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PENGALAMAN REFINANCE RUMAH

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Post on 4-3-2012 01:11 PM |All posts

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Salam sejahtera...
Saya nk tanye forumer2 berpengalaman kt sini berkenaan refinance rumah..Saya bercadang nk refinance rumah yg dibeli 5 tahun lepas..Baru2 ni saya survey beberapa bank utk dptkan best interest rate for my new housing loan..Satu hari officer HSBC call me and he propose me to apply for Islamic Home Refinancing. During the discussion, sy ade tanye for loan amount RM207K (20 years), how much monthly installment sy kena byr sebln. He answer the rate will be RM1066.90/month. I am quite surprised bcoz for me this rate is very good..Macam xpercaya pn ade sbb it is too much different dgn my current housing loan..

So just nk tnaye sape2 yg penah refinance rumah...is this rate is REASONABLE compare with u all punye...boleh take share u all punye hosing loan (after refinance) berapa interest rate, loan amount, duration & monthly installment..I nk make comparision...tq
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Post on 4-3-2012 06:04 PM |All posts
/^ Post Last Edit by .*? at .*?

/s
Salam sejahtera...
Saya nk tanye forumer2 berpengalaman kt sini berkenaan refinance rumah..Saya ber ...
Inuyasha Post at 4-3-2012 05:11


Boleh sy tahu berapa percent dari market value yang boleh miss refinance?80% or 90%?
usually kalau loan more than 250k boleh dapat up to blr-2.4...
Let say dapat refinance 90% dari 207k,jadi 187300,for 30tahun,blr-2.4....monthly lebih kurang 920....

Han
mortgage specialist
fy_han88@hotmail.com
013-3747762
save your time,increase your chances

(posted by mobile)
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Post on 5-3-2012 11:36 AM |All posts
sy pun nak refinance rumah. beli dec 1999. aritu cek market 360K. mcm mana ek.
- Always dissapear -
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Post on 5-3-2012 11:37 AM |All posts
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Boleh sy tahu berapa percent dari market value yang boleh mi ...
fyhan88 Post at 4-3-2012 18:04



   u specialist kan. normally u charged bank ker or individu yg nak refinance tu ya?
- Always dissapear -
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Post on 5-3-2012 01:46 PM |All posts
bagus sgtlah kalau guna hsbc amanah, bayar byk, tolak prinsipal..bukan macam bank lain, bayar banyak, dia kira advance payment....
http://remizationlineshop.blogspot.com
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Post on 5-3-2012 02:31 PM |All posts

PENGALAMAN REFINANCE RUMAH

   u specialist kan. normally u charged bank ker or individu yg nak refinance tu ya?
April Post at 5-3-2012 03:37


yes miss..
There is no servis charge,usually i will ask my client like you to take cash back mortgage saving instead of mrta..because there a lot of difference


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Post on 5-3-2012 06:05 PM |All posts
Reply 6# fyhan88
cash back mortgage tu camaner?...
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Post on 6-3-2012 12:05 AM |All posts
FYHAN...thanks for reply..

My house punye market value = RM230K...dapat 90% refinance, so = RM207K...
BLR if i not mistaken = -2.2
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Post on 6-3-2012 12:19 AM |All posts
FYHAN...could show me simple calculation how u get the figure of 920..?
many thanks
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Post on 6-3-2012 07:49 AM |All posts
FYHAN...could show me simple calculation how u get the figure of 920..?
many thanks :)
Inuyasha Post at 5-3-2012 16:19


Saya kira menggunakn financial calculator...saya dapat 920 sebab guna blr- 2.4...30 year and 207k..
kalau blr- 2.2,30 years,207k, monthly is 1040+-...

han
mortgage specialist
013-3847762
fy_han88@hotmail.com


(posted by mobile)
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Post on 7-3-2012 09:04 PM |All posts
owhhh i see...may i know according to your experience, which bank currently offers best rate for housing loan..
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Post on 7-3-2012 10:07 PM |All posts

PENGALAMAN REFINANCE RUMAH

Reply 11# Inuyasha


    hi inuyasha,
Ni dari apa yang sy analysis sndri,kalau rate ni semua bergantung kepada credit inuyasha dengan bank..if semua clear and cntik,mmg sng nk dpt rate tinggi..some more,kalau b offer rate cntik,tapi valuation xcntik..bila valuation tinggi,rate xcntik..so what i can say,i will represent you to nego with my all bankers,when result came out,will let you choose which is better rate for you..

han
013-3747762


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Post on 7-3-2012 11:00 PM |All posts
currently my commitment memang agak tinggi...besides housing loan, i jugak ade buat personal loan, credit card & hire purchase..semuanya atas nama saya...that is why i plan nk buat refinance, then cash out some money to settle all the debts..

