Chitchat Tan kin lian on Gan shiok bin

[sweetiepie]

http://tankinlian.blogspot.com/2006/04/banks-charge-differently-from-what.html?m=1




















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Tuesday, April 04, 2006
Banks charge differently from what they say

I refer to the letter from Very Kind Lady, “Why do existing customers pay a higher 2nd-year rate?” (ST March 31)

Very Kind Lady took a floating rate home-loan from United Overseas Bank (UOB). The loan is now in its second year and it costs 4.05 per cent. However, UOB’s advertised second year rate is only 3.5 per cent.

The 3 local banks offer identical home-loan rates and our family had a similar experience with a different bank. Our year 2 home loan rate shot up to 3.85 per cent while the quoted rate is also 3.5 per cent.

I looked into this and found there is no relation between the rates banks quote and the rates they charge. In fact, a loan officer told me, "The variable rates we tell customers does not obligate the bank in any way."

It turns out that how much you pay depends on the bank’s "board rate". Each bank has many board rates and can re-set them at any time. This determines how much a borrower must pay for a variable rate home-loan. It is independent of a bank’s advertised rates.

Larry Haverkamp

Tan Kin Lian at 9:50 PM
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1 comment:

1. 
   
   onehappyreaderApril 20, 2006 5:42 PM
   I am taking up home loan from Standard Chartered Bank since year 2004 & I am not happy with the increased interest rate for the 2 yr. What they wrote on a contract is not being followed. They just mail me a letter on the 2nd yr informing me of their new increase board rate. I am very UNHAPPY.
   It is the same with OCBC, POSB, UOB as well.
   Reply
   
   

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[knnccb]

whahahahahahaha

 

[Cottonmouth]

Gan Shiok Bin this cheebye!

 

[knnccb]

http://tankinlian.blogspot.com/2006/04/banks-charge-differently-from-what.html?m=1




















Tan Kin Lian's Blog
E-mail: [email protected]. Website: www.tankinlian.com Facebook: www.facebook.com/kinlian






























Tuesday, April 04, 2006
Banks charge differently from what they say

I refer to the letter from Very Kind Lady, “Why do existing customers pay a higher 2nd-year rate?” (ST March 31)

Very Kind Lady took a floating rate home-loan from United Overseas Bank (UOB). The loan is now in its second year and it costs 4.05 per cent. However, UOB’s advertised second year rate is only 3.5 per cent.

The 3 local banks offer identical home-loan rates and our family had a similar experience with a different bank. Our year 2 home loan rate shot up to 3.85 per cent while the quoted rate is also 3.5 per cent.

I looked into this and found there is no relation between the rates banks quote and the rates they charge. In fact, a loan officer told me, "The variable rates we tell customers does not obligate the bank in any way."

It turns out that how much you pay depends on the bank’s "board rate". Each bank has many board rates and can re-set them at any time. This determines how much a borrower must pay for a variable rate home-loan. It is independent of a bank’s advertised rates.

Larry Haverkamp

Tan Kin Lian at 9:50 PM
Share
1 comment:

1. 
   
   onehappyreaderApril 20, 2006 5:42 PM
   I am taking up home loan from Standard Chartered Bank since year 2004 & I am not happy with the increased interest rate for the 2 yr. What they wrote on a contract is not being followed. They just mail me a letter on the 2nd yr informing me of their new increase board rate. I am very UNHAPPY.
   It is the same with OCBC, POSB, UOB as well.
   Reply
   

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how cum the lau siaobu did not charge into the bank and scream.. "canton dogs, pahang whores ....at all the bank staff, lol

 

[sweetiepie]

how cum the lau siaobu did not charge into the bank and scream.. "canton dogs, pahang whores ....at all the bank staff, lol

Gan shiok bin is a internet whore that's why she leeceived lewd messages everywhere from Iran to pahang but she is a coward slut in real life

 

[sweetiepie]

