Naatasha Publish time 21-12-2018 08:15 PM

Sign S&P?

Salam.. I nak minta nasihat, boleh ke i sign S&P sebelum sign confirmation terima loan dari bank.

So far, Ambank, CIMB dah approved. Tunggu Hong Leong dan Maybank.

Agent rumah ckp jika sign S&P tahun ni i terlepas dari bayar 5% charges apa tah (sorry lupa) yg akan bermula tahun depan.

Maybank start proses hari ni, katanya 3 hari bekerja, next week baru tahu jawapan. I takut x sempat sign S&P sebelum 2019.

So sebenarnya boleh ke tidak i sign sbb i belum buat keputusan unt terima tawaran dari ambank atau cimb. Tapi loan dah appproved oleh dua bank tersebut.

noraidil_06 Publish time 21-12-2018 08:25 PM

Boleh sign
X de mslh

dusunmind Publish time 21-12-2018 09:57 PM

ble je.nnt tunggu confirmation dari bank mana. decide la

Naatasha Publish time 21-12-2018 11:58 PM

noraidil_06 replied at 21-12-2018 08:25 PM
Boleh sign
X de mslh

Tq kak. Kalo sign sblum loan approve x bole kan? Sbb mula2 tu, agent tu beria suh sign tapi sy xnk sbb loan x lulus lagi. Huhuhu

Naatasha Publish time 22-12-2018 12:00 AM

dusunmind replied at 21-12-2018 09:57 PM
ble je.nnt tunggu confirmation dari bank mana. decide la

Ok tq u :) kalo kita nk tlg offer dari bank yg rate dia tgi, apa ayat yg sesuai ye;P sbb semua tu mcm baik je. Just ckp dpt better offer? Ok x mcm tu :loveliness:

dusunmind Publish time 22-12-2018 12:02 AM

Naatasha replied at 22-12-2018 12:00 AM
Ok tq ukalo kita nk tlg offer dari bank yg rate dia tgi, apa ayat yg sesuai ye   sbb semua t ...

hak sis nak cakap mcm mana...^o^

noraidil_06 Publish time 22-12-2018 12:03 AM

Naatasha replied at 22-12-2018 12:00 AM
Ok tq ukalo kita nk tlg offer dari bank yg rate dia tgi, apa ayat yg sesuai ye   sbb semua t ...

Ok je. Kdg2 derang akn counter offer. U will get better rate.
Good luck

moonbug Publish time 23-12-2018 07:52 PM

Boleh je sign, janji harga rumah tu tally la dengan loan. U dapat berapa % dengan Ambank & CIMB?

moonbug Publish time 23-12-2018 07:53 PM

% interest maksud I, tulis tak habis pulak hehe

Naatasha Publish time 23-12-2018 11:20 PM

noraidil_06 replied at 22-12-2018 12:03 AM
Ok je. Kdg2 derang akn counter offer. U will get better rate.
Good luck

Ok tq kak :)

Naatasha Publish time 23-12-2018 11:26 PM

moonbug replied at 23-12-2018 07:52 PM
Boleh je sign, janji harga rumah tu tally la dengan loan. U dapat berapa % dengan Ambank & CIMB?

Ambank, tinggi gila xingt bape, lagipun yg tu mmg nk tolak.

CIMB, 4.75%.

Hong Leong, 4.40% for first 2 years and 4.55% tahun seterusnya. Banker ckp insyaAllah esok dpt result.

Maybank, patutnya 4.55%. Tapi banker tu kata nak fight 4.50% unt i. Yg ni still pending.

Naatasha Publish time 23-12-2018 11:27 PM

moonbug replied at 23-12-2018 07:52 PM
Boleh je sign, janji harga rumah tu tally la dengan loan. U dapat berapa % dengan Ambank & CIMB?

Harga rumah tally dgn loan bank makna nya, kena make sure brp loan amount i minta dan amount yg i minta tu approve atau tak? Begitu kah?

nor876 Publish time 24-12-2018 08:22 AM

mcm sy dulu sign s&p sblum loan lulus...pas dh sign br terkial2 tny bank..last2 dpt maybank.rate time tu, 4.5%..now dh revised interest, jadi 4.7%..so better cari yg lower interest, takut in future kena revised interest based bank negara..

ninja boy Publish time 24-12-2018 06:46 PM

Pls cari lagi 5 bank lain termasuk yg oversea punya Dan compare

Naatasha Publish time 24-12-2018 09:12 PM

nor876 replied at 24-12-2018 08:22 AM
mcm sy dulu sign s&p sblum loan lulus...pas dh sign br terkial2 tny bank..last2 dpt maybank.rate tim ...

Mbb punya rate naik smpai 4.7%? Betul ke?

Naatasha Publish time 24-12-2018 09:36 PM

noraidil_06 replied at 22-12-2018 12:03 AM
Ok je. Kdg2 derang akn counter offer. U will get better rate.
Good luck

Sy try nak reject MBB tapi dia kata dia la bank paling stable skrg, n dia punya rate x flactuate. Even bank negara naik kan rate, dia still boleh mantain. Betoi ke x ni. Hahah

nor876 Publish time 26-12-2018 02:35 PM

Naatasha replied at 24-12-2018 09:12 PM
Mbb punya rate naik smpai 4.7%? Betul ke?

yes..betul..maybank naik dr 4.45% jadi 4.7% waktu bank negara revised interest ritu..so now hadap je la..maybank mmg sng skit nk approve dr bank2 lain cz sy dh pnh tny 4 bank time tu..semua x approve except maybank..

Naatasha Publish time 26-12-2018 07:22 PM

nor876 replied at 26-12-2018 02:35 PM
yes..betul..maybank naik dr 4.45% jadi 4.7% waktu bank negara revised interest ritu..so now hadap...

Ye ke. Bank yg sy apply sume dh approve. Tapi skrg rate MBB 4.5%. U punya xde turun balik ke? Sbb rate ni kalo BNM naik, bank mmg kena ikut. Kalo turun, kita punya rate pun turum.

nor876 Publish time 27-12-2018 10:04 AM

Naatasha replied at 26-12-2018 07:22 PM
Ye ke. Bank yg sy apply sume dh approve. Tapi skrg rate MBB 4.5%. U punya xde turun balik ke? Sbb...

so far xde pon turun balik pon...still remain 4.7% dr ritu..

munchkin Publish time 2-1-2019 03:20 AM

Bukan ke ada waktu 14 days kena sign s&p kalau tak seller boleh batalkan? Earnest 2 % dia boleh ambil. Tapi tengok seller lah.
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