but i am just afraid that bank tak approve my application due to the debts..
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Post on 8-3-2012 03:00 AM |All posts
Reply 13# Inuyasha


pernah lambat bayar tak? jika pernah, loan mmg tak lepas laa.......
Yg Bhg Presiden CDA
GST utk Rakyat | BN mesra YAHUDI
TAN SRI KHALID IBRAHIM Dikekalkan Sebagai MB
http://malaysiacrisis.blogspot.com
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Post on 8-3-2012 09:54 AM |All posts

PENGALAMAN REFINANCE RUMAH

currently my commitment memang agak tinggi...besides housing loan, i jugak ade buat personal loan, c ...
Inuyasha Post at 7-3-2012 15:00


First of all,may i know what is your nett income?
miss kira sendiri ea, (commitment + future house installment) / nett income  x 100 = if lebih 60%,mmg high commitment


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Post on 8-3-2012 10:18 PM |All posts
ooo kalau macam tu memang tak lepas la..
how about if i combine name with my hubby to apply the loan..? but rumah tu atas nama sy seorang saja
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Post on 9-3-2012 07:29 AM |All posts

PENGALAMAN REFINANCE RUMAH

Post Last Edit by baby_pingu at 11-4-2012 11:38
ooo kalau macam tu memang tak lepas la..
how about if i combine name with my hubby to apply the loa ...
Inuyasha Post at 8-3-2012 14:18


Yup,boleh je miss..usually kalau commitment lebih dari 60%,sy advise supaya bawa 2nd applicant in condition tiada mslah cctos or ccris..
kalau rumah miss area KL,ada bank yg boleh buat commitment up to 70%..
miss,can you email me your hp no,so kita boleh berdialog melalui telefon and miss pon boleh bertanya lebih lanjut lg..

Han



(posted by mobile)
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Post on 23-3-2012 12:37 AM |All posts
i more question...i wondering that let say i apply loan 200k...140k i use to pay the outstanding housing loan payment...then the balance 60k i cash out...is it the monthly installment same or not (between cash out & not cash out) ?
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Post on 23-3-2012 08:25 AM |All posts

PENGALAMAN REFINANCE RUMAH

Post Last Edit by baby_pingu at 11-4-2012 11:39
i more question...i wondering that let say i apply loan 200k...140k i use to pay the outstanding hou ...
Inuyasha Post at 22-3-2012 16:37


Bila apply loan 200k,u hanya dapat 90% dari 200k,lepas tu,tolak baki yang ada,let say 180k-140k =40k..
so you cash out 40k,then your installment base on 180k tadi..
can you sms me,because saya jarang masuk cari ni..

Han



(posted by mobile)
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Post on 23-3-2012 08:27 AM |All posts

PENGALAMAN REFINANCE RUMAH

Kalau you xnk cash out,so nnti you installment will base on 140k..
dalam refinance ni,ada yang buat untuk cash out dan ada yang untuk rendahkan rate..


(posted by mobile)
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Post on 23-3-2012 09:06 AM |All posts
Inuyasha - loan amount RM207K (20 years) -> RM1066.90/month
fyhan88 - 207k 30 year and 207k -> 920 (kalau blr- 2.2,30 years,207k, monthly is 1040+-)






Kesimpulannya, still the best rate komen dari Inuyasha
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Post on 23-3-2012 10:19 AM |All posts

PENGALAMAN REFINANCE RUMAH

Kesimpulannya, still the best rate komen dari Inuyasha
dualchicks Post at 23-3-2012 01:06


Yes,still the best rate.


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Post on 4-4-2012 11:58 PM |All posts
fyhan..

for u info sy sbenarnya dh serik nk deal ngan person selain dr bank. I have bad experience on it..last time sy pernah deal ngan somebody thru internet..he said that he work with uob and could help me refinance my house...i trust him and give all the required documents...after everything complete...he disappeared !! I call and text him so many times but he not answered...Could u imagine how frustrated i was
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Post on 5-4-2012 09:24 AM |All posts

PENGALAMAN REFINANCE RUMAH

Reply 23# Inuyasha

Yes,i heard a lot of that kind of story,but it doesnt mean that i also do the same..i have my own company,if i fraud or cheat you,then you can straight away call my company to complain about me..
just for your infomation,im islam,so kalau saya tipu mean saya buat keje xhalal..untuk pengetahuan inuyasha,setakat tiada satu pon client saya complaint yang saya tipu..
you try my services first,if you think im like the person who cheat you,then miss boleh straight away call boss saya..


(posted by mobile)
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Post on 13-4-2012 10:54 PM |All posts

PENGALAMAN REFINANCE RUMAH

Untuk refinance,
Jika anda ada masalah ccris xmelebihi 2..saya akan cuba tolong anda untuk refinance

detail as below :
ccris xlebih dari 2
MArket value rumah more than 300k..
income more than 5k..

Sila dapatkan ccris report anda dan email ke saya untuk analysis dan saya akan membantu berbincang dengan banker untuk meluluskan pinjaman.

fy_han88@hotmail.com


(posted by mobile)
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