Thats where you are mistaken. I can get good rates frm PB for their flexi loan. Higher than CIMB and compatible with alliance.

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Added on March 24, 2009, 11:59 pm

Whats that?! Got advantage? I only know its easy to fill in the application form and easy approval when they need to hit their target. 

You mean refinance through me is faster or not?
If you mean so then i just can tell you i will try my best to give you the best service.

Different bank have different process involve when refinance.
What i can do is just check for you from time to time to moniter the process. That's it.
Normaly i will get the approval within 3-5 working days with complete document.
And most important, my service is totally free with no extra charge.
You'r welcome to try my service if u need

Well, rates in flexi loan doesn't really effect so much if u fully understand it.
Most important part for flexi loan is the functioning of the account and flexi system of the bank itself. Of cause the basic function of flexi is a must.
Every bank have different flexi loan system that's for sure.
That's why i only go for PB term loan. Never go for PB flexi. Yet.

you are a mortgage broker, correct? Master of all loan trades? Hmnnn....I wonder.

PB's statementing, online, and flexi features suck relative to its competition.  It is zillion miles away from Mortgage One, my beloved product.  No, I do not work in SCB.

PB also offers the worst technology - their system is so backword, that my frustration just compounds whenever I think about it.  Let's say my installment is 100 a month - If I pay 400 in advance - technically, I don't have to pay for the next 4 months, correct? WRONG - their system is so stupid - that it doesn't know how to reverse the prepayment from the advance bucket automatically.  In other words, their collection dept actually called me and asked me for my payment.

I SCREWED them nicely.  First and Last time I ever try their loan.  For Eon and RHB - My experience is so bad - I don't even want to go there. 

Oh - and when it comes to a Mortgage product - let's get real.  AFTER SALES Service is over-rated.  In that sense, Public Bank's excellent ISO service levels don't mean jack $hit.  Technology plays a more important role here.  I speak from my own personal experience, having taken and redeeming a number of loans.

CIMB is not too bad.  However, their statement is a bit more confusing if u do a cash out. 

How can you not know what advantage CIMB has to offer that investors like me want? Aiyah.......

Pai - If u tell her - ask her to buy u a nice dinner.

If you read your previous post you mentioned this "PB i seldom use as their Flexi rate is suks" so I'm just saying their flexi rates dun suck. I'm not talking about the flexi system.

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Added on March 25, 2009, 12:17 pm

I meant whether refinancing is faster than a loan to purchase property. There should be less paperwork, right? Will it still take 3 months+?

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Added on March 25, 2009, 10:11 amWant a package where the bank is actually sharing some of my penalty and not just helping finance.

If the bank is not abosorbing part of my penalty to gain me as a customer I might as well just choose the lowest flex rate available and finance the penalty myself...

I meant whether refinancing is faster than a loan to purchase property. There should be less paperwork, right? Will it still take 3 months+?

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Added on March 25, 2009, 10:11 amWant a package where the bank is actually sharing some of my penalty and not just helping finance.

If the bank is not abosorbing part of my penalty to gain me as a customer I might as well just choose the lowest flex rate available and finance the penalty myself...

anybody heard of supex mortage reduction(m) sdn bhd?

they claim able to reduce our loan interest from bank.

is it true, this kind of service out there?

is that u need to pay RM1800++ for them??