where u want to buy ?
house price will reduce , increase more now . if u buy b4 march is best . now increase 30%.
if u want to know house loan u must search more banker help u .
i know few bank is good will help u save money .
my bros buy a house i help him looking banker .now i know more info lieo
buy 2nd house not eazy ah....
bank will see house value if u buy high value bank also no follow ur price!
like u buy rm100,000,. but value rm80,000 then u need paid rm100,000 down payment rm10,000
u loan is rm80,000 -rm100,000. u need pay more rm20,000
he try PBB , OCBC , CIMB , STANDARD CHARTERED.
PBB market value is very low one.
OCBC ok, 1)BLR-2% first 5 years , after BLR-2.4 ,incl legal fees.
              2)bank package -2.4  , pay legal fees urself. but less then 1) package.

CIMB ilasmic package BLR -1.95 .then u open current ac , put more money in . they will house loan less ur current ac then cal ur loan. incl legal fees
STANDARD CHARTERED.-nice - klibor package. not follow BLR . but low rate then other bank . incl legal fees and other open account fees.
2.14+0.86 =3% (2 years)
2.14+1.16 =3.3%(third years start )
too much lah if u want to know u call banker . this banker is nice one.

all must follow bank negara rate , high low.
must remember banker must work in bank . b4 got banker is outside wah .
he want u buy insurance more one . rm3000 till finish loan!!
then lawyer lie must same lawyer they give u discount.save money again..

buy house not eazy . must becareful.i just share

if buy first hand , buy with developer also problem , my friend buy with developer till finish loan , cant stay !!

so govement must protect us .pay more money no house can stay.
mabye can sell land payback us ........haha