紧急！需要banker advice

shitfireman

我刚买一间屋子，450多千。
这个project 有几间panel banks, got CIMB, OCBC, Public Bank, Allianze Bank, RHB Bank. so far现在只有CIMB bank get the approval for this project, the others 4 banks still pending for the approval, 所以我就先申请CIMB.
the result from CIMB was BLR minus 2.2, MRTA 22 years ( 20 years + 2 years contructions) around 6.5k. Laywer fees can get 20 percent discount. 我想问这是就好的rate 吗？ 我也有打给其它的banks, allianze and OCBC 说可以给BLR minus 2.4，可是MRTA 22 years 就大概要10 千，没有Laywer fees discount。
我想问那个最好 ? 请问向bank 借钱买屋子是看什么最重要？

还有一个问题就是CIMB letter offer 只有两个星期 for me to sign，if i reject to sign CIMB offer letter because i want to compare with others bank offers , then the offer letter will lapse, so can i re-apply cimb bank back ? 请问bankers suggesting me do this ways, now i have a bit frustrate for this CIMB offer letter, i scare if i not sign this time, CIMB will prohibited me to re-apply again.

任你借

我能做Alliance 和 OCBC，请PM Project detail给我查查看。。。

范尼二世

err...ya..in our system the deadline for customer to accept is 2 weeks but you have make a decision for your own ~ actually more than 2 weeks is nothing for us, just our system will ask us to call customer to accept the offer. Try to get other bank decision done before 2 weeks end =)

missing

范尼二世 发表于 14-8-2012 11:57 PM
err...ya..in our system the deadline for customer to accept is 2 weeks but you have make a decision  ...

sounds like you are the one who calling

范尼二世

20%是stamp duty的discount
因为你拿的是islamic loan ... zero lock in as well ~

文文君君

Approve 了就签啦，还比较多多，扣 钱给你都已经犯法了。最讨 厌这 种顾客

任你借

文文君君 发表于 15-8-2012 11:52 PM
Approve 了就签啦，还比较多多，扣 钱给你都已经犯法了。最讨 厌这 种顾客

给你将骂。。。。人家还不夹着尾巴落荒而逃。。。。

明明明

楼主是可以要求延长offer letter的期限的，

您可以向银行说明您要签了买卖合约后才签银行贷款offer letter

明明明

文文君君 发表于 15-8-2012 11:52 PM
Approve 了就签啦，还比较多多，扣 钱给你都已经犯法了。最讨 厌这 种顾客

如果您这样子的态度服务客户，客户真的是会落荒而逃噢

PS-Oscar

project name ?