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发表于 2-4-2016 02:28 PM
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在哪里查到的
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发表于 2-4-2016 02:29 PM
来自手机
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ricgan 发表于 2-4-2016 02:28 PM
在哪里查到的
banker给的银行系统消息~ |
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楼主 |
发表于 2-4-2016 07:22 PM
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你好，
这就是说，银行的CREDIT CONTROLLER 在检验着到底适不适批你的贷款
所以是还未知数。
CHEERS
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发表于 3-4-2016 11:16 PM
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本帖最后由 mygary90 于 5-4-2016 10:12 PM 编辑
年龄: 26
月收入: 5,000 Gross
没有贷款。
有信用卡
我还能供多少钱的屋子，每个月能供多少？ |
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发表于 3-4-2016 11:29 PM
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年龄38
net RM 2700++
店1 2004年 每个月1000，2人联名，剩下80K
屋1 2016年 每个月460，还没开始供，90k
请问现在可以再借多一间270k屋吗？最多还可以借多少？
谢谢 |
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楼主 |
发表于 6-4-2016 03:28 AM
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你好
1. 最高贷款：
| Rm | | AMBANK | 506,750.00 | | HONG LEONG | 717,895.83 | | MAYBANK | 591,208.33 | | OCBC | 506,750.00 | | RHB | 633,437.50 | | UOB | 548,979.17 | | CIMB | 506,750.00 | | AFFIN | 675,666.67 |
2. 每月 RM 3269
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楼主 |
发表于 6-4-2016 03:30 AM
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你好
1.
贷款 最高:
| Rm | | AMBANK | 64,190.53 | | HONG LEONG | 91,478.40 | | MAYBANK | 36,902.67 | | OCBC | 91,478.40 | | RHB | 173,342.00 | | UOB | 91,478.40 | | CIMB | 64,190.53 | | AFFIN | 91,478.40 |
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发表于 11-4-2016 04:56 PM
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楼主你好 我想请问 semi flexi loan and full flexi loan 的差别在哪里?
每间银行都不一样吗? 如果说我loan 80% 然后过几个月再丢 RM100k-200k 进去 ,那我应该选择 semi flexi loan 还是 full flexi loan 比较好? pbb跟我说如果我选full flexi loan 过后丢钱进去也只是能offset 70% principle 而已 ..是这样吗? 谢谢 |
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楼主 |
发表于 12-4-2016 11:42 AM
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xiaoxue0912 发表于 11-4-2016 04:56 PM
楼主你好 我想请问 semi flexi loan and full flexi loan 的差别在哪里?
每间银行都不一样吗? 如果说我loan 80% 然后过几个月再丢 RM100k-200k 进去 ,那我应该选择 semi flexi loan 还是 full flexi loan 比较好? pbb跟我说如果我选full flexi loan 过后丢钱进去也只是能offset 70% principle 而已 ..是这样吗? 谢谢
你好
Full flexi:
1) current account tied to loan account
2) auto debit from current account at month end and interest is calculated based on outstanding balance minus amount in current account
3) maintenance charge of RM10 per month
4) setup/ processing fee of Rm200 (certain bank)
5)The liquidity comes in the form of an ATM card or a linked CASA account to the housing loan.
Example: You have a shop that is opened Monday to Satuday, rest on Sunday. On Saturday, you deposit all your proceeds of the week into the flexi account, on Sunday, you would save [(your-HL-interest-rate)/365]*AmountDeposited worth of interest. On Monday, you withdraw the money to run your business
6) Withdrawal of money or crediting of money through ATM,CHEQUE,OVER THE COUNTER, or online
Semi Flexi
semi flexi package typically has these features:
1) requires you to phone in to indicate the extra payment as early settlement of advance payments
2) if you fail to indicate, you will be charged 1% (some banks do this afaik)
3) if you indicate advance payment, no additional interest is saved as "advance" payment will only be credited to your loan account when it reaches your cycle date, so it is plain advance payments. and must be in multiple of your monthly payment.
