Housing Loan Paling Best?

Acong_II · Post time 18-4-2013 03:27 AM

alepmama posted on 4-4-2013 04:02 PM
aku sedih
aku dah dapat loan rumah
5 bank aku anto

dah sign SPA? ada masa 3 bulan lepas sign utk full loan disbursement..... pi apply semula saja laa......

farfar · Post time 18-4-2013 08:51 PM

RHB bank BLR - 2.5%, no lock out period. If you are to sell your house within 5 years, no penalty to be paid to the bank unlike maybank, cimb etc.

So far I find RHB to be the better option.

Ewa123 · Post time 18-5-2013 09:01 PM

RHB might offer the best rate now but do read the terms and conditions before sign lor.

fairiza · Post time 22-5-2013 09:53 AM

baru buat loan ngan rhb. 4.2% . 528k monthly 2.3k ++

kieu · Post time 22-5-2013 12:21 PM

soalan2 yg perlu ditanya untuk membuat HL/refinance.

BLR capping ceiling rate?
Application processing fee?
Stamp Duty?
Disbursement fee?
Legal fee for Perfecting The Bank’s Security Documentation?
Valuation fees?
setup fee, monthly maintenance fee?

Loan margin BLR - xxx
Daily rest, monthly compounded? Daily rest, daily compound?
Extra mthly installment for any value is allowed?
Extra mthly installment reduce principle?
Extra mthly installment is allowed without prior inform?
Extra installment can be made anytime and as often as wish?
Fees charged for extra payment?
Lock in period (years)?
Base lending rate (with Zero Entry Cost)
Base lending rate (with Non Zero Entry Cost)
- how much the legal fee & valuation fees of loan amount
Lockin period
- penalty if refinance?
Revise of BLR rate base best offer?

Monthly Installment?
Total payment amount?
Insurance :
- mrta/mlta
- finance into loan amount?
- compulsory / optional?
- minimum years tenure

Ewa123 · Post time 28-5-2013 04:51 PM

Hi,

Nak lebih tahu OCBC offer?

130 margin o.O

Last edited by baby_pingu on 13-6-2013 10:01 AM

nomic · Post time 4-6-2013 12:05 PM

as salam,

nak tanya forumer semua, berbaloi ke kalau buat personal loan untuk dirikan rumah sewa? antara personal loan dan refinance rumah mane lagi ok?

saya plan nak buat rumah sewa dalam 3 pintu. kadar sewa semasa kat kawasan tu (kg melayu subang) dalam rm500 (keluasan rumah dalam 700sf).

untuk refinance plak, rumah yg saya duduk skrg ni baru 2 tahun dapat kunci. harga masa beli 4 tahun lepas rm350k dan harga semasa skrg ni tgk kat iklan mudah dalam rm600k.

agak2 mane lagi berbaloi, saya nak guna dalam 100k-150k.

izzat89 · Post time 7-6-2013 04:30 PM

Salam kwn2 cari forum.. Saya nk tnye pendapat dan pandangan korang klw sy bli rumah secara "cash" tanpa pinjaman bank perumahan bagaimana proses guaman + perjanjian jual beli yer? Saya telah membuat perjanjian dgn tuan rumah dengan harga rumah yang berpatutan yang berada di Kajang... So nk tau cm mne proses tukar nama dlm geran dan guaman?? Siapa2 ada pegalaman sila kongi kt forum...

fairiza · Post time 12-6-2013 05:16 PM

izzat89 posted on 7-6-2013 04:30 PM
Salam kwn2 cari forum.. Saya nk tnye pendapat dan pandangan korang klw sy bli rumah secara "cash" ta ...

still ada cost jugak... MOT dlm beberapa k jugak la.... cth rumah sy baru beli nilai dlm 560k so MOT dlm RM10800, tp yg ni bkn ke lawyer... ke gomen le kot...

aarie · Post time 12-6-2013 09:26 PM

izzat89 posted on 7-6-2013 04:30 PM
Salam kwn2 cari forum.. Saya nk tnye pendapat dan pandangan korang klw sy bli rumah secara "cash" ta ...

Salam...
Appoint lawyers to prepare SNP agreement agreeable to both parties..
check SNP supaya term of payment etc tu ok to u...

once snp signed bayar certain amount through the lawyer..
lawyer will get and prepare the transfer doc for submission together with all original doc..

once transfer doc ready for submission.. lawyer will inform to prepare full payment
payment submit through lawyer in exchange for transfer doc...

submit all doc to pejabat tanah for change of ownership kat geran..
tungguuuu... geran baru kuar atas nama u

once dah transfer jgn lupa inform majlis bandaran pulak... gd luck

aarie · Post time 12-6-2013 09:31 PM

izzat89 posted on 7-6-2013 04:30 PM
Salam kwn2 cari forum.. Saya nk tnye pendapat dan pandangan korang klw sy bli rumah secara "cash" ta ...

and mcm fairiza cakap tu.. kena setel MOT kat LHDN dulu sebelum submit for transfer tu..
it is part of the requirement..

get lawyer yg ada experience.. they will handle everything for u..