azizcfpx.com

Matlamat Anda Hala Tuju Kita
It is currently 21 Aug 2019, 16:00

All times are UTC + 8 hours




Post new topic Reply to topic  [ 5 posts ] 
Author Message
 Post subject: Umortgage , 1 Stop Solution for Housing Loan
PostPosted: 01 May 2010, 23:21 
Offline

Joined: 05 Mar 2010, 18:49
Posts: 4
Umortgage Homeloan ( Subsales, Refinance atau Under Construction)

Bank X - BLR -2.1 % *
Bank Y- 4.99% Fixed Rate *
Bank A- 0 Lock In Period *
Bank C - Finance Legal Fees *

Fikirkan persoalan berikut :
1.Adakah and masih lagi membayar "interest rate" yang tinggi dan membebankan untuk pembiayaan rumah sekarang?
2.Adakah anda mahu mengoptimumkan pembayaran perumahan ?
3.Adakah anda bercadang untuk membeli rumah baru atau refinance ?
4.Adakah anda masih tercari-cari kadar pinjaman yang paling bagus dan memenuhi objektif ?
5.Adakah anda bingung dan penat turun naik bank untuk mencari kadar terbaik tapi masih gagal ?

Kami disini dapat membantu :
1. Nasihat dalam pembelian perumahan berdasarkan " Best Interest Rate in Town"
2. Consolidate Pembiayaan & Mengurangkan Liabiliti
3. Panel Peguam & Valuer
4. Islamic, Conventional & Fixed Rate
5. Letter Offer Briefing
6. MRTA or Life Insurance (Term)


Hubungi saya :
Mohd Shahrulnizam , Mortgage Planner
0162081745, mshahrul@umortgage.com.my or mmshah1@gmail.com


Top
 Profile  
 
 Post subject: Re: Umortgage , 1 Stop Solution for Housing Loan
PostPosted: 04 May 2010, 08:00 
Offline

Joined: 28 Jul 2009, 20:47
Posts: 34
mmshah wrote:
Umortgage Homeloan ( Subsales, Refinance atau Under Construction)

Bank X - BLR -2.1 % *
Bank Y- 4.99% Fixed Rate *
Bank A- 0 Lock In Period *
Bank C - Finance Legal Fees *

Fikirkan persoalan berikut :
1.Adakah and masih lagi membayar "interest rate" yang tinggi dan membebankan untuk pembiayaan rumah sekarang?
2.Adakah anda mahu mengoptimumkan pembayaran perumahan ?
3.Adakah anda bercadang untuk membeli rumah baru atau refinance ?
4.Adakah anda masih tercari-cari kadar pinjaman yang paling bagus dan memenuhi objektif ?
5.Adakah anda bingung dan penat turun naik bank untuk mencari kadar terbaik tapi masih gagal ?

Kami disini dapat membantu :
1. Nasihat dalam pembelian perumahan berdasarkan " Best Interest Rate in Town"
2. Consolidate Pembiayaan & Mengurangkan Liabiliti
3. Panel Peguam & Valuer
4. Islamic, Conventional & Fixed Rate
5. Letter Offer Briefing
6. MRTA or Life Insurance (Term)


Hubungi saya :
Mohd Shahrulnizam , Mortgage Planner
0162081745, mshahrul@umortgage.com.my or mmshah1@gmail.com


salam MS...
Saya nak refinance rumah,tp ada bbrp condition yg sy nak:
1.max loan
2.mrta 5 thn shj
3.zero moving cost
4.no lock in period
5.flexi loan (link ngan current acc tp loan no ngan current acc no mesti no yg sama)
6.tempoh pinjaman paling lama
7.min dokumen dan urusan yg cepat dan efisien
8.interest terendah

Ada bank boleh bg tak klu syarat macam ni?


Top
 Profile  
 
 Post subject: Re: Umortgage , 1 Stop Solution for Housing Loan
PostPosted: 07 May 2010, 00:13 
Offline

Joined: 05 Sep 2009, 06:06
Posts: 16
Assalamualaikum....

