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Hi.
Boleh kasi hana explanation & recommendation tak..
bank mana yg paling baik (segi customer lah) utk ambik housing loan?
~ OCBC bank?
~ Eon bank?
~ Alliance bank?
(kat atas nie..antara bank2 panel )
hana confuse lah..
nak baca :
BLR + 0.15 % - ini OCBC bank
BLR - 0.85% - ini ambank
fixed 6.15% - ini AIA (sykt insurans)
antara 3 tu..yg mana paling bagus?
BLR skrg nie brp?
tarak paham lahh.. cara nak baca tu..
tolong someone explain leh tak?
thanks. |
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Originally posted by Hana at 8-1-2007 10:31 AM
Hi.
Boleh kasi hana explanation & recommendation tak..
bank mana yg paling baik (segi customer lah) utk ambik housing loan?
~ OCBC bank?
~ Eon bank?
~ Alliance bank?
(kat atas nie..a ...
Hana,
let say BLR 6.5
so untuk
OCBC = 6.5 + 0.15 = 6.65
Ambank = 6.5 - 0.85 = 5.65
Fixed AIA = 6.15
antara 3 off course fixed term paling bagus
Dari segi customer service - juju x pernah deal dgn ketiga2 bank untuk housing loan.
Juju pernah deal dgn MBSB dgn RHB Bank je. Dua2 ambil Islamic - so fixed rate |
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kak juju nyer MBSB berapa percent???
rasa mcm nak surrender MBSB, nak amek kompeni loan.
agak2 berapa penalty/ fee charge kalau kak juju tahu?? |
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Originally posted by tina^^ at 8-1-2007 05:52 PM
kak juju nyer MBSB berapa percent???
rasa mcm nak surrender MBSB, nak amek kompeni loan.
agak2 berapa penalty/ fee charge kalau kak juju tahu??
tina,
kak juju punya fixed rate 6%. Kenapa nak surrender ? Interest tinggi ke ?...sorry tak perasaan...company loan 4% eh 
Penalty/ fee charge ikut agreement. Normally 1% dari loan amount. Let say loan amount RM200K...so penalty fee dlm RM2K. Kalau after 5 years - rasanya tak de penalty fee. Try call MBSB check.
[ Last edited by Juju at 8-1-2007 06:07 PM ] |
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Originally posted by Juju at 8-1-2007 06:03 PM
tina,
kak juju punya fixed rate 6%. Kenapa nak surrender ? Interest tinggi ke ?...sorry tak perasaan...company loan 4% eh
Penalty/ fee charge ikut agreement. Normally 1% dari loan am ...
ha ah laa.....companyer nyer 4% on reducing balance, makin lama makin murah.......mbsb kan fix rate 25years (loan hb)
oh... after 5 yrs dah takde penalty eh??
aritue nak surrender, depa kater kena lock at least 5 years....terpk gak, takkan tak boleh breach contract?? takkan takde penalty charges...mesti ader kann....
aritu tanyer...derang mcm mengelakkk ajekk.....keep on ckp kena at least 5 years :kant: |
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Originally posted by <i>tina^^</i> at 8-1-2007 06:11 PM<br />
<br />
<br />
<br />
ha ah laa.....companyer nyer 4% on reducing balance, makin lama makin murah.......mbsb kan fix rate 25years (loan hb) <br />
<br />
oh... after 5 yrs dah takde penalty eh??<br />
<br />
aritue nak surrender ...
Tina,
Amiklah yang islamic punya.. at least rumah tu ada aura barakah tu.. he hee..
lain lah kalau tiada alternative loan... |
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:setuju: bersepah2 package utk islamic loan ni. |
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Originally posted by tina^^ at 8-1-2007 06:11 PM
ha ah laa.....companyer nyer 4% on reducing balance, makin lama makin murah.......mbsb kan fix rate 25years (loan hb)
oh... after 5 yrs dah takde penalty eh??
aritue nak surrender ...
tina,
ok le kalau dpt reducing balance on 4% int. Surrender je dgn MBSB. Frankly speaking staff MBSB cam blur sikit bila kita tanya lebih2. Anyway kira semua worth it ke tak nak surrender.
About Islamic - mmg agreed ada aura barakah. Tapi dgn interest yg tinggi - juju rasa dah membebankan customer. Di sini berlaku penindasan. Padahal dalam Islam - bila berlaku penindasan tak tahu mana datangnya barakah tu |
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Originally posted by <i>Juju</i> at 9-1-2007 06:55 PM<br />
<br />
<br />
tina,<br />
<br />
ok le kalau dpt reducing balance on 4% int. Surrender je dgn MBSB. Frankly speaking staff MBSB cam blur sikit bila kita tanya lebih2. Anyway kira semua worth it ke tak nak surrende ...
Terasa interest nya tinggi sebab membandingkan dgn conventional loan sbb conventional loan dah lama bertapak di msia.Walhal islamic and conventional is totally different in principal anc concept..
