RE－FINANCE， 省RM１５K， 值得吗？

paogeh

这是BRANCH MANAGER 算给我的。

用DIFFERENTIAL INTEREST RATE，

example：

BLR－１ VS BLR－１。６５

DIFFERENTIAL＝＝０。６５％

如果LOAN＝RM３８０K＊０。６５％＝＝RM２４７０／year

５年＝＝２４７０X５＝RM１２３５０ ＝＝＝＝RM１５K＋＋


如果是这样， 值得RE－FINANCE 吗 ？




http://chinese.cari.com.my/myforum/viewthread.php?tid=995818&extra=page%3D1

有得省为什么不要?
有没有其他的TRANSFERING确COST?

vinchee1219

只要没附加费，是值得的？不同的银行吗？

enotiz

如果是已经超过5年的借贷应该没问题。
还有re-finance需要付律师费和别的费用吗？总共多少？

paogeh

原帖由 enotiz 于 22-10-2007 07:16 PM 发表
如果是已经超过5年的借贷应该没问题。
还有re-finance需要付律师费和别的费用吗？总共多少？

MAYBANK ABOSRB 所有的PENALTY ＋ LEGAL

BLR－１。６５＝＝＝FULL tenure


LOCK－IN＝６年
PENATLY ＝６％


问题是，
－MAYBANK 的SERVICE 不是那么好。
－而且以后有问题很难找有关的OFFICER谈。

好处：
１。 省RM１０K－－１４K

maomao2

大大所谓的ABOSRB 所有的PENALTY ＋ LEGAL是不是说这些费用全都是银行出，而不是加进贷款配套里。。。谢谢。。。

pointlim

好是好，请问有hidden cost吗？

vinchee1219

我的lock in 五年，penalty 3%

paogeh

以下是 MAYBANK 的 OFFER LETTER，

个位大大给些意见？

谢谢

            ====================PART1=======================================

LETTER OF OFFER

PRIVATE & CONFIDENTIAL
OurRef :
Date:


Mr. XYZ &
Mr. PQRS
123, LIVERPOOL

11900Sg Nibong
PENANG



DearSir/Mdm
Re: Banking Facility
_____________________________________________________________________________
Weare pleased to advise that your application for a banking facility under Maybank’s "Zero Entry Cost"has been approved subject to the following terms and conditions:-
FACILITY(S)

Type                               Amount

Maxihome Premier       RM400,000-00




PRESCRIBED RATE

Base Lending Rate (BLR) minus1.65% p.a.on daily rest until full settlement of loan.
Currentlythe Bank's Base Lending Rate is 6.75%p.a.
Notwithstandinganything herein contained, the above interest rates may be varied at any timeat the Bank’s discretion.
Duringperiod of progressive drawdown of the loan, interest shall be calculated ondaily rest and payable monthly. Thereafter, upon full drawdown of the loan,interest shall be calculated on daily rests.


PURPOSE

Torefinance existing facility from UOB Bank.


PROCESSING FEE

Waived.
REPAYMENT
For30 years subject to monthlyrepayment of RM2,172-00 or untilfull settlement of loan.
Theabove instalment amount and/or the number of instalment may be varied at theBank’s discretion.
SECURITY
Bya Facility Agreement together with 1st Party Legal Charge over the propertyunder held under Geran No. Pendaftaran XXXX,Lot No. XXX, Mukim 12, Tanjung Tokong, Daerah Barat Daya, Penang andknown as 123 liverppol, 11900Sg.Nibong, Penang and such otherdocuments or security documents as the Bank’s solicitors may advise.
Thetitle deed is registered in the names of XYZ (IC No. XXXXXX-07-XXXX)& PQRS (IC No. XXXXX-XX-).

paogeh

========================PART2========================================




SPECIFIC TERMS AND CONDITIONS

• Terms and conditions as per       Annexure attached.
• The loan is for redemption       sum only.
• No lump sum payments       exceeding 6 months instalment       amount are allowed during exit penalty period, otherwise a penalty of 1% of the lump sum payment made will       be charged and debited into the housing loan account.
• You are to execute a       Variable Standing Instruction for the repayment of this financing.

(inclusive of progressive interest payment).
a) Where repayment of this facility is by way of astanding instruction created in favour of the Bank, an account with the Bankmust be opened and maintained with sufficient funds in it at all times tofacilitate end ensure the said repayments are made in accordance with the termsherein and if such a deposit account is not yet opened and maintained by youwith the Bank, then an account must be opened by you with the Bank prior to anydisbursement of the facility.

