Welcome Guest ( Log In | Register )

Outline · [ Standard ] · Linear+

> SUGGEST ME BEST HOMELOAN IN TOWN, RM 170K - homeloan flexi+daily interest

views
     
atih007
post Jun 18 2008, 03:41 PM

Regular
******
Senior Member
1,612 posts

Joined: Mar 2005



QUOTE(tictactoe @ Jun 18 2008, 09:20 AM)
atih007,
meaning that it's no fixed rate, is it? (coz got BFR there)
what u mean by 5.05% in your earlier post?
did u refer to fixed rate?

tq.
*
6.75%(current BFR) - 1.7% = 5.05%

it's not fixed rate. im sorry for the confusion. thx for asking notworthy.gif
ed0gawa
post Jun 18 2008, 07:06 PM

coconut
*******
Senior Member
4,397 posts

Joined: Jan 2003




i know BLR is Base Lending Rate

erm ... BFR ?
atih007
post Jun 19 2008, 12:13 AM

Regular
******
Senior Member
1,612 posts

Joined: Mar 2005



BFR is Base Financing Rate.

it serves the same purpose like BLR but using different approach, Islamic way. afterall the figure will be the same as BLR.
hamster9
post Jun 19 2008, 01:30 PM

CFP
*******
Senior Member
2,251 posts

Joined: Jan 2003
From: on da move with 3G technology



QUOTE(tictactoe @ Jun 11 2008, 06:26 PM)
hi fren...
can u suggest me the best homeloan package in town now..
i m planning to buy a subsale house
so looking for a homeloan for about RM 170,000

my criteria is:

- lowest interest (off course lah kan.. hehe)
- preferably fixed interest (i know that the best maybe AIA and ING.. is it?)
- daily interest
- flexi homeloan (when pay more each month will deduct the principal of the loan so shorter the tenure period)
- can make payment more than once in a month
- can give higher MOF (maybe 90% or more...)

please fren,
share and suggest with me...

tq..
*
if you are planning to dispose the house within 5 years...

AIA can offer you 5.4% for first 5 years wink.gif

http://forum.lowyat.net/index.php?showtopic=713770&hl=

PM me your details nod.gif
smcg
post Jun 20 2008, 12:55 AM

Casual
***
Junior Member
331 posts

Joined: Jun 2008


tictactoe,
do research lar...
if parven offer is 1,2yr -2.2 thereafter -2.0 then u may can go 4 it.. coz it's damn cheap.. but read the t n c 1st!! some bank not allow u 2 pay more in the 1st 5 yrs.....
wat i know the cheapest 1 is eon o stand chart. they offer zero entry cost wif 1st 5 yrs -1.6 thereafter -2.2..
with 170k, 30yrs u may need 2 pay rm929 for 5 yrs n rm874 thereafter..
in my opinion, find the cheapest term loan interest then u can save more d...

This post has been edited by smcg: Jun 20 2008, 12:57 AM
ttwangsa
post Jun 22 2008, 01:51 AM

On my way
****
Senior Member
618 posts

Joined: Oct 2005
From: Puchong, Selangor


http://money3.com.my/MalaysiaFinancialTool...e&Islamic=False

30 year loan
789.77 p.m
year 1- 2 = BLR -2.30
rest = BLR -2.05
average int rate at blr = 6.75, 4.68 % (over 30 year)

this money3 site is great.
lets me view all my options.
hanif444
post Jun 24 2008, 07:51 PM

Regular
******
Senior Member
1,523 posts

Joined: Dec 2007
From: Puchong...



zero entry?
ckchew666
post Jun 25 2008, 08:33 PM

Enthusiast
*****
Senior Member
780 posts

Joined: Jan 2003
From: Pee-J




Maybe this will help:
http://www.money3.com.my/MalaysiaFinancial...der.aspx?SMId=1

1) BTW, may I ask what is zero moving cost?

