eon bank我现在的利息是8..5%会很高吗

kevinlim

Product Type	Special Housing Loan
Financing Amount (RM)	110,000.00
Interest Amount	661.00
Other Charges	0.00
Late Charges	0.00
Advance Payment	0.00
Total Outstanding Balance (RM)	106,909.13
Financing Rate (%)	8.50

要如何才能减低利息

Package 3 (Special Housing Loan - SHL) - until 31/12/2006 (for completed, under construction residential properties costing up to RM60,000 [Peninsular Malaysia] or RM72,000 [East Malaysia] and for applicants qualified under BNM Special Housing Loan Scheme only)
1st year = 1.50% per annum
2nd year = BLR - 1.00% per annum
There after = BLR + 0.15% per annum or 1.75% per annum above BLR whichever is lower

[ 本帖最后由 kevinlim 于 10-8-2008 09:19 PM 编辑 ]

jackchp

原帖由 kevinlim 于 10-8-2008 08:09 PM 发表

Product Type
Special Housing Loan Financing Amount (RM)110,000.00Interest Amount661.00Other Charges0.00Late Charges0.00Advance Payment0.00Total Outstanding Balance (RM)106,909.13Financing Rate (%)8 ...

其实， 你的thereafter的利息 看起来怪怪的。。
为何是BLR + 0.15% per annum or 1.75% per annum above BLR whichever is lower？？
１） BLR＋０。１５％ ＝ 6.90％
２） BLR＋１。７５％ ＝ 8.50％ （which is lower）
这样子永远都是第一个嘛。。。
建议楼主再看过letter of offer。。

现在的配套都来到BLR － １。７５～２。００％
也就是跟楼主的配套 距离min １。９０％， 也就是说１００k 贷款，将会省下RM 1900。。。
至于值不值的做refinancing，就叫banker帮你算了后，扣除掉所有费用，假如还可以省超过RM １０k的话， 可考虑做refinancing。。

ccpling

8.5%是很高哦！
如果是我，我会先向eonbank要求reduce interest rate，如不能才考虑refinance。
110k的贷款比价难拿到很好的配套，手续费也不便宜。
也可以考虑多还来减低利息。

国产零零发

原帖由 kevinlim 于 10-8-2008 08:09 PM 发表

Product Type
Special Housing Loan Financing Amount (RM)110,000.00Interest Amount661.00Other Charges0.00Late Charges0.00Advance Payment0.00Total Outstanding Balance (RM)106,909.13Financing Rate (%)8 ...

AIA Fixed Rate Home Loan 5.99%. Always Below !


http://www.lelong.com.my/Auc/List/2008-08DeSale7318724_AUCTION_AIA_Fixed_Rate_Home_Loan_5_99_Always_Below.htm

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[ 本帖最后由 世人 于 12-8-2008 11:04 AM 编辑 ]