• A stamping fee of RM10-00       each for Letter Offer and Standing Instruction respectively are to be       borne by you.
• In the event of any default       in the repayment of the facility, the Bank shall convert any of the       prescribed interest rate in this letter of offer to the default rate of       BLR + 0.20%.
• Early Settlement Fee of 6.0% on the approved loan/financing       amount or 1 month instalment, whichever is higher, in the event of the       facility is settle/redeemed within 6       (six) years from the date of full loan/financing release.
• The Bank shall absorb all       legal fee, stamp duty, disbursement fee, exit penalty amount stated in the redemption       statement from existing chargee bank and valuation fee       pertaining to the loan/financing agreement between you and the Bank,       except fee pertaining to the Memorandum of Transfer, up to a maximum of 6.0% of the approved loan/financing       amount or RM40,000       whichever is lower. In the event that the financing is cancelled by you       at any time during the period between acceptance of this Letter of Offer       and full disbursement by the Bank of the financing amount, the Bank       reserves the right to recover from you all legal fees, stamp duty,       disbursement, valuation fees and costs incurred or suffered by the Bank       arising from or relating to this financing (including those which the       Bank had agreed to bear as aforesaid) by any method the Bank deems       necessary without further notice, including the right to debit any       account maintained by you with the Bank. You shall be liable to pay all       fees and expenses including the Bank’s legal fee, for any monies       that shall be required to be recovered by any process of law or by the       Bank’s solicitors.
• On the 5th year onwards,       the bank reserves the right to increase the prevailing interest rate to       at least BLR + 0.00% in the event the difference between the BLR (Base       Lending Rate) and the OPR (Overnight Policy Rate) declines to below 2%.

Thatthe abovesaid terms and conditions are not exhaustive and that this offerletter when accepted forms a provisional agreement until a fully legalisedagreement drawn up by the Bank's panel solicitors is signed. On such signingthe abovesaid terms and conditions shall be part of the Agreement and/or anyrelevant security documents whether expressed therein or otherwise.
Pleaseconfirm your acceptance to the above terms and conditions by signing andreturning to us the original copy of this letter within FOURTEEN (14) days from the date of thisletter otherwise this offer will lapse.
Yoursfaithfully
forMAYBANK
Penang Main Sales& Service Centre
Wong CheeChoong                                                           Keng Wah Keong
Manager                                                                                  ConsumerSales Executive

[/quote]

[ 本帖最后由 paogeh 于 25-10-2007 12:01 AM 编辑 ]

paogeh

==================PART3 ===============================APPENDIX III OTHER TERMS AND CONDITIONS

• PRECONDITIONS     TO DISBURSEMENTS

The facility(s) is available for drawdown orutilisation only upon completion of legal documentation and fulfilment ofconditions precedent as the Bank may require and subject to the Bank beingsatisfied (and in this respect the Bank’s decision shall be conclusive)that there are no material changes affecting your financial condition and thereis no occurrence of any of the events set out in Clause 11 hereof.

• CONSENTS,     UNDERTAKING AND CAVEAT

You shall by signing and accepting this letter,consent and authorise the Bank to lodge any caveat or to obtain allundertakings, disclaimers and consents to the satisfaction of the Bank whichare necessary in the Bank's view for release of the facility(s

• INTEREST

Interest charged should be settled on the firstday of the following month. Without prejudice to any other right of the Bank,your account may be debited with the interest charged and a penalty interest of1% pa subject to a minimum of Ringgit Malaysia Five (RM5-00) or such higherrate as may be imposed by the Bank at any time and from time to time on anylate payment.

• PREPAYMENT     OF TL *

Your term loan may be prepaid by giving the Bankone (1) month prior notice in writing or by paying one (1) month interest inlieu of notice .

• COMMITMENT     FEE ON OD *

A commitment fee at the rate of 1% per annum orsuch higher rate as may be prescribed by the Bank shall be levied on theunutilised portion of the OD facility and shall be payable monthly in arrears.For the time being, commitment fee is not imposed if you are an individualborrower whose aggregate limit of your OD does not exceed RM250,000 or suchother amount as the Bank may decide from time to time.

