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发表于 13-7-2009 09:34 PM
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原帖由 秀气灵人 于 10-6-2008 08:28 PM 发表 
ALLIANCE BANK
Package 1 : Up to RM 300K
NFMC FMC
Year 1-2 BLR-2.20% ...
Alliance Bank不是要200k以上的产业才有FMC吗？ |
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发表于 13-7-2009 09:40 PM
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这里有人可以解释一下StanChart KLIBOR 和StanChartTerm Loan的分别吗？
我很有兴趣了解KLIBOR。谢谢。 |
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发表于 13-7-2009 09:51 PM
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原帖由 秀气灵人 于 1-7-2008 09:28 PM 发表
有那么吸引人吗？ BLR-2%很普遍了， 他给第一年1.88%, 但是有些银行是0%甚至直接BLR-2%的。
Maybank算了吧。 |
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发表于 13-7-2009 10:03 PM
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原帖由 jackchp 于 6-7-2008 09:42 AM 发表
就算过后你已还清了之前所欠的钱， 都已经无法把default rate 调回原本的rate了。。。
银行真的是吸血鬼，讲金不讲心。 |
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发表于 14-7-2009 02:11 AM
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发表于 14-7-2009 11:16 AM
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原帖由 nakkata 于 9-7-2009 11:48 PM 发表 
请问各位：有谁知道哪间银行的interest rate 比3。11%低的？
我去问了stan chat 的配套，我觉得最值得拿的是 mortgage KLIBOR, 现在的KLIBOR 是2。13%，算法是：KLIBOR+0.98%,
所以利息等于： 2。13%+0。98%= ...
你觉得值得吗？
请问有什么网站是介绍这个Package的？
市场上只有这家银行有Klibor，那么这个rate是不是没有竞争力，所以不是最好的？
听agent说，这个rate是based on银行之间的买卖做决定的。 |
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发表于 14-7-2009 11:39 AM
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原帖由 nakkata 于 9-7-2009 11:48 PM 发表
请问各位：有谁知道哪间银行的interest rate 比3。11%低的？
我去问了stan chat 的配套，我觉得最值得拿的是 mortgage KLIBOR, 现在的KLIBOR 是2。13%，算法是：KLIBOR+0.98%,
所以利息等于： 2。13%+0。98%= ...
在Klibor4%的时候，BLR是多少？ |
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发表于 14-7-2009 11:40 AM
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发表于 14-7-2009 11:46 AM
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KLIBOR - Kuala Lumpur InterBank Offered Rates
What is KLIBOR?
To those who are new to KLIBOR, or Kuala Lumpur Interbank Offer Rate, you'd need this article badly, and you have to read them all to understand. MHL explains them all.
KLIBOR, or Kuala Lumpur Interbank Offered Rates is an interesting formula calculated for structured investments made by individuals pertaining a specific floating interest rate. A floating interest rate is a fluctuating interest rate charged by lenders, or rather banking institutions.
For interest rate-linked structured investments, KLIBOR plays a pivotal role on the statistics of interest rate movements. The general rule of thumb when you're in the KLIBOR business is:
If KLIBOR rates move within the agreed band within the investment period, investments return positively whereas if KLIBOR rates move outside of the agreed bands, there will be no ROI for you.
Structured investments are what you banking institution would offer you - Even for home loans to follow KLIBOR rates. Fiscal-wise has great information on these. If you're applying for a home loan and the bank offers you interest rates based on KLIBOR, you must always remember to weigh certain factors before considering. Fixed rate home loans are sometimes the better way to go if you don't want to take the risk or go through a lot of hassle.
Also to note, structured investments are linked to the performance of various underlying assets such as interest rates, foreign exchange, market indices, equities or fixed income items.
As complex as it may sound now already, KLIBOR isn't for everyone. And if you're looking into structured investments, you better gear up on your knowledge and watch the market trends closely. Don't forget to look at the health of the banking institution - They are your main instruments to your investments. Consider these before getting more interested in structured investments
1. You will have to bear all charges and fees if you decide to move this product to another before it matures. This usually happens when your product investment does not meet your needs or you're taking a high risk waiting for this particular product to mature.
2. Every investment have their own set of high and low risks. Some risks are not worth taking, although it looks beautiful on the outside or the cute saleslady offered you her products.
3. Beware of products that have too many high risk assets - Make sure you get some low risk assets like fixed deposits.
4. Non-principal protected structured investments pose higher risk because there's no guaranteed amount of money you will receive as ROI even after your product has reached maturity.
