thanks bro.. i will wait maybe one week to see if better offer comes in. OCBC is BLR-2.4% (i.e 4.2% at todays BLR), i think this is standard for all banks. However, take note that OCBC banker mentioned to me their first 3 years interest is 4.5% flat, which means that... if i get my keys early (say , after 2 years), i will have to fork out 4.5% interest for the remaining 1 year (as Setia only pays my interest during construction). I believe the RHB girl also told me about that. You better have a longer chat with AMbank officer and ask some more clarification questions. I believe the 4 banks i spoke to (OCBC, Maybank (but not on panel), Public, , CIMB) all said their rate is BLR-2.4%, whereas the only one offering me better is RHB at BLR-2.45%, but subject to approval. I not sure about RHB case, the banker is not the talkative sort, wonder if she fed me wrong info. anyway i really want to see RHB offer, esp as their branch is at austin heights, just 4 km drive away.
what about you? still confirmed going down this week?
Yup. If get key earlier than 3 yrs I hv to fork out the 4.5% interest. However after 3 yrs my BLR rate already approved is -2.45%
i will call OCBC tomorrow if my loan approved or ever gonna be approve. Or else I jz stick with AMBANK. I let u know if I'm coming in this week.