I am very sure that the BLR -2.8% by StanChart has more much T&C ...
or it only applies for certain area/project.

HLB (in Johor Bahru) is now having a BLR -3.0% whole tenure non-zec package as well.
T&C applies, sign within XX days, only for specific area, lock in for erm.. 8 yrs and many more...

If that's the case then StanChart's BLR -2.8% is still worth it even though lock in period is 8 years

Of cause it will have some T&C,but still it's fair enough if you want to get such rate.

The BLR-3.0 is flexi loan?
HLB have flexi and normal term loan.
As i know,HLB normal term loan rate is good,but HLB flexi rate is not good.
Hard to get even BLR-2% for flexi.

This post has been edited by onnying88: Sep 27 2008, 11:43 AM

can i have more information for Stan Chart BLR - 2.8 package?

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Added on October 1, 2008, 11:08 amHLB loan is acceptable but not flexible and also with hidden terms and conditions. Prepayment for principal reduction need to give notice 1 mth before hand with prepayment amount at least 3 times. Prepayment for interest deduction - notice 1 week.

This post has been edited by hoeynala: Oct 1 2008, 11:08 AM

anybody knows what is the rate for UOB now?

i got mine at -2.2 recently.....

if just compare UOB and CIMB, my vote is UOB bank.

I got my offer from std cacat last time b4 i join OxBC.

I get BLR-2% while the then market rate is BLR-1.8%. I think it's the timing

Bank's offer will be different from time to time. Today Bank A can be the lowest in market, tmr can be Bank's B.

It's all about timing and your luck.

How I could download the spreadsheet?