Standard Chartered Bank
Non Zec
90k loan
BLR-2% throughout (Flexi loan)
BLR-2.15% thorughout (term loan)
interested call me @ 012-2781125 (Tham)
Bank Loan
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 Jul 15 2008, 12:18 AM
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#1
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Junior Member
62 posts Joined: May 2008 From: KL  
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Jul 16 2008, 12:49 AM
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#2
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Junior Member
62 posts Joined: May 2008 From: KL
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QUOTE(ed0gawa @ Jul 15 2008, 05:46 PM) WOW ... sure or not 90k loan can get -2% all the way? can... got a forumer just took loan from me.. his name is P.S RM80k non zec BLR-2% throughout interested call me @ 012-2781125 |
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Jul 16 2008, 01:26 AM
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#3
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Junior Member
62 posts Joined: May 2008 From: KL
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QUOTE(ychwang @ Jul 16 2008, 01:09 AM) how long the lock in period? every bank standard .... 5 years 3% but my customer show me maybank offer letter= 5 years 4.5% |
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Jul 16 2008, 11:27 PM
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#4
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Junior Member
62 posts Joined: May 2008 From: KL
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QUOTE(ed0gawa @ Jul 16 2008, 03:49 PM) Dear, Standard chartered bank is start from the date of Letter Offer...As i know others bank almost is start from 1st dibursement... but maybank is start from full dibursement 5 years from? Letter offer? First Disbursement or Full Disbursement? For properties with 10% construction, first disbursement and full disbursement time frame could be up to 20 months. So if it is 5 yrs from full disbursement, in other words... it is 6-7yrs lock in right?  |
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Jul 19 2008, 02:18 AM
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#5
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Junior Member
62 posts Joined: May 2008 From: KL
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QUOTE(johnsonm @ Jul 17 2008, 10:06 AM) Problem with standard chartered is, if you decide to cancel the offer letter before the loan is disbursed, you also pay 3%, instead of the usual 1%, so although you save a bit of time for the lock-in period, you are also stuck after the offer letter is signed. dont understand wat u mean. Letter offer signed can be canceled without penalty unless 'loan agreement' been signed. I never face this kind of customer before, but my colleague. Her customer signed the offer letter after a week canceled. Yes, we accept. Because he havent sign the 'loan agreement' yet. |
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