Senarai yang terlalu perfect, tiada bank yang selengkap ini....at least 80% boleh capai.

""" Saya nak refinance rumah,tp ada bbrp condition yg sy nak:
1.max loan ::::> bergantung kepada lokasi, lokasi, lokasi
2.mrta 5 thn shj ::::> Boleh dibuat kebanyakkan bank.... HSBC, UOB, CIMB dll
3.zero moving cost ::::> Biasanya boleh berlaku sekiranya MV (market Value more than RM100K)
4.no lock in period ::::> Tiada bank yang no lock in period biasanya min 3 tahun
5.flexi loan (link ngan current acc tp loan no ngan current acc no mesti no yg sama) ::::> Ada spt HSBC, UOB, CIMB (kene berhati-hati pd letter offer)
6.tempoh pinjaman paling lama ::::> Depend kpd usia la, banyak bank ade
7.min dokumen dan urusan yg cepat dan efisien ::::> Ni juga bergantung kpd keadaan, tittle dah tukar lum?
8.interest terendah ::::> So far HSBC, UOB, CT BAnk.

Sekadar berkongsi....maklumat dr apa yg saya tahu.

Wasalam
Dd Aini
http://bijakuruswang.blogspot.com/
http://dz-confectionery.blogspot.com/


Top
 Profile  
 
 Post subject: Re: Umortgage , 1 Stop Solution for Housing Loan
PostPosted: 10 May 2010, 17:59 
Offline

Joined: 05 Mar 2010, 18:49
Posts: 4
Salam Farids,

service yg saya buat ini bersandarkan pd model yg En Aziz lakukan...my response for your answer as below :

1.max loan - at the moment, no more banks can offer 100% loan, 90% loan is the max and it depends on your commitment
2.mrta 5 thn shj - bole aje, based on model en aziz
3.zero moving cost - ada satu bank sahaja skrg nie, Al Rajhi Bank (but tak suit program aziz)
4.no lock in period - ada satu bank shj yg offer skrg nie, OCBC
5.flexi loan (link ngan current acc tp loan no ngan current acc no mesti no yg sama) - ada, but based on Tier 1 bank en aziz, public, cimb, hsbc
6.tempoh pinjaman paling lama - no problem as long no more than 65 years old
7.min dokumen dan urusan yg cepat dan efisien - all banks ada standard rate delivery yg std, yg selalu lambat bcoz ada masalah ccris,ctos, dokumen tak cukup or submission bank trlalu banyak
8.interest terendah - ada bbrapa bank yg bole bg up to Blr -2.3% , but it based on your commitment

kalau farids interested to refinance, just pm me at 0162081745 bcoz every portfolio kewangan berbeza dan perlu discuss in details

rgds,
Shahrul
Mortgage Planner


Top
 Profile  
 
 Post subject: Re: Umortgage , 1 Stop Solution for Housing Loan
PostPosted: 21 May 2010, 16:56 
Offline

Joined: 05 Mar 2010, 18:49
Posts: 4
Updated Tier 1 Bank, HSBC Rate :

BLR -2.1%
Lock In Period = 7 years

Pro :
1. Full Flexi Loan
2. No penalty for "EARLY Settlement" or "SELL PROPERTY"
3. No monthly charges for current account

Cons :
1. 7 years lock in period, if "REFINANCE", penalty charge at 3.5%

Rgds,
Mohd Shahrulnizam
Umortgage, Mortgage Planner
0162081745


Top
 Profile  
 
Display posts from previous:  Sort by  
Post new topic Reply to topic  [ 5 posts ] 

All times are UTC + 8 hours


Who is online

Users browsing this forum: No registered users and 2 guests


You cannot post new topics in this forum
You cannot reply to topics in this forum
You cannot edit your posts in this forum
You cannot delete your posts in this forum
You cannot post attachments in this forum

Search for:
Jump to:  
cron
Powered by phpBB © 2000, 2002, 2005, 2007 phpBB Group