here quite competitive. Cheers! =)

Correct me if I'm wrong. If zec definitely hard to get blr-2.3% base on the loan amount. Furthermore, ocbc will not give zec if blr-2.3%

Blr-2.2% max. Pls don't think of blr-2.3%. Very difficult task. Unless eon bank. Interested can talk to me.

Ocbc now with 300k loan fixed 1st 3 yrs is 4.15%. Highest fixed now is 4.4% by RHB and scb 4.3%. Still within range of blr-2.0% to -2.15% range. I would say still good offer. If you say pay high interest, depends on your perspective.

I ever qoute you a package?

All the banks have utilization fees or maintenance fees on flexi loan. Unless semi flexi.

Bro, details not enough. Buying a house? Shop? 95% mof is what being offered by developer? They don't require you to give 10%? What's the panel banks?

If you had see my previous post on rates, you won't have doubt. If your loan size is above 1 mill, I can help to deviate to a rate better than -2.4%. But if yours is just below 1mill loan size, you go which bank also blr-2.3% is the maximum, unless you're one of their priority banking customer. Standard chartered is aggressive, but now their underwriter will not allow appeal rates because of existing cash back promo given.

And for OCBC, as I remember only got semi flexi. No full flexi.

For your purchase of RM400k, SCB only able to offer BLR-2.2%. If you want a better rate why not try OCBC which offer BLR-2.3% for loan size above 300k.

Any particular reason? I could proceed application for you either SCB or OCBC. Do contact me if interested as my mortgage broker team is currently having cash rebate promotion!

Cheers!

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Added on September 27, 2010, 1:01 pmBeing a mortgage broker, I do feel that pros are definitely more than cons. Looking from customers or real estate agents perspective, it is easier to compare for rates and packages from every bank. Get one broker to answer all your questions rather referring to X numbers of bankers.

From loan application, mrta/mlta, to S&P and Loan Agreement is all being handle by one broker. It could be more hassle free when some experienced broker could analyze or read through your documents and let you know for any additional documents needed in case insufficient. Instead of straight into processing and being reject or KIV by bank and suffer the delay.

This post has been edited by wilz: Sep 27 2010, 01:01 PM

Hi,

For your understanding, when a bank doesn't offer loan to the particular development could be a reason that the location of development doesn't have good rating. This normally happens to foreign bank. Normally, bank that doesn't offer loan could be the reason of non panel or non ad-hoc. For a bank to offer loan, they gotta be ad-hoc basis or panel (under construction property)

When comes to quota, it is because a bank could not finance 100% of the development due to certain risk and policies. That's why you could see a list of banks that finance a project.

For a subsales purchase, shouldn't be a problem to any bank. Subsales purchase are open to most of the banks. even bukit beruntung or bukit jelutong which famous as failure area I could get bank to offer loan.

Should you have doubts with getting a loan, you're welcome to drop me a message or email. Thanks!

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Added on September 27, 2010, 9:34 pmWhich development? Under construction or subsales? Which banks being panel? Maybe I could help.

This post has been edited by wilz: Sep 27 2010, 09:34 PM

Damansara Perdana, MSQ Block D.. They should be having panel banks offering loan already. Why headache? What's the problem?

Hi, Suang!

I'm a mortgage broker but I do SME Loan and commercial loan as well. To clear your doubts, I don't need to charge you if I'm helping you to get your mortgage. I got paid by bank as well. We will only charge if you're getting SME loans. So you need not to worry. With our service, you don't need to put up additional effort to look for banker 1 by 1. In fact we'll help you to get the best quote.

What banker could offer, we could as well! Just that we got more options. Cheers!

This post has been edited by wilz: Sep 30 2010, 12:17 AM

How many valuation firm given you value?

I believe all Flexi loan have charges. If you want the monthly charge, why not go for semi-flexi? Only have charges when you withdraw, but withdrawal will be a hassle cos semi-flexi doesn't come with a current account. Withdrawal need to be done at counter.