Unsur penindasan atau tidak wallahua'lam. Sebab mereka pun berniaga dan hendak jugak keuntungan . In msia their market capitlisation is still in growth compared to conventional yg dah lama bertapak.. But harapnya dgn ada foreign islamic i.e Rajhi the interest rate will be dropped...in future. Then boleh buat refinancing balik. Apa pun we have a choice but terpulang pada masing masing. |
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Reply #9 CivicSI's post
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Nak tanya, my husband dia amik staff loan ..but lepas tue dia pindah kerja kat bank lain so dia punya staff loan dh bertukar ikut BLR ...tapi now dia boleh apply staff loan untuk company baru nie tapi orang kata kena bayar lawyer fee kan untuk new agreement...selalu nya how much ye? Ada sapa tahu tak? |
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Originally posted by <i>zasha78my</i> at 10-1-2007 10:45 AM<br />
Nak tanya, my husband dia amik staff loan ..but lepas tue dia pindah kerja kat bank lain so dia punya staff loan dh bertukar ikut BLR ...tapi now dia boleh apply staff loan untuk company baru nie ...
Ni saya tak tahu nak jawab. Sorry ya. |
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juju,
nak tanya..yang ko ambik loan MBSB tu islamic ker tak?
n tahun bila ko ambik?
aku ambik gak loan MBSB..islamic..tapi interest 7.1% for 30 years...
then satu lagi...payah la nak bayar loan dia..coz kena bayar kat kaunter...nak thru online or debit from akaun bank tak boleh pulak...ko bayar macam mana? |
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Originally posted by Medusa at 10-1-2007 02:26 PM
juju,
nak tanya..yang ko ambik loan MBSB tu islamic ker tak?
n tahun bila ko ambik?
aku ambik gak loan MBSB..islamic..tapi interest 7.1% for 30 years...
then satu lagi...payah la nak ...
masa tu MBSB tak de islamic...so conventional le....tapi fixed rate 6%...ambik tahun 2001 tak silap...before new management & nie last yg dpt fixed rate 6%
opis juju kat damansara heights....so jln kaki je pi MBSB Building tu bayar....sunday pun diorg bukak ...tak try bayar guna cheque & pos ke ? |
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Originally posted by zasha78my at 10-1-2007 10:45 AM
Nak tanya, my husband dia amik staff loan ..but lepas tue dia pindah kerja kat bank lain so dia punya staff loan dh bertukar ikut BLR ...tapi now dia boleh apply staff loan untuk company baru nie ...
nak cuba bagi input aje..ikut logik...documentation utk bank loan..lawyer still kena go through process yang sama macam masa buat first time kan...so normally dalam 3-4k kot..bergantung pada harga rumah(ke?)...tapi rasanya roughly dalam harga gitu lah...lebih senang zasha call sendiri lawyer panel bank tu dan ajukan soalan ni..sekian harap dpt membantu |
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ha ah la...MBSB nie susah nak bayar...penah requestd erang soh put application dlm Maybank2u..tp derang kater kena tolak caj 5 ringgit per processing....lepas tue ada org komplen mahal.
but to me....nak go thru hassle pegi baya MBSB tue dgn 5ringgit...lebe kurang jek.... |
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Originally posted by tina^^ at 10-1-2007 05:01 PM
ha ah la...MBSB nie susah nak bayar...penah requestd erang soh put application dlm Maybank2u..tp derang kater kena tolak caj 5 ringgit per processing....lepas tue ada org komplen mahal.
but to ...
hehhhe...tak pun suruh je despatch opis bayarkan...pastu bagi upah RM5.00 |
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korang...refinance rumah nie, wats the pro & cons dier ah?? |
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Originally posted by Juju at 10-1-2007 05:03 PM
hehhhe...tak pun suruh je despatch opis bayarkan...pastu bagi upah RM5.00
sini tadek despatch lah kak juju..tue yg problemo nyer...hihi |
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Originally posted by tina^^ at 10-1-2007 05:03 PM
korang...refinance rumah nie, wats the pro & cons dier ah??
As far as I'm concerned, one will refinance his/her property for the following reasons:-
1. to reduce the installment amount.
2. nak guna duit yang dapat dari new financing tu.... run business or main share ke
TAPi perlu ingat, bank akan luluskan refinancing hanya utk 80% from market value
Disadvantage : longer financing tenor |
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ninjamerah This user has been deleted
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Originally posted by Hana at 8-1-2007 10:31 AM
Hi.
Boleh kasi hana explanation & recommendation tak..
bank mana yg paling baik (segi customer lah) utk ambik housing loan?
~ OCBC bank?
~ Eon bank?
~ Alliance bank?
(kat atas nie..a ...
bagus ka tak bagus ka aku tak pasti la...tapi aku baru buat housing loan dengan Eon Bank menggunakan sistem perbankan islam BBA:
interest rate :
1st year :2.5%
2nd year:5.0%
3rd year hingga 30th year:7.5 %
30 tahun...
rumah second hand. |
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Post time 8-1-2007 10:31 AM
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