Jan 21 2009, 02:16 PM
QUOTE(sam0919 @ Jan 21 2009, 01:59 PM)
for loan amount which below 100k
CIMB will be a good choice since they offer up to BLR-2.05% ( with legal fees financed ) but still save alot with the current interest rate that u bearing.
I dun encourage u to take EON bank as i've bad experience on EON bank when doin refinancing, the redemption process are extremely slow, and they do charge service fees on prepayment, and also alot of hidden cost which are never stated in the letter offer.
Edit : Standchart too little branches..if anything happens u have to travel all the way down to standchart bank in certain places to settle up stuff. Not encourage to finance with foreign banks eventhough their offering for interest rate are quite low. I think first few years are BLR-2.xx sth. Flexi.
if i remember correctly cimb only gives the flexi facility if the loan is 150k and above. the rate is still -2.05 but conventional already for below 150k. standard chart minimum for the flex i think is 40k, could get a -2.0 from the published rates.CIMB will be a good choice since they offer up to BLR-2.05% ( with legal fees financed ) but still save alot with the current interest rate that u bearing.
I dun encourage u to take EON bank as i've bad experience on EON bank when doin refinancing, the redemption process are extremely slow, and they do charge service fees on prepayment, and also alot of hidden cost which are never stated in the letter offer.
Edit : Standchart too little branches..if anything happens u have to travel all the way down to standchart bank in certain places to settle up stuff. Not encourage to finance with foreign banks eventhough their offering for interest rate are quite low. I think first few years are BLR-2.xx sth. Flexi.
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