• EXCESS FEE     ON OD *

In the event that the Bank shall demand repaymentof the OD, or, you shall draw on the OD in excess of the approved limit(whether such excess shall arise as permitted from time to time by the Bank orby any debit to your account which the Bank is entitled to make), you shall beliable, without prejudice to any other right or remedy of the Bank, to payadditional interest on the amount outstanding and unpaid upon demand for therepayment of the OD, or the amount in excess of the limit of the OD, as thecase may be, at the rate of one per cent (1%) per annum subject to a minimum ofRinggit Malaysia Five (RM5-00), or such higher rate as shall be imposed by theBank at any and from time to time, above the prescribed rate for OD.

• CANCELLATION     AND DEMAND

Notwithstanding any other provisions herein statedrelating to the availability of the facility(s) or any part thereof, the Bankreserves the right to recall or cancel the facility(s) or any part thereof, atany time it deems fit without assigning any reason thereto by giving writtennotice of the same, whereupon the facility(s) or such part thereof shall becancelled and the whole indebtedness or such part thereof shall be repayableupon demand.

• EXECUTION     OF LEGAL DOCUMENTATION

All legal documentation as advised by theBank’s solicitors must be executed by you within 30 days from the datethis letter is duly acknowledged ("hereinafter referred to as completiondate") or if a written request is made by you for an extension before thecompletion date, such other period(s) as the Bank may in its absolutediscretion agree in writing. The Bank reserves the right to recall or cancelthe facility(s) due to non-execution of the legal documentation by thecompletion date or such extended period from the completion date.

• DEBIT TO     ACCOUNT

Any monies due and payable to the Bank, oradvanced by the Bank on your behalf, may at any time without notice be debitedto any account as the Bank deems fit with interest at the rate as determined bythe Bank in its sole discretion to accrue accordingly and, if debited to yourcurrent account may be treated as an advance on an overdraft facility.

• ADVANCE     PAYMENT REDRAW

a) Subject to condition 13, in the event that youhave made a repayment of the housing loan facility(s) in an amount which isexcess of your monthly instalment amount, you may make a request via theBank’s website www.maybank 2u.com.my, subject to the Bank’sapproval, to withdraw the amount which is in excess of your monthly instalment("Advance Payment Redraw"). b) The Advance Payment Redraw is only available tohousing loan facilities and is subject to the following conditions:- i The amount of advance payment available forwithdrawal (as reflected in the Bank’s website) will amongst others havetaken into account fees, charges, interest etc which are imposed by the Bankfrom time to time in accordance with the terms of your housing loan and anyinstallments which are due to the Bank and is limited to the current amountoutstanding in your housing loan account as at the date of your application forthe Advance Payment Redraw facility, ; ii Access and utilisation of the Advance PaymentRedraw facility will only be made available to the firstnamed borrower in thisletter of offer; iii The amount withdrawn from the Advance PaymentRedraw facility will be credited to the conventional deposit account selectedby you ; iv The amount to be withdrawn from the AdvancePayment Redraw facility must be in multiples of RM1,000.00 v A processing fee of RM25.00 will be charged foreach successful application for the Advance Payment Redraw facility. The feewill be debited from your housing loan account.

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=== ?????? =========

paogeh

======== :@:@:@:@:@PART4:@ ===============================

• REVIEW

Notwithstanding and without prejudice to anythingherein stated, the Bank may review the facility(s) from time to time or at anytime as the Bank may in its sole and absolute discretion deem as fit.

• EVENTS OF     DEFAULT

Notwithstanding any of the provisions hereinrelating to repayment to the facility(s), the facility(s) or any part thereofmay be cancelled whereupon all principal and advances for the time beingoutstanding and unpaid together with interest thereon and all other moneysowing to the Bank secured by any security shall be repayable on demand in theevent:-

• You, your guarantor or any      party providing security for the facility(s) (security party) (i)      defaults or fails to pay any amount due in respect of the facility(s) or      (ii) fails to pay on due date any monies payable by you, your guarantor      or security party under any agreement or arrangement to any other lender;
• You, your guarantor or      security party dies, become insane or is adjudicated a bankrupt or is      wound up;
• You, your guarantor or      security party fails to observe or perform any of the agreement,      covenants, stipulations, terms and conditions herein to be observed or      performed;
• A distress or execution is      levied or enforced upon any of your property or assets or your guarantor      or security party’s property or assets and is not satisfied within      7 days from the date of commencement of such distress or execution;
• Legal proceedings, suit or      action of any kind is instituted against you, your guarantor or security      party;
• You, your guarantor or      security party is unable to pay any debt or suspend payment thereof or      enter into any arrangement or composition with your creditors or your      guarantor or security party’s creditors, or commit an act of      bankruptcy;
• Any event occurs or      circumstances arose including changes in your financial condition which      in the opinion of the Bank would materially affect your ability or your      guarantor or security party’s ability to perform or comply with      your/his obligations to the Bank;
• The Bank is of the opinion      that the security in favour of the Bank is in jeopardy;
• You have been listed as a      bad cheque offender by the Biro Maklumat Cek set up by Bank Negara Malaysia ;
• Such other events of      default as may be advised by the Bank’s solicitors.