4) For redrawable prepayments, you need to indicate separately and Redraw charge of RM50 is imposed (M*B charge Rm25)
5) Withdrawal of money or crediting of money through Cheque or Over the counter
[U][B]Extra payment[/B][/U]
1. When you pay extra for monthly installment, which it will reduce your total interest charges.
Example:
2016
Housing loan Rm500,000 / 4.5% interest rate / 35 years loan tenure
Monthly installment is RM2,366 (Rm1,875 Interest + Rm491.28 Principal = Rm2,366)
As you can see, your installment payment are actually paying more towards your interest than your principal.
If you decided to start paying extra RM500 every month. Your Monthly payment will be RM2,866 (RM1,875 Interest +RM991.28 Principal = RM2,866)
You will be paying more towards your Principal with the extra RM500. Hence, if you continue paying extra RM500/month consistently.
Your total interest saved would be RM180,759
Your Loan tenure will be shorten by 136months.
-This will help reduce your interest charges and reduce the loan tenure.
[U][B]Paying extra to Capital account/advanced account[/B][/U]
2. If you have a sudden influx of cash into your pocket, lets say inheritance of RM100,000, and you decided to put it into your housing loan capital account/advanced account, because you have max out ASB and other financial options.
Example:
2016
- Housing loan Rm500,000 / 4.5% interest rate / 35 years loan tenure
Monthly installment is RM2,366 (Rm1,875 Interest + Rm491.28 Principal = Rm2,366)
Total interest charge: RM493,837.28
- If you credit in Rm100,000 into the account, housing loan outstanding would be RM400,000 (RM500,000 -RM100,000), and paying the same installment amount, this will reduce your total interest charge to Rm395,072.
Because the interest you are paying right now is 4.5% on Rm400,000 instead 4.5% on Rm500,000.
Hence, you save interest and reduce the loan tenure likewise.
Do note* Your installment will never alter, your minimum installment payment will forever be the same RM2,366 for the rest of the mortgage tenure. It will never be reduced*
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发表于 12-4-2016 01:26 PM
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本帖最后由 xiaoxue0912 于 12-4-2016 01:34 PM 编辑
Madgenius 发表于 12-4-2016 11:42 AM
你好
Full flexi:
1) current account tied to loan account
2) auto debit from current account at month end and interest is calculated based on outstanding balance minus amount in current account
3) maintenance charge of RM10 per month
4) setup/ processing fee of Rm200 (certain bank)
5)The liquidity comes in the form of an ATM card or a linked CASA account to the housing loan.
Example: You have a shop that is opened Monday to Satuday, rest on Sunday. On Saturday, you deposit all your proceeds of the week into the flexi account, on Sunday, you would save [(your-HL-interest-rate)/365]*AmountDeposited worth of interest. On Monday, you withdraw the money to run your business
6) Withdrawal of money or crediting of money through ATM,CHEQUE,OVER THE COUNTER, or online
Semi Flexi
semi flexi package typically has these features:
1) requires you to phone in to indicate the extra payment as early settlement of advance payments
2) if you fail to indicate, you will be charged 1% (some banks do this afaik)
3) if you indicate advance payment, no additional interest is saved as "advance" payment will only be credited to your loan account when it reaches your cycle date, so it is plain advance payments. and must be in multiple of your monthly payment.
4) For redrawable prepayments, you need to indicate separately and Redraw charge of RM50 is imposed (M*B charge Rm25)
5) Withdrawal of money or crediting of money through Cheque or Over the counter
Extra payment
1. When you pay extra for monthly installment, which it will reduce your total interest charges.
Example:
2016
Housing loan Rm500,000 / 4.5% interest rate / 35 years loan tenure
Monthly installment is RM2,366 (Rm1,875 Interest + Rm491.28 Principal = Rm2,366)
As you can see, your installment payment are actually paying more towards your interest than your principal.
If you decided to start paying extra RM500 every month. Your Monthly payment will be RM2,866 (RM1,875 Interest +RM99 ...
