http://forum.lowyat.net/ Fri, 10 Jul 2026 03:40:39 +0800 FeedCreator 1.7.2 http://forum.lowyat.net/topic/2631399 Hi all,<br /><br />i&#39;m planned to buy landed house and apply HL from a few bank.<br /><br />Currently there a few bank already giving approval to me. But i&#39;m still confusing which one is better.<br /><br />Yes, BLR offered is first things when considering, but i think there are others factor to consider (pls advise me)<br /><br />there are details :<br /><br /><br />Property amount RM 480k, loan 90 %<br /><br /><br />A) Bank Stand Chart<br />- blr - 2.35<br />-Loan 90%<br />-daily rest<br />-flexi (dunno full flexi or not)<br /><br /><br />B) OCBC<br />- blr -2.4<br />- Loan 90% + finance (lawyer, duti stem ,valuation)<br />-daily rest<br />-Semi flexi (i think so)<br /><br />C) CIMB Flexi Home financing-i<br />- blr - 2.2<br />-loan 90% + 5 %<br />- monthly rest ( no sure, but the officer tell me like that)<br />-No maintenance fees per month and no setup fees<br />-Link with CA <br /><br /><br />D) BSN<br />- interest 3.8% for 2 years, after that blr -2.1<br />-loan 90 % + Zero Moving Cost<br />-Monthly rest<br /><br />E) Bank Islam<br />- blr - 2.4 %<br />-90 % + Zero moving cost<br />-term loan<br /><br /><br />all no lock in period.<br /><br />i my consideration now, OCBC or CIMB (because of full flexi, sometimes can dumb money to CA)..but OCBC need to inform bank for prepayment and to redraw . But the drawback for CIMB the interest quite high ( -2.2) vs OCBC (-2.4)<br /><br /><br />pls give feedback. A good comment are allowed <!--emo&:respect:--><img src='http://static.lowyat.net/style_emoticons/default/notworthy.gif' border='0' style='vertical-align:middle' alt='notworthy.gif' /><!--endemo--><br /><br />[addedon]December 17, 2012, 3:38 pm[/addedon]for CIMB, its actualy, Variable Home Financing, not flexi ;-( soyuzz Property Talk Mon, 17 Dec 2012 14:14:04 +0800