   

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:@:@:@:@:@:@:@:@

paogeh

========PART5 =============pening lioa ....

• INSURANCE

A ) Houseowner’s policy: Dwelling

• The Bank requires this     Dwelling property to be protected by a Houseowner’s policy.
• The Bank will take up and     maintain a Houseowner’s policy on your behalffrom Mayban General Assurance Bhd or from     the Bank’s panel of insurance companies or such other companies     approved by the Bank with the Bank’s interest as chargee and loss     payee endorsed thereon.

• A standard     Houseowner’s policy, including but not limited to the following     perils will be taken up:-

• Fire, Lightning,      Thunderbolt and Subterranean Fire

• Riot and Strike, Malicious      Damage

• Explosion,

• Aircraft Damage

• Impact Damage

• Bursting or Overflowing of      Domestic Water Tanks, Apparatus or Pipes

• Theft by forcible entry or      exit

• Hurricane, Cyclone, Typhoon      & Windstorm

• Earthquake & Volcanic      Eruption

• Flood

• and such other perils as      the Bank may require.

ii) The sum to be insured will be at RM315,000-00 (If not adequate, in caseof a claim, the average condition of insurance policy will apply). iii) For Building in the Course of Construction(BICC), a Fire policy will be taken up (refer to item 14B as stated below). iv) In case a building is under construction(BICC), the Bank will convert the policy into Houseowner’s policy, uponfinal release of loan.

• All policies will be taken     up at your own costs and expenses and the Bank reserves the right to pay     the premium for any policy on your behalf to the debit of your account.

B) Fire policy: Non-Dwelling / Building in theCourse of Construction (BICC) a) The Bank requires this Non-Dwelling propertyand/or Building in the Course of Construction to be protected by a FireInsurance policy.

• The Bank will take up and     maintain a Fire Insurance policy on your behalffrom Mayban General Assurance Bhd or from     the Bank’s panel of insurance companies or such other companies     approved by the Bank with the Bank’s interest as chargee and loss     payee endorsed thereon.

• A Fire Insurance policy,     including but not limited to the following perils will be taken up:-

• Fire

• Lightning

• Explosion

• Impact Damage (not      applicable for BICC)

• and such other perils as      the Bank may require.

ii) The sum to be insured will be at RM………….……. . (If not adequate, in case of aclaim, the average condition of insurance policy will apply). iii) In case a building is under construction(BICC), the Bank will convert the policy into Houseowner policy, upon finalrelease of loan.

• All policies will be taken     up at your own costs and expenses and the Bank reserves the right to pay     the

premiumfor any policy on your behalf to the debit of your account. C. Mortgage Life Insurance a) Atthe Bank's request, you may also be required to take up and maintain a MortgageReducing Term Policy with Mayban Life Assurance Bhd or with the Bank’spanel of insurance companies approved by the Bank on such terms and conditionsas the Bank may stipulate.

• The Mortgage Reducing Term     Policy will take effect from the date the facility (s) is first disbursed.

c) All policies will be taken up at your own costsand expenses and the Bank reserves the Right to pay the premium for any policy on your behalf to the debitof your account. 15. COSTS, EXPENSES AND FEES All costs and expenses including legal fees (on asolicitor and client basis), stamp duty, incidental fee or other chargesincurred in the preparation of all documentation and perfection of theBank’s security shall be borne by you. In the event you, having acceptedthis letter, fail for any reason whatsoever to proceed with the facility(s),all costs and expenses whatsoever incurred by the Bank and any solicitorsinstructed by the Bank shall be borne by you. You shall be liable to pay allfees and expenses including the Bank’s legal fees if any monies shall berequired to be recovered by any process of law or by the Bank’ssolicitors.