Extra payment on monthly
(Example)
If you decided to start paying extra RM500 every month. Your Monthly payment will be RM2,866 (RM1,875 Interest +RM991.28 Principal = RM2,866)
Paying extra to Capital account/advanced account
(Example)
If you credit in Rm100,000 into the account, housing loan outstanding would be RM400,000 (RM500,000 -RM100,000), and paying the same installment amount, this will reduce your total interest charge to Rm395,072.
以上这两个 example 都可以在 semi flexi and full flexi loan 里面用吗? 还是只有其中一个可以呢?
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发表于 12-4-2016 02:55 PM
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年龄：34
薪水：RM5k
房贷：屋子1（2人联名）RM1.1k
出租：屋子1（2人联名）RM1.9k
车贷：－
卡债：－
～
最近看上1间sub sale 卖 850k，请问借到90%吗？ |
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楼主 |
发表于 12-4-2016 04:43 PM
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xiaoxue0912 发表于 12-4-2016 01:26 PM
Extra payment on monthly
(Example)
If you decided to start paying extra RM500 every month. Your Monthly payment will be RM2,866 (RM1,875 Interest +RM991.28 Principal = RM2,866)
Paying extra to Capital account/advanced account
(Example)
If you credit in Rm100,000 into the account, housing loan outstanding would be RM400,000 (RM500,000 -RM100,000), and paying the same installment amount, this will reduce your total interest charge to Rm395,072.
以上这两个 example 都可以在 semi flexi and full flexi loan 里面用吗? 还是只有其中一个可以呢?
你好
1. 两个都可以
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楼主 |
发表于 12-4-2016 04:45 PM
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你好
1. 贷款可以最高
| Rm | | AMBANK | 509,038.33 | | HONG LEONG | 681,325.83 | | MAYBANK | 509,038.33 | | OCBC | 509,038.33 | | RHB | 566,467.50 | | UOB | 509,038.33 | | CIMB | 566,467.50 | | AFFIN | - |
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发表于 13-4-2016 09:58 AM
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发表于 13-4-2016 06:05 PM
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我想请问如果银行1 给我 4.45 , 银行2给我4.35 .
但是银行1说明天开始BL会跌, interest rate 会变成4.31 . 可是我offer letter 是follow 4.45.
我应该拿哪一间呢?
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发表于 14-4-2016 12:05 AM
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去查了，有record。也去PTPTN问了。
有2个方法
1) 还完所有的outstanding, 下个月就会变成0，但是之前的记录还会有在，要等1年才会不见。clear完了outstanding，PTPTN会出信。
2) restructure PTPTN，CCRIS那里就会变成0。
如果我想用第1个方法，向银行借钱会有问题吗？Outstanding 也是clear 了，PTPTN也会出信。
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楼主 |
发表于 14-4-2016 07:05 PM
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楼主 |
发表于 14-4-2016 07:06 PM
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Dear
1. 你肯定他说跌就一定跌？ 万一不跌？
2. 选一个 SPREAD RATE 最低的。 4.35% 看来不错
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楼主 |
发表于 14-4-2016 07:06 PM
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来无姓去无名 发表于 14-4-2016 12:05 AM
去查了，有record。也去PTPTN问了。
有2个方法
1) 还完所有的outstanding, 下个月就会变成0，但是之前的记录还会有在，要等1年才会不见。clear完了outstanding，PTPTN会出信。
2) restructure PTPTN，CCRIS那里就会变成0。
如果我想用第1个方法，向银行借钱会有问题吗？Outstanding 也是clear 了，PTPTN也会出信。
DEAR
1. 用第一个 或 第二个方法都可以，没问题
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发表于 17-4-2016 07:11 PM
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May i know which one better? izit choose the total lowest rate or interest lowest rate?
Tks
Pbb 3.65 + 0.75 = 4.4 semi flexi
UOB 3.98 + 0.47 =4.45 semi flexi
RHB 3.9 + 0.6 =4.5 full flexi
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