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Author: cucusaddam

[Product Info] Housing Loan Packages FAQs

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Post time 4-8-2010 04:39 PM | Show all posts
boleh hariz, must be up to 100k
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Post time 23-8-2010 04:29 PM | Show all posts
ler...kena loan 100,000 above le pulak...
yg untuk belownyer tak de le ekss
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Post time 23-8-2010 05:14 PM | Show all posts
ler...kena loan 100,000 above le pulak...
yg untuk belownyer tak de le ekss
arenis Post at 23-8-2010 16:29



betul la tu, tapi klau nak ikut market sekarang, agak susah jugak nak cari rumah yg below 100K, at least kalau u nak beli apartment.  u nak beli rumah kat mana? n brapa harge
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Post time 24-8-2010 08:24 AM | Show all posts
Post Last Edit by arenis at 24-8-2010 08:28
betul la tu, tapi klau nak ikut market sekarang, agak susah jugak nak cari rumah yg below 100 ...
Dynz Post at 23-8-2010 17:14


Bukan saya nak beli tp sy tengah survey rate bank mana yg besh untuk adik ipar sy.
Saya nak jual rumah pd dia...sy punya gov loan.
Umah tu flat kos rendah je kat Bandar Mahkota Cheras. Betul dkt Jusco baru tu.
Tak cek pun lagi market value berapa lagi kat situ...
Umah tu dulu saya beli RM42K je...tp dh namanya nak jual pd adik beradik berkira la lebihkurang sikit
Saya nak jual pd dia rm65k je

Pastu sy sendiri juga akan beli umah lain setelah umah ni dh dijual pd adik saya.
Umah yang sy nak beli ni di Seksyen 6, Kota Damansara. Umah Flat Kos Rendah juga
Owner tu nak jual rm68k. Yang ni sy akan pakai loan gov. Interest 4% je.
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Post time 24-8-2010 08:26 AM | Show all posts
Semalam ada kol ING...
Syarikat Insuran yg buat Home Loan ni mmg nak yg rm100k above je..
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Post time 24-8-2010 08:45 AM | Show all posts
Bukan saya nak beli tp sy tengah survey rate bank mana yg besh untuk adik ipar sy.
Saya nak jua ...
arenis Post at 24-8-2010 08:24


ok, u boleh cuba call affin, hari sy ada call rate 6.3% BLR -1.6 atau HSBC pun boleh jugak
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Post time 24-8-2010 08:56 AM | Show all posts
ok, u boleh cuba call affin, hari sy ada call rate 6.3% BLR -1.6 atau HSBC pun boleh jugak
Dynz Post at 24-8-2010 08:45


Ok thanks...affin sy tak try lagi sy cuma try tanya BSN, CIMB dan Alliance.
HSBC....huhuhu smlam kol yg nombor customer service...hampehhh
Haram dia x tau apa2...nama dia Helen.
Menyirap aku smlm...bila aku minta no direct dia kata dia hanya bole amik no hp aku dn nama nnt dia akan
paskan kpd HSBC yg terdekat.
Kena maki dgn aku...iklan ko punya punya la gempak kt tv...tp satu benda pun ko x bole nak terangkan kat aku.
huhuhu...terus patah semangat dgn HSBC ni.
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Post time 24-8-2010 09:21 AM | Show all posts
Ok thanks...affin sy tak try lagi sy cuma try tanya BSN, CIMB dan Alliance.
HSBC....huhuhu smla ...
arenis Post at 24-8-2010 08:56



    ok, nanti i pm my fren contact no. from HSBC.
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Post time 24-8-2010 10:22 AM | Show all posts
ok, nanti i pm my fren contact no. from HSBC.
Dynz Post at 24-8-2010 09:21


ok dh dapat ur pm. tq
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Post time 25-8-2010 10:10 PM | Show all posts
Reply 24# Dynz


dynz,

maaf kerana nak minta pertolongan sikit
boleh tak bg no contact your prenz tu sbb saya ada bercadang nak refinance rumah slps raya nih
kot dia boleh bg tawaran yg menarik..

thanks
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Post time 26-8-2010 08:50 AM | Show all posts
Reply 26# sajersajer


  ok, dah pm u
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Post time 26-8-2010 02:08 PM | Show all posts
Reply  Dynz


