那里一个BANK给的RATE最好呢?

roberttiong

PUBLIC BANK BERHAD
Currently Bank Negara - BLR is 6.75%

Purchase Price: RM278,000.00

Loan amount: RM250,200.00 ( 90% )
Tenure: 30 years

Non- Free Legal Fees

BLR -2.00% (1st – 3rd year)


BLR –1.80% (4th – 30th year)


Installment: RM 1,306.00 (1st – 3rd year)


RM 1,334.00 (4th – 30th
year)                                 

Free Legal Fees (Fixed Rate)
BLR -5.40%(1st – 5th year)
BLR -1.80% (6th – 30th year)

Installment:
RM 1,405.00 (1st – 5th year)
                 RM 1,344.00 (6th –30th year)


CIMB BANK BERHAD

Purchase Price: RM278,000.00

Loan amount: RM250,200.00 ( 90% )
Tenure: 30 years

Non-Free Legal Fees

BLR -4.90% (1st – 3rd year)


BLR -1.60% (4th – 30th year)


Installment:
RM1,327.00 (1st – 3rd year)


RM1,365.00 (4th – 30th year)


Free Legal Fees (Fixed Rate)
BLR -5.75% (1st – 3rd year)
BLR -1.60% (4th – 30th year)

Installment: RM1,459.00 (1st – 5th year)
RM1,365.00 (6th – 30th year)


那里一个BANK给的RATE最好呢?请大家给点意见

秀气灵人

其实说是FREE LEGAL FEE， 但是已经在你的贷款里面ADJUST了。 所以当你用FREE AND NON FREE 比较会相差约8K。

如果应付的起律师费， 建议自己给， 然后拿PBB 的 NON FREE 配套。

jackchp

Free Legal Fees (Fixed Rate)
BLR -5.40%(1st – 5th year)
BLR -1.80% (6th – 30th year)

Installment:
RM 1,405.00 (1st – 5th year)
RM 1,344.00 (6th –30th year)

BLR-5.40 = 1.35%
BLR-1.80% = 4.95%
(1st – 5th year)的利息是低过(6th –30th year) 。。。
怎么(1st – 5th year) 的Installment 却高过(6th –30th year) ？？？？

阿S

他应该是在写1- 5 年, Fixed Rate 5.40%

roberttiong

原帖由 jackchp 于 4-1-2008 12:16 PM 发表
Free Legal Fees (Fixed Rate)
BLR -5.40%(1st – 5th year)
BLR -1.80% (6th – 30th year)

Installment:
RM 1,405.00 (1st – 5th year)
RM 1,344.00 (6th –30th year)

BLR-5.40 = 1.35%
BLR-1 ...

-5.4% (1st-5th year)no BLR, the rate will change anytime, maybe lower or higher in the 1st five year.

roberttiong

原帖由 秀气灵人 于 3-1-2008 10:18 PM 发表
其实说是FREE LEGAL FEE， 但是已经在你的贷款里面ADJUST了。 所以当你用FREE AND NON FREE 比较会相差约8K。

如果应付的起律师费， 建议自己给， 然后拿PBB 的 NON FREE 配套。

拿non free配套会划算meh? 不是拿free legal fees配套好点吗?

秀气灵人

原帖由 roberttiong 于 4-1-2008 01:39 PM 发表

拿non free配套会划算meh? 不是拿free legal fees配套好点吗?

拿NON FREE就等于你现在就需拿一笔律师费出来， 拿FREE就等于银行先借你律师费。 天下没有白吃的午餐这个道理是不变定律。

80cents

原帖由 roberttiong 于 4-1-2008 01:37 PM 发表

-5.4% (1st-5th year)no BLR, the rate will change anytime, maybe lower or higher in the 1st five year.

-5.4%???    (1st-5th year)no BLR???

不明白你说什么   
不过 - 5.4% 简直是不可能。。。而且是 ‘五年’耶

Free 的 rate 不可能会好过 Non Free 的       Fixed Rate 5.40% 就符合逻辑

roberttiong

原帖由 秀气灵人 于 4-1-2008 01:56 PM 发表


拿NON FREE就等于你现在就需拿一笔律师费出来， 拿FREE就等于银行先借你律师费。 天下没有白吃的午餐这个道理是不变定律。

怎样算律师费呢?

PropertyAgent

Robert 写的那个是 fixed 5 years 的配套
不过从 2/1/08 起，CIMB 只剩两个房屋贷款配套
其它的没有了（我是Cimb sales exec）

Flexi HomeFixed

	Free Moving Cost	Non Free Moving Cost
For loan up to RM300k First 3 years Thereafter Rate	5.20% p.a. BLR – 1.40%	4.90% p.a. BLR – 1.70%
For loan above RM300k First 3 years Thereafter Rate	5.20% p.a. BLR – 1.60%	4.90% p.a. BLR – 1.90%

HomeFlexi

	Free Moving Cost	Non Free Moving Cost
For loan up to RM300k Whole Tenure	BLR – 1.40%	BLR – 1.70%
For loan above RM300k Whole Tenure	BLR – 1.60%	BLR – 1.90%

看了很多银行的配套，老实说
CIMB 的利息会高一点点，哈哈哈~就那么 0.1/0.2% 咯

CIMB 卖的是它的便利，比如
*extra payment/withdrawal without notice, without penalty, without limit
*dont have any hidden cost，like monthly charge
*one account only, dont need to transfer here and there

听说其他银行都有自己的条件（比如要事先通知，才可以make extra payment）
希望大家可以分享，我也想知道其他银行配套的利与弊

而 CIMB 的落点就是利息...哈哈哈！
但是它真的很方便咯，在 transfer 钱方面，简单又快速

mileginy

ALLIANCE BANK 的LOAN PACKAGE很不错下。想知道有谁向ALLIANCE BANK 贷款？

[ 本帖最后由 mileginy 于 6-1-2008 10:34 PM 编辑 ]

不知道2

Hi Robert,

你有考虑 AIA Home Loan Fixed rate up to 30yrs.
当 BLR interest 起，Fixed rate 不会被影响...

AIA home loan offer:
http://chinese3.cari.com.my/myforum/viewthread.php?tid=1083985&extra=page%3D1