2) I know some bank will charge 3 - 5% if you refinance your loan with other bank within 3 - 5 years, zero moving cost means we do not need to pay these extra charges?
ttwangsa
post Jun 25 2008, 08:36 PM

On my way
****
Senior Member
618 posts

Joined: Oct 2005
From: Puchong, Selangor


1. ZMC/FMC/ZEC, no need to pay laywer for loan agreement
2. you still have to pay
muscaa
post Jun 25 2008, 10:12 PM

Regular
******
Senior Member
1,223 posts

Joined: Sep 2005
I'm taking Maybank MaxiHome Loan
Non ZEC
BLR-2.30 (Tenure 20 years)
Can put in extra money
Can settle the total amount after 4 years


Syd G
post Jun 25 2008, 10:34 PM

Mom. Servant of God.
Group Icon
VIP
8,023 posts

Joined: Jan 2003
From: :: Cheras ::


muscaa, whats the amount of borrowing?
sosotomato
post Jun 26 2008, 12:37 AM

New Member
*
Junior Member
8 posts

Joined: Jun 2008
yah i'm quite curious to find out that myself ...
muscaa
post Jun 27 2008, 09:50 PM

Regular
******
Senior Member
1,223 posts

Joined: Sep 2005
QUOTE(Syd G @ Jun 25 2008, 10:34 PM)
muscaa, whats the amount of borrowing?
*
taking 220k
waiting for the offer letter
dont know it's a good deal or not
Syd G
post Jun 27 2008, 09:58 PM

Mom. Servant of God.
Group Icon
VIP
8,023 posts

Joined: Jan 2003
From: :: Cheras ::


Too good, I think. My branch can only offer BLR-1.65 max

You're not scared with the impending doom? That the BLR may increase?
Zarth
post Jun 27 2008, 11:06 PM

Getting Started
**
Junior Member
122 posts

Joined: Nov 2004
Dear all,

Here's the last chance for those whom are interest to lock in at the special promotional lowest Fixed Rate.

Click below for more details

Link to AIA Home Loan Rates Revision 14th July 2008

Thanks. Best Regards.

This post has been edited by Zarth: Jun 27 2008, 11:08 PM
muscaa
post Jun 29 2008, 12:49 AM

Regular
******
Senior Member
1,223 posts

Joined: Sep 2005
QUOTE(Syd G @ Jun 27 2008, 09:58 PM)
Too good, I think. My branch can only offer BLR-1.65 max

You're not scared with the impending doom? That the BLR may increase?
*
Scared lah, but dont care already as i badly need a house
Govt loan is the best lah, interest 4% only (I'm a Govt servant) but the developer gave me 2 months grace period only cry.gif
ed0gawa
post Jun 30 2008, 05:08 PM

coconut
*******
Senior Member
4,397 posts

Joined: Jan 2003




muscaa seems to get a pretty good deal for a 220k loan ....
-2.3%

Is that words from the bankers mouth? Or the loan has been approved by their authority?
eagle.ng
post Jun 30 2008, 05:26 PM

On my way
****
Senior Member
585 posts

Joined: Feb 2006
Anyone do the survey for alliance bank?
BLR-2.2% for 1st 2 year...BLR-2.0% for next....
Very flexible....
muscaa
post Jun 30 2008, 07:57 PM

Regular
******
Senior Member
1,223 posts

Joined: Sep 2005
QUOTE(ed0gawa @ Jun 30 2008, 05:08 PM)
muscaa seems to get a pretty good deal for a 220k loan ....
-2.3%

Is that words from the bankers mouth? Or the loan has been approved by their authority?
*
Awaiting for their offer letter.. Hope really can get the rate lah
ppguy2006
post Jun 30 2008, 09:40 PM

Getting Started
**
Junior Member
244 posts

Joined: Oct 2006
i got public bank , 1st yr-0% and BLR-1.9% after that for whole tenure

3 Pages < 1 2 3 >Top
 

Change to:
| Lo-Fi Version
0.0284sec    0.30    6 queries    GZIP Disabled
Time is now: 29th March 2024 - 01:14 PM