QUOTE(happy_gal @ May 25 2009, 07:25 PM)
Me too.. the lawyer neva call me also.. btw, i'd like to ask anybody here take public bank loan and compare it against rhb loan ah?..
Public bankBLR-2.15
My own cousin is the banker
I think PBB is counting from the date of the FINAL payment, nt very sure..
RHB BLR -2.2
Somebodyelse dunno if they can service me if i have any querries regarding my loan later on o nt..
5 years from the date of loan payment.
I have already got approval and the LO has been issued by PBB but havent sign cause im still waiting for RHB. That RHB woman keep telling me no terms and conditions but my cousin told me becareful there might be a catch which u will not be able to realize now..
So how ah?.. any comments ah?...
pbb lock down 5 years after last payment.
rhb 5 started from loan approval date. minus the construction period u still have around 2 years like tat b4 u can refinance to another bank. is short and i think if u have problem with the terms, u will just wait for 2 years for that.
pbb still have some terms and condition too. every bank does. from my opinion, under construction prepayment will help a lot on saving up ur paying interest. A thing to clarify, to all... there is no bank that don't allow u do pay your principle in construction period.If there is no statement in ur agreement shows that u cant allow to do prepayment on construction period. so maybe just read through or ask. If there is no state, there will not be a problem. because, the loan will follow everything on ur agreement you sign.
no banks will do rugi business. they just finding some way to earn more from you. do check on the withdrawal too... some bank "says" they let u have prepayment on construction period but dun allow withdrawal at construction period. Check the agreement, if is really so... well just pretend you doing your saving for 3 years la. after 3 years you can do withdrawal also.