HSBC 的亲们 快來给我解一解我的难题

nuo

假如我把屋契拿去再LOAN 以下哪个配套比较好呢？

1）HomeSmart Advantage


If you have already finished servicing the home loan/home financing of a property and the property is now unencumbered, you are able to secure a loan against the unencumbered property with HomeSmart Advantage. You can use this home loan to turn the unencumbered worth of your home into cash and in turn, it can be used for making home improvements or any other expenses.


2）HomeSmart

As you move through life your priorities change. HomeSmart is a flexible home loan that lets you rearrange your priorities anytime. When buying your first home, perhaps you would want to pay it off as soon as you can by depositing excess payments. A few years down the road, you may have a child on the way. HomeSmart then lets you withdraw the excess payments to help you create a cozy home for your baby. That's the power of flexibility in HomeSmart

是1 ...........还是2?

手枪伯01

可以转去中文吗？这里是中文论坛ok?死香蕉人

lembu_ikan

Home Smart吧，full flexi account来的，省的利息远远多过每个月要给的RM10。

ygverygeng

普通的housing loan 是 homesmart
普通的 islamic housing loan 是 homrsmart-i

homesmart advantage是那些屋子已经还清了，没有欠钱了，又要拿来从新cash out钱

nuo

手枪伯01 发表于 13-11-2012 08:55 AM
可以转去中文吗？这里是中文论坛ok?死香蕉人

ok 下次...

nuo

ygverygeng 发表于 13-11-2012 04:33 PM
普通的housing loan 是 homesmart
普通的 islamic housing loan 是 homrsmart-i

homesmart advantage是那些屋子已经还清了，没有欠钱了，又要拿来从新cash out钱

请問你这HomeSmart Advantage 也是像HomeSmart-i Flexi的配套吗？还是普通的Home Loan來的？
须要怎样的一个手续费？大概多少？不好意四先谢了

nuo

lembu_ikan 发表于 13-11-2012 01:41 PM
Home Smart吧，full flexi account来的，省的利息远远多过每个月要给的RM10。

这个好像ok 不过要手续费咯...

ygverygeng

nuo 发表于 13-11-2012 11:38 PM
请問你这HomeSmart Advantage 也是像HomeSmart-i Flexi的配套吗？还是普通的Home Loan來的？
须 ...

都是一样full flexi来的，只是让银行分辨product name罢了

没有手续费，refinance要给律师费，印花，还有估价师的钱

nuo

ygverygeng 发表于 14-11-2012 01:50 AM
都是一样full flexi来的，只是让银行分辨product name罢了

没有手续费，refinance要给律师费，印花，还 ...

真的没有手续费啊 那谢谢你先