    4.99% is the lowest ek? I'm doing with 3.95% Affin Bank....
koken_7 Post at 16-7-2010 18:58


betol ke ni ???
atau dpt BLR -ve (6.30% - 2.35%)
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Post time 26-8-2010 02:17 PM | Show all posts
betol ke ni ???
atau dpt BLR -ve (6.30% - 2.35%)
waksir Post at 26-8-2010 14:08



  entahlah waksir, last time i call affin dia kata 6.30 BLR -1.6,maybe koken dpt best offer from the bank on that time....
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Post time 26-8-2010 04:56 PM | Show all posts
Reply 28# waksir


    BLR-2.1, masa tu still 6.05% lg..skarang still BLR-2.1...so 4.2% and still ok dr 4.99%..
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Post time 26-8-2010 06:54 PM | Show all posts
Reply  waksir


    BLR-2.1, masa tu still 6.05% lg..skarang still BLR-2.1...so 4.2% and still o ...
koken_7 Post at 26-8-2010 16:56


ooo ... kalau camtu , bukan la fixed rate. (kadar tetap)
tu kadar yg berubah, kalu interest naik, so nt bayaran bulanan pun akan naik gak la.
kalu fixed rate tu maintain je sampai habis tempoh loan tu.
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Post time 27-8-2010 09:59 AM | Show all posts
Post Last Edit by Dynz at 27-8-2010 10:02
ooo ... kalau camtu , bukan la fixed rate. (kadar tetap)
tu kadar yg berubah, kalu interest nai ...
waksir Post at 26-8-2010 18:54



betul waksir, dgn 4.99% fixed rate, u tak payah nak pening2 dgn turun naik BLR ni....kalu turun ok la....tapi kalau naik...pening jugak tu nak kena tambah kat belanjawan bulanan.  Ok, cuba tengok table kat bawah just for reference..

EFFECT ON INCREASE IN BLR
EFFECT OF BLR INCREASE FROM 5.55% TO 6.05% (Increase by 0.50%)

  

LOAN AMT


  
  

MONTHLY INSTALMENT


  

(30yr loan)


  
  

ADDITIONAL PAYMENTS


  


(30yrs)


  
  IF INSTALMENT
REMAIN
UNCHANGED
  
  BLR @ 5.55%
  
  BLR @ 6.05%
  
  

300,000/-


  
  

1,713/-


  
  

1,809/-


  
  

34,560/-


  
  30yrs increase to 35yrs & 7 mths
  
  

600,000/-


  
  

3,426/-


  
  

3,617/-


  
  

68,760/-


  
  30yrs increase to 35yrs & 7 mths
  
Increase in 0.50% will increase your loan tenure by 5 ½ years!
(instalment unchanged)
5 ½ years more costs RM114,771 more! (RM1713x5yrs 7months for RM300K)



EFFECT OF BLR INCREASE FROM 5.55% TO 6.55% (Increase by 1.00%)

  

LOAN AMT


  
  

MONTHLY INSTALMENT


  

(30yr loan)


  
  

ADDITIONAL PAYMENTS


  

(30yrs)


  
  IF INSTALMENT
REMAIN
UNCHANGED
  
  BLR @ 5.55%
  
  BLR @ 6.55%
  
  

300,000/-


  
  

1,713/-


  
  

1,907/-


  
  

69,840/-


  
  30yrs increase to 47yrs & 10 mths
  
  

600,000/-


  
  

3,426/-


  
  

3,813/-


  
  

139,320/-


  
  30yrs increase to 47yrs & 10 mths
  

Increase in 1.00% will increase your loan tenure by almost 18 years!! (instalment unchanged)
17 yrs 10 mths more costs RM366,582
more! (RM1713x17yrs 10 months for RM300K loan)
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Post time 28-8-2010 01:50 AM | Show all posts
Reply 32# Dynz


   
err.... dynz....
nape table tu tunggang langgang...
ke pc aku ni yg demam...
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Post time 29-8-2010 01:10 AM | Show all posts
Reply 31# waksir


    fixed rate..sbb once kita amik time tu cam aku 3.95%...ia maintain smpi brapa lama aku amik...klu amik skarang...dia akan base on br punya rate..and maintain smpi loan tamat...
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Post time 29-8-2010 10:19 AM | Show all posts
Reply  waksir


    fixed rate..sbb once kita amik time tu cam aku 3.95%...ia maintain smpi brap ...
koken_7 Post at 29-8-2010 01:10




aku rasa baik kau confirmkan semula dgn pihak bank.
sbb kalu fixed rate ... mmg takde blr .. tp kau kata sblm ni ada BLR (-ve).
so, biasanye ia akan turun naik
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Post time 30-8-2010 08:56 AM | Show all posts
Reply 33# system_failure

pc en mod tak demam, pc teman yg kena gastrik ..
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