• VALUATION

The property to be charged or assigned to the Bankas security for the facility(s) may from time to time as the Bank deemsnecessary be required to be valued or revalued by the Bank’s appointedvaluers at your cost and expense.

• GUARANTEE *

Notwithstanding anything herein contained, thefact that one or more of the guarantors named herein may not have executed aguarantee in form and substance acceptable to the Bank, the guarantee whenexecuted shall be binding and enforceable against each guarantor who executesthe same.  

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paogeh

• STATEMENT     BY BANK

A statement by a duly authorised officer of theBank for the time being, as to any amount due and payable shall, save for manifest error, beconclusive evidence for all purposes.

• NOTICES

Any notice or communication may be in writing andmay be delivered personally, by post, telex, cable or facsimile to you at theaddress herein stated. Proof of posting or dispatch of any notice orcommunication to you shall be deemed to be proof of receipt:- a) if personally delivered, at the time ofdelivery; or b) if posted, on the second business day afterposting; or c) in the case of telex or cable, on the businessday immediately after transmission; or d) in the case of a facsimile, on the business dayimmediately after transmission provided that the Bank has received an answerback confirmation. No change in your address herein stated howsoeverbrought about shall be effective or binding on the Bank unless actual notice of the change of addresshas been given to the Bank.

• SERVICE OF     LEGAL PROCESS

The service of any legal process may be given byprepaid registered or ordinary post sent to you at the address herein statedand such legal process shall be deemed to have been duly served after theexpiration of five (5) days from the date it is posted. No change in your address herein stated howsoeverbrought about shall be effective or binding on the Bank unless actual notice ofthe change of address has been given to the Bank.

• DECLARATION

i. You shall furnish to us a statutory declarationin form and substance acceptable to us declaring that the property will beoccupied by you or used for your own business until the facility(s) has beenrepaid fully and in the event that you make a withdrawal from your EPF accounttowards reducing the outstanding Term Loan Facility(s) and the same is creditedto your account, you will not at any time withdraw any or all of the said EPFpayment from your account. ii. It is a term of this offer that the propertyshall be occupied by you or used for your own business until the facility(s) isrepaid in full and you will not withdraw any EPF payments credited to youraccount. In the event there is any breach of this term by you, the Bank shallbe entitled to: a) recall the facility(s); b) reduce the margin of the facility(s) whereuponyou shall promptly settle the excess outstanding (if any) within 7 days from the date of reduction;and/or c) increase the interest rate prescribed or thespread or quantum of the interest rate over and above the Bank's Base Lending Rate.

• DISCLOSURE

You hereby give your consent to the Bank todisclose information pertaining to the facility(s) and your banking account(s)with the Bank to the Bank’s subsidiaries, agent or representatives, anyguarantor, chargor, security party or any other person who has undertakenliability for your facility(s) with the Bank.

• BIRO     MAKLUMAT CEK (BMC) GUIDELINES

In accordance with the prevailing BMC guidelinesissued by Bank Negara Malaysia from time to time, the Bank reserves the rightwithout prior notice or reference to you to close your current account(s)whether held solely or jointly with others tocomply with the guidelines.

• BANKING     & FINANCIAL INSTITUTIONS ACT, 1989 (BAFIA)

In compliance with Section 62 of BAFIA, theapproval and the operation or utilisation from time to time of the facility(s)is strictly conditional that neither you nor any of your partners or directors,shareholders, managers or agents of your firm or company or guarantors for thefacility(s) is directly related to any director, officer or employee of theBank currently or at any time in the future either as a parent, spouse orchild. The Bank reserves the right to recall the facility(s) and you herebyundertake to advise the Bank immediately if the above relationship isestablished or discovered at any time.

• CENTRAL     CREDIT UNIT

Bank Negara Malaysia has established theCentral Credit Unit to collect information from banks regarding the creditfacilities which they grant to their customers. It is a term of the facility(s)offered in this letter to you that information regarding it will be given tothe Unit for the use of the Unit and participating banks. This information iskept strictly confidential between the Unit and all participating banks.  * Delete whichever is notapplicable.

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paogeh

原帖由 paogeh 于 25-10-2007 12:23 AM 发表


对不起，您的帖子小于 10 个字符的限制，请返回修改。

可恶！！！

用了１５分钟来COPY PASTE 简单的 OFFER LETTER ！！！
手腕好痛勒。。。。。 （用mouse 太多了。。。。）