Interest Rate Loan Rumah 5.39% - berbaloi atau tidak?

Ryhanna

Assalamualaikum / hai semua, nak tanya nie. Saya saja2 la try apply housing loan dengan beberapa bank. Tapii hanya satu je bank approve, yang lain semua reject tanpa kompromi lagi. Saya pulak sebelum ni menyewa rumah situ, bulanan bayar rm 400 pada owner rumah (rumah apartment , tingkat 1) so plan alang2 owner rumah nak jual rumah tu kite pun try la apply loan sebab rumah tu memang dah dekat dengan tempat kerja saya. Jadi sekarang ni saya dapat letter offer dari ambank nie.. loan saya lepas 79k++ je tapi interest rate 5.39% lah sebab bank cakap rate ni depends pada status rumah n profail kewangan kite jugak.bulanan rm 419 35 tahun..  So nak tanya, interest camtu tinggi sangat ke? takut pulak nak sign LO tu. Ade sesape terima tak rate interest lebih 5% tu? tq tolong jawab ye..

amizul

1. why others rejected?
2. more than 5% is consider high maybe i'm wrong

Ryhanna

amizul replied at 20-3-2019 12:42 PM
1. why others rejected?
2. more than 5% is consider high maybe i'm wrong

bank lain reject sebab location.. n pasal strata ke ape ntah cmtu la alasan diorg. cume ambank ni je terima tapi diorg naikkn interest.

onexox97

Saya pun nak beli rumah
Tengah survey
Tapi rate yg diberi
Bank Islam 4.7
Maybank 4.46
CIMB 4.6
MBSB 4.6
Xda lagi terima mana2 offer setakat ni .... Sbb I nak full loan

Naatasha

Assalamualaikum tt

I pun dpt offer dr Ambank. Fuiyo kemain tgi lagi rate dia. Dlm 5% kot.

Offer dr bank lain, HLB bagi 4.4% for 1st two years, MBB 4.5%, CIMB 4.75%. Bank ni je yg i try submit.

Dah kalo bank lain x approve terpksa la juga amek am bank kan? RM419 tu dh termasuk MRTT ke?

Ryhanna

Naatasha replied at 21-3-2019 11:00 PM
Assalamualaikum tt

I pun dpt offer dr Ambank. Fuiyo kemain tgi lagi rate dia. Dlm 5% kot.

wslm.,,

Haah dah termasuk MRTT tu.. mahal gile kn.. tu pn ambank ckp ade client die bru ni pun dpt 5.5% n dah sign pun LO .. haihh..

Ryhanna

onexox97 replied at 21-3-2019 10:12 PM
Saya pun nak beli rumah
Tengah survey
Tapi rate yg diberi

0oo rumah awk nk beli tu brapa hrga. gudluck la eh

onexox97

Ryhanna replied at 22-3-2019 12:32 PM
0oo rumah awk nk beli tu brapa hrga. gudluck la eh

Harga 435k camtu

onexox97

Naatasha replied at 21-3-2019 11:00 PM
Assalamualaikum tt

I pun dpt offer dr Ambank. Fuiyo kemain tgi lagi rate dia. Dlm 5% kot.

So u ambik yg mana
Biasa rumah ni org prefer mana
Problem bila dsr i cecah limit
Tapi i nk full loan jugak
Tanak bayar down payment
So macam2 I BG then Banker try nak submit hari ni

onexox97

Ryhanna replied at 22-3-2019 12:31 PM
wslm.,,

Haah dah termasuk MRTT tu.. mahal gile kn.. tu pn ambank ckp ade client die bru ni pun  ...

Dia cakap macam tu supaya awak terpengaruh

ladyrosberg

Ryhanna replied at 20-3-2019 03:10 PM
bank lain reject sebab location.. n pasal strata ke ape ntah cmtu la alasan diorg. cume ambank ni  ...

Apt u nak beli ni master title ke? Bank susah nak bg loan if belum dpt strata title. u check dulu yg ni.

Ryhanna

ladyrosberg replied at 22-3-2019 04:00 PM
Apt u nak beli ni master title ke? Bank susah nak bg loan if belum dpt strata title. u check dulu  ...

Haah sy tnye bank hrtu ni la reason kot.. so klu umh tu sy nak jugak, loan die blh bg tp ade syarat la..interest 5%++

ladyrosberg

Ryhanna replied at 22-3-2019 04:18 PM
Haah sy tnye bank hrtu ni la reason kot.. so klu umh tu sy nak jugak, loan die blh bg tp ade syara ...

So apt tu still master title la? Lbh 10 thn ke apt tu? U ada check developer apt tu still ada ke dah bankrupt? No wonder interest u dpt tinggi sbb high risk. Nnt u nak jual apt tu pun susah

leylapple

bawah rm100k mmg tinggi interest.... some bank offer personal loan utk beli rumah bawah 100k...lagi mahal kalau personal loan. 7% tak silap...

kalau bawah 100k, sampai 5.8% pun ada...

kalau atas 150k, normally dalam 4.6-4.8%

Ryhanna

ladyrosberg replied at 22-3-2019 04:35 PM
So apt tu still master title la? Lbh 10 thn ke apt tu? U ada check developer apt tu still ada ke d ...

btul, apt tu dah 11 thun dah.

Ryhanna

leylapple replied at 22-3-2019 04:47 PM
bawah rm100k mmg tinggi interest.... some bank offer personal loan utk beli rumah bawah 100k...lagi  ...

owh, mana2 bank same ke bezakn rate tu? hmm nak kena beli mahal2 jgk bru bank pandang

Naatasha

@Ryhanna
Hari tu i ada buka thread juga. Ni yg forumer bgtau.


This one from @moonbug


Tq forumer2 yg sudi explain kat i hari tu. Love ya

Naatasha

onexox97 replied at 22-3-2019 12:49 PM
So u ambik yg mana
Biasa rumah ni org prefer mana
Problem bila dsr i cecah limit

I ambik MBB. Nape x nk byr down payment ye?

onexox97

Naatasha replied at 23-3-2019 12:31 AM
I ambik MBB. Nape x nk byr down payment ye?

Habis duit cash la kalau byr down payment
Mbb bg berapa? Lama ke nk tahu keputusan?
Tadi officer tu nk submit dgn 4.45
U dapat rate berapa?

Lagubestbest

Amek je, dari hilang RM400 sesia tiap2 bulan. Rumah tu boleh refinance/ jual di masa depan kalau tak nak.