The Ideal Regency

by **IP_1** » Sun Jun 01, 2008 12:06 am

Hi LP,
I'm not sure of the payment but knowing it's paid as installment with 0% interest, pay Rm2k 1st then the balance of RM13k will be paid as installment for a period 1yr. There will be a separate agreement for the 2nd carpark.

by **Bryan** » Mon Jun 02, 2008 11:49 am

if the price remain 15K by end of this year, you need to pay 2K down payment, then, 3,250 every 3 months. No interest.

Advice to take up the additional car park now.

by **clemis** » Mon Jun 02, 2008 3:00 pm

hi guys

i just went to CIMB to check the homeloan package.

1st 3 years is fixed at 4.70%
subsequent years is BLR -1.80

its flexi home loan, can throw in any amount at any time, and can withdraw money from it (they will give u a ATM card and a cheque book), interest is daily basis.

just for you guy's reference. :wink:

-edit- maximum u can borrow is 85% (CIMB PIC not sure got change or not)

by **Bryan** » Mon Jun 02, 2008 4:47 pm

Hi, Clemis,

Give me 5! I am using this package as well. But my interest is BLR-1.9%.

You may need to verify whether you need to pay RM10 monthly to maintaining the current account. During my time, no need. But I recommended my friends this package in April. RM10 will be charged.

by **clemis** » Mon Jun 02, 2008 10:44 pm

Bryan wrote:Hi, Clemis,

Give me 5! I am using this package as well. But my interest is BLR-1.9%.

You may need to verify whether you need to pay RM10 monthly to maintaining the current account. During my time, no need. But I recommended my friends this package in April. RM10 will be charged.

really? how you get -1.9? did u negotiate thru it? or they just give u -1.9% from the begining? anyway, when did you apply for this loan? i am taking half day leave this coming wed to visit other bank to get homeloan info. to compare la. so far got AmBank and CIMB.

by **Bryan** » Tue Jun 03, 2008 9:37 am

BLR-1.9% is for the whole tunout. Need to pay legal fee. My package is about Jan this year.

by **joepow** » Fri Jun 06, 2008 8:17 pm

Wah siao.... my this month interest $789.29 !!!

by **clemis** » Fri Jun 06, 2008 10:08 pm

joepow wrote:Wah siao.... my this month interest $789.29 !!!

thats how the banks get bigger and bigger and bigger.

by **Bryan** » Tue Jun 10, 2008 9:25 am

I still haven't been charged for interest, coz my package from CIMB allowed me to put all my saving into the loan account, and the saved amount will not be charged interest. And I can withdraw the money any time.

by **joepow** » Tue Jun 10, 2008 10:13 am

Dont we all have such package now?

Bryan wrote:I still haven't been charged for interest, coz my package from CIMB allowed me to put all my saving into the loan account, and the saved amount will not be charged interest. And I can withdraw the money any time.

by **Bryan** » Tue Jun 10, 2008 12:03 pm

Really? Then just ignore my message......

Now really a difficult time. Hope the BLR will not increase in near future.

by **joepow** » Tue Jun 10, 2008 10:18 pm

Yup , my ambank has that too... saving link with loan, put money in saving..reduce the amount kena interest.

Seems like im the only one, IR subside my interest since day 1. Somemore with 0 fees
monthly charges $5 though

by **whitelinen** » Wed Jun 11, 2008 9:32 am

I also have the same package as yours joe, interest subsidy till VP

by **joepow** » Wed Jun 11, 2008 4:51 pm

Yea, im dopp from LYN, we chat b4

by **Bryan** » Wed Sep 24, 2008 2:04 pm

Anyone have claimed the bank interest from Ideal Homes? Could you provide more detial information?

The Ideal Regency

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