excitednye!!! ahad last weekend pegi survey2 rumah kt area damansara..maklum lar nk kawin thn dpn..ade umah yg bapa mentua nk bg free jauh pulak dr ofis me and my fiance..so kitorang usahakan lar cr rumah mampu milik..
bila cakap psl rumah pertama mampu milik..range harge lbh kurg RM150,000.00..itupon sempot nk bayar downpayment 10% i.e RM15,000.00..legal fees utk uruskan S&P rumah 1% dr harge rumah..blm msuk disbursement..stamp duty pon 1% dr harge rumah..loan documentation and charge documentation dgn bank blm msuk kos lg..alhamdulillah my fiance keje kt Astro byk panel bank..so ZEC utk panel bank FOC! hehe~
utk yg xtau..ZEC tu maknenye Zero Entry Costs / Moving Costs t'msuk lar kos legal fees bg loan documentation, stamping agreement dgn bank, disb etc. Lps kira2 td ade lar dlm RM6,000.00. So kat situ dh save RM6,000.00. (itupun kalau kitorg amik panel bank Astro).
Td dh pegi 3 banks utk survey psl housing loan package yg diorg ade..Al-Rajhi bank (4 bintang), RHB Islamic Bank (4 bintang), Bank Islam (2 bintang). Al-Rajhi and Bank Islam are panels for Astro, means ZEC free (as what the bank officers told me).
B'dsrkan survey2 td, lbh kurg stgh jam jugak lepak kt setiap 1 bank tu except utk Bank Islam, pakej2 utk housing loan (Islamic finance ye) bank2 t'sbut adlh spt berikut:- (keesahan dan ketepatan tidak dijamin memandangkan ia direkodkan dr perbualan dan Q&A session dgn bank officers - penulis x b'tanggungan bagi sebarang kesilapan / ketidaktepatan maklumat. Sila rujuk bank2 b'kenaan bagi maklumat yg tepat).
Loan amount: around RM150,000.00
Al-Rajhi Bank
1) Kadar profit rate bg amount financed is BFR (kdr semasa di Malaysia is 6.6% however Al-Rajhi's BFR follows international market and it's 6.9%) - 2.25% i.e:
4.65% on financed amount of RM150,000.00.
2) Maximum loan 90% from market value of property and not purchase price of property.
3) MRTT and w/o MRTT package made available to customer.
4) Strict requirement for applicant. Must have 3 months salary slip from same employer (this is only one of the requirement ye).
5) 1 name applicant yg b'gaji bersih lbh kurg RM2,400 - RM2,500 bole lps dgn tmph byr blk selama 15 thn. Monthly installment lbh kurg RM1,159.00 (w/o MRTT) - based on the bank officer's calculation.
6) Ceiling rate for BFR is 10%
RHB Islamic Bank
1) Kadar profit rate is IBR (same ler dgn BFR) 6.6% (follows M'sia's rate) - 2% (MRTT) @ -1.9% (w/o MRTT). So let say amik MRTT dlm
4.6% lar profit rate die..
2) Maximum loan amount 90% from market value of property and not purchase price of property.
3) MRTT and w/o MRTT package made available to customer.
4) Ceiling rate for IBR is 10.25%.
5) Applicant's requirement - if 1 name dlm S&P, and customer xde tanggungan lain (i.e hutang lain kt bank lain lar), kemungkinan bsr loan entitle utk dpt hanya 80% shj..if 2 nama dlm S&P dan loan 2 nama - seorang customer ade tanggungan lain cthnye kereta, boleh dpt 90% loan.
6) byrn blk bg tmph 15 thn dgn MRTT around RM1,215.15 sebulan. Manakala tenure 20 thn tp MRTT 15 thn shj byrn bln2 is around RM1,010.00.
Bank Islam (td pergi cawangan Kelana Jaya - servis plg teruk b'banding 2 bank di atas..we only spent like 5 min je sbb servis* truk sgt)
1) Profit rate is BFR 6.6% - 1.8% i.e 4.8% (highest among all 3).
2) Ceiling rate for BFR is 10.75% (highest among all 3).
3) Maximum financed amount is 90% from purchase price/market value of property (whichever is lower).
4) MRTT MUST cover the whole tenure period.
* servis - dr segi layanan, penerangan, berapa min menunggu sementara ade officer entertain, keramahan utk b'tny dgn lbh lnjt ttg property yg customer nk bli, dan yg adik beradik dgnnye).
So as for now, we are satisfied with Al-Rajhi and RHB's packages. Masing2 ade kelebihan yg a bit different here and there. Unless the representation by the bank officer is wrong, we are absolutely not taking Bank Islam's package.
Actually akan pergi survey more bank utk cr best offer in town!
p/s: kalau dh confirm bli bru bole ltk gmbr apartment kitorang dkt blog.. ;)
mood sf (blog owner a.k.a writer) skrg:-