看起来好像很不鼓励我们选这个配套那样，是不是有一定的风险? |
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发表于 16-7-2009 03:43 PM
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我想贷款大约 175k 的90% （30年）。 看到 Standard Chartered Bank (M) Berhad 的Mortgage KLIBOR (NZEC, MRTA, LA RM40K & Above)
KLIBOR+0.98% (Whole Tenure) 是最低贷款利息的。
他的每月 installment 是 RM673.
请问这个配套有没有什么 hidden cost? |
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发表于 16-7-2009 06:31 PM
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回复 1082# JansonLexer 的帖子
请问哪个配套“完全”没有风险？ |
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发表于 17-7-2009 01:24 PM
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发表于 17-7-2009 01:26 PM
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我只APPLY了MAYBANK跟PB的LOAN
MAYBANK 第一年2.38%..接下来就是BLR-2.2
PB第一年是0%..接下来就是BLR-2.2...
两个都是NEPC |
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发表于 19-7-2009 01:41 PM
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分享我最近拿到的rate给大家~
Loan RM165000
Free legal fee
CIMB : flexi BLR-1.85% (with MRTA RM10k)
PB : semiflexi BLR - 2.05% (no MRTA but extra bancrupcy fee, etc RM150)
UOB : semiflexi BLR - 2.0 (with MRTA RM6k)
= ) |
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发表于 20-7-2009 02:26 AM
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原帖由 crystal1234 于 19-7-2009 01:41 PM 发表
分享我最近拿到的rate给大家~
Loan RM165000
Free legal fee
CIMB : flexi BLR-1.85% (with MRTA RM10k)
PB : semiflexi BLR - 2.05% (no MRTA but extra bancrupcy fee, etc RM150)
UOB : semiflexi ...
PB拿到这个RATE哦?
是NON ENTRY ZERO COST还是ENTRY ZERO COST的? |
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发表于 20-7-2009 11:31 AM
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原帖由 PropertyAgent 于 14-7-2009 02:11 AM 发表 
兄弟，很勤劳爬贴哦~
同意你说的
利息的多少是看 Zero Cost or Non Zero Cost
还有贷款额的大小
但因为私隐的问题
所以不是每个网友都愿意分享贷款额
你了解后，请回来分享哦
我是 ...
原来如此，谢谢大哥的解释。
我已经问了agent，可能他不是很专业的缘故，答的不清不楚。
还是自己找资料算了。 |
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发表于 20-7-2009 11:36 AM
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原帖由 nuclear 于 16-7-2009 03:43 PM 发表
我想贷款大约 175k 的90% （30年）。 看到 Standard Chartered Bank (M) Berhad 的Mortgage KLIBOR (NZEC, MRTA, LA RM40K & Above)
KLIBOR+0.98% (Whole Tenure) 是最低贷款利息的。
他的每月 installment 是 R ...
我觉得要看清楚offer letter的内容，比如如果发生什么事，大部分的风险由谁承担。
我开始也是觉得很吸引，因为永远比BLR低，可是我waived了legal fees和没有给MRTA结果前5年是+1.5
五年后+1
2.13+1.5=3.63
如果我拿flexi loan-2, 5.55-2=3.55
看来我的flexi前五年比较低。
我的算法对吗？ |
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发表于 20-7-2009 11:42 AM
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原帖由 abcdz 于 16-7-2009 06:31 PM 发表
请问哪个配套“完全”没有风险？
当然肯定有，问题是多大？
我还要衡量我有这个能力承担么。 |
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发表于 20-7-2009 11:43 AM
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原帖由 bluelavendar 于 17-7-2009 01:26 PM 发表
我只APPLY了MAYBANK跟PB的LOAN
MAYBANK 第一年2.38%..接下来就是BLR-2.2
PB第一年是0%..接下来就是BLR-2.2...
两个都是NEPC
对马银行的服务，只有一个字，超级“赞”。 |
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发表于 20-7-2009 11:48 AM
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原帖由 crystal1234 于 19-7-2009 01:41 PM 发表
分享我最近拿到的rate给大家~
Loan RM165000
Free legal fee
CIMB : flexi BLR-1.85% (with MRTA RM10k)
PB : semiflexi BLR - 2.05% (no MRTA but extra bancrupcy fee, etc RM150)
UOB : semiflexi ...
CIMB-1.85 with 10k MRTA那里划算
PB好像是另charge170processing fees, 我几个朋友贷款这间都那样。
真的不明白，做我们的生意为什么还要我们顾客另付呵。 |
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