im waiting for the good news lor.. for more than -2.2
but can be just empty promise only..
she's some manager i guess..

not sure bout w/o MRTA.. but it seems she offer straight -2.2
then i ask about MRTA and stuffs..

This post has been edited by chenster: Mar 19 2009, 03:47 PM

cheh... u dare to say so. later when we meet up, they will know ur age then kick ur butt. LOL

Public Bank really act in the way. Initially when I apply, they also get a lot of documents, even my savings n FD. but end up, the highest rate is BLR-1.8 ZEC. the reason i cant get better rate is, i'm too young n the record is too clean as well... but, in fact, i'm not so young ner. the Banker is nice and explain that PBB really give rates according to personal profile. not base on project or standard rate. so he asked me to go for other banks. ai...

don worry. other banks are not. u can check with OCBC, RHB and EON. they sure welcome you. nvr ask for my savings or FD.

---

Added on March 19, 2009, 3:57 pmemm... why u prefer MRTA ya? cos MLTA / MITA is much better right??

This post has been edited by sk_lim_taurus: Mar 19 2009, 03:57 PM

MLTA is life rite?
and u will get back certain amount after the policy ended?
wat is MITA?
MRTA is only premium of 3k maybe? for 10 or 15 years..
and then this rhb offer is i can get back certain amount if i somehow sell my property before the MRTA ended..

--------

need to ask another thing..
how u guys postpone to sign the S&P huh?
the lady lawyer keep asking me to sign eh.. and reminding me that this weekend is the deadline..

This post has been edited by chenster: Mar 19 2009, 04:10 PM

Wah...Kum Jie also so young one ah....she's actually Form 4...next year SPM!

yes. MLTA is life insurance. MITA is the same with MLTA. Just insurance company use to differentiate with MRTA. M Reducing TA vs M Increasing TA.

MITA will get higher coverage at the end. cos the value will grow (like life insurance). but u have to pay premium abt 180-200 per month for 250k coverage lor.

---

Added on March 19, 2009, 4:32 pmi'm not. i've been out from school vy long time liao.. hai... missing the old time... like vy vy far from me.. evything changed...

This post has been edited by sk_lim_taurus: Mar 19 2009, 04:32 PM

Babana..don't care about PBB...since they can't be bother for your business...I thought UOB was bad enough to offer me 60%....but 40% loan is worst...are they offering you interest free rates? hehe...I think the 'you are too young' is just a lame excuse they use to push away customers lo...

Steffi Jie = Lower Six...

OK..then what is the surrender value for MLTA?
someone mention that MLTA is good to me too..
but then the return also not much diff..

I get -2.1% takkan I am old man.... (

Amongst school going boys and girls here...you are considered old..!

This is my comment last time.

MRTA - The Protection value will reduce based on year. The Protection is tied to House, not to the Owner. When you refinance or let go the house, all premium that you paid will be burned.

MITA - Life insurance from Insurance Company. Protection will increase and is bonded to Owner. You can also pay additional for investment link. When you refinance or let go the house, the policy is still running. If you would like to have higher protection, you can top up anytime.

For my case, my protection of 150k cost me RM150 per month. Every complete year, my protection will grow 1%. If I would like to top up to 250k, for my case, the additional premium is about RM50-80 per month. A portion will grow as saving (1st Advantage). It covers death, disability and critical illness (2nd Advantage). Every complete year, it will grow 1% (3rd Advantage). After 5 yrs will break event (4th Advantage). Every half yr will receive a statement on the growing of the savings.

Hope the info helps.

p.s.: I've missed a point. I started my MITA same day when I booked the unit in December. haa.. fast ler...

---

Added on March 19, 2009, 5:43 pmwhose know maybe propcritic is the youngest.. haaa....

This post has been edited by sk_lim_taurus: Mar 19 2009, 06:21 PM

Guys and gals,

PBB initially offered blr-2.1, agent said approved, then when letter of offer comes out, it was blr - 2.
Maybe PBB doesn't want to do home loan business leh? After they are very conservative mah...
There are many banks out there lah...try more

---

Added on March 19, 2009, 6:18 pmIn regards to MRTA and others like it, may I suggest also you all look into another term life insurance, called "whole life non par"...i heard it is cheaper. Call your insurance agents to find out more. I'm calling my agents soon as I sign on my loan.

This post has been edited by citron: Mar 19 2009, 06:18 PM

from the explanations.. mita sounds like my current life insurance +- investment link..
.. i'll probably stick with mrta.. the premium only 3k i guess.. but i need to calculate it out first..
and wat rhb said to me is that this mrta u able to get back certain amount if u sell/refinance or dai ka lai si happen..
then it's fair enough for me..

For MLTA, not matter u sell / refinance / 'dai ka lai si', you still get the benefits. the graph is growing based on year But the amount for MRTA is dropping based on year lor. pls correct me if i'm wrong.

but, if you are looking for short term, or less cost, MRTA is good.

p.s.: Bye guys. will not log in until Monday. Hope you guys keep roll the topics. Have a nice weekend!!!

This post has been edited by sk_lim_taurus: Mar 19 2009, 06:33 PM

true..

MLTA is like a life insurance plan + investment.. it will grow cuz u keep pumping money in..

MRTA will drop because if anything happen.. it will only compensate ur remaining outstanding loan value.. which will decrease overtime..

++++++

adios u guys.. i will not be loggin in too untl monday..
just submitted my docs to rhb.. will hope to get better offer from her..

all so young here....

-news start here..

latest update...

Trinity will be one of the exhibitors for tomorrow's KLCC Convention center luxury home expo. Although, zest is not considered a high end property, they are hoping to ramp up some sales there..

Anyway, for the swimming pool view units, they are giving 2 free air-cond + installation to the purchasers, one will be in the living room (1.5hp) and one will be in the master bedroom (1.0hp).

And if they managed to get other 30 units sold, the will close the order for Block C. The remaining units in Block C will have the same price tagging as Block B and will be sold during the official showroom launching..

I just saw the 2x2 porcelain tiles sample .. hmm beige color.. quite ok..

The proposed LRT is not in front of Hup Seng but a few meters further.. so.. those who want to take LRT will have to walk a little bit more..

Once their shoplot for their showroom is done..(targeted June), they will start piling work on the Zest SA and once ground work starts, we will be serving interests for our rm25k car park..

-news end here..

This post has been edited by gunnerstkd: Mar 19 2009, 08:04 PM

Gosh...our beloved newsman...

Hahah...I bought 12 floors friend...

you bought 12 floors?..

Level 1-12 all units belong to u now.?