GAN SHIOK BIN SCARED OF GHOST AT HOME SO SHE ALWAYS TURN ON LAYLIO LOUD LOUD AT HOME KNN SHE ALSO HARASS HER NEIGHBOUR WITH HER LONG NIPPLE WITHOUT WEARING BRA AND SPEND TIME HARASSING PEOPLE IN FORUMS INCLUDING THE POLIS SITES AND ST FORUMS ETC AND RIKE TO SUCK PAP COCKS

 

[sweetiepie]

 

[jw5]

 

[jw5]

 

[sweetiepie]

http://tankinlian.blogspot.com/2006/04/banks-charge-differently-from-what.html?m=1




















Tan Kin Lian's Blog
E-mail: [email protected]. Website: www.tankinlian.com Facebook: www.facebook.com/kinlian






























Tuesday, April 04, 2006
Banks charge differently from what they say

I refer to the letter from Very Kind Lady, “Why do existing customers pay a higher 2nd-year rate?” (ST March 31)

Very Kind Lady took a floating rate home-loan from United Overseas Bank (UOB). The loan is now in its second year and it costs 4.05 per cent. However, UOB’s advertised second year rate is only 3.5 per cent.

The 3 local banks offer identical home-loan rates and our family had a similar experience with a different bank. Our year 2 home loan rate shot up to 3.85 per cent while the quoted rate is also 3.5 per cent.

I looked into this and found there is no relation between the rates banks quote and the rates they charge. In fact, a loan officer told me, "The variable rates we tell customers does not obligate the bank in any way."

It turns out that how much you pay depends on the bank’s "board rate". Each bank has many board rates and can re-set them at any time. This determines how much a borrower must pay for a variable rate home-loan. It is independent of a bank’s advertised rates.

Larry Haverkamp

Tan Kin Lian at 9:50 PM
Share
1 comment:

1. 
   
   onehappyreaderApril 20, 2006 5:42 PM
   I am taking up home loan from Standard Chartered Bank since year 2004 & I am not happy with the increased interest rate for the 2 yr. What they wrote on a contract is not being followed. They just mail me a letter on the 2nd yr informing me of their new increase board rate. I am very UNHAPPY.
   It is the same with OCBC, POSB, UOB as well.
   Reply
   

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Fucking bastard son of the gansiokbin want to take loan and not happy with interest KNNBCCB LJ CB LANG.

 

[jw5]

Fucking bastard son of the gansiokbin want to take loan and not happy with interest KNNBCCB LJ CB LANG.

Fucking bastard Jeremy Quek not happy that Mark Yeo only let him fuck his son once.

 

[Hypocrite-The]

It turns out that how much you pay depends on the bank’s "board rate". Each bank has many board rates and can re-set them at any time. This determines how much a borrower must pay for a variable rate home-loan. It is independent of a bank’s advertised rates.


Should like false advertising to me

 

[sweetiepie]

FUCKING JIBYE GANSIOKBIN ALWAYS MADE STUPID LEECISION THEN WRITE TO KPKB 失败贱货中的贱货

 

[jw5]

It turns out that how much you pay depends on the bank’s "board rate". Each bank has many board rates and can re-set them at any time. This determines how much a borrower must pay for a variable rate home-loan. It is independent of a bank’s advertised rates.


Should like false advertising to me

Beware when dealing with banks.

 

[sweetiepie]

Stupid idiot slut whore gansiokbin another 失败贱货 sample

 

[jw5]

Stupid idiot slut whore gansiokbin another 失败贱货 sample

Jeremy Quek got fucked by Mark Yeo again? That's why so angry?

 

[sweetiepie]

Jeremy Quek got fucked by Mark Yeo again? That's why so angry?

You want to drink gansiokbin jibye chap that's why you kaypoh Ji

 

[jw5]

You drank gansiokbin jibye chap that's why you kaypoh Ji

You drank Mark Yeo's sai chwee, that;'s why you kaypoh cheebye bitch.

 

[sweetiepie]

You drank Mark Yeo's sai chwee, that;'s why you kaypoh cheebye bitch.

How's does gansiokbin jibye taste like can share ?

 

[sweetiepie]

You drank Mark Yeo's sai chwee, that;'s why you kaypoh cheebye bitch.

My uncle think Sai chwee better taste than gansiokbin jibye chap