They are not only fighting for new customer, but also trying to "korek" other banks' existing good customer.
I have a friend, who is just recently successfully asking the bank, to offer him a rate with BLR - 2.2% for houseloan. And the application is approved! Bankname : Hxxx Lyyyy
For my case, I signed up a house loan package 3 years ago, with a interest rate @ BLR + 0.10%.
Comparing both packages, OMG!!! I could save more than RM70,000 in a 30 years contract.
eg. With RM150k loan, 30yrs repayment @ BLR +0.10%, Monthly => RM982.89
eg. With RM150k loan, 30yrs repayment @ BLR -2.0%, Monthly => RM782.47
Overall, I could save RM72k in 30 yrs... My greatest saving in my wholelife.
OMG...I was just call up the bank agent, and threaten her to switch my package from BLR+0.10% to BLR-2.0%, if not I rather pay the penalty for refinancing, and switch to bank which can offer me better. She scared!!! And get my phone number, she said you will submit for me, and come back to me tomorrow.
Don't know why? Suddenly I felt myself like flying in the sky, where normally when we talk about banking stuff, we need to wait for their slow service, but, they start to become very good now. I am in the 'customer' state now.. hehe...
Cash...., the most powerful weapon now, as bank is out of cash. Pick up your phone, call your agent now. This is the best time. Although I am late, but at least now I awake. If you not moving yet, it's your kindness to sending a TOYOTA VIOS (J) to bank !!!
Bastard... I should know it earlier...
Note: If you have any difficulty on your loan calculation, email me.
In cyberelax cafe, we are not only having "kopi kaki", we have also bankers...
3 comments:
wah..u memang ho yeh. will remind len to try that too..no harm right..who dun want free toyota vios? :p
This morning is my 3rd time calling up the agent, i asked her to calculate the penalty i had to pay for. it is just RM5400, far cheaper than VIOS. I threaten her to give me a update by this friday, else, I will definitely refinance it in others bank. She said "sure, ok..."
Anyway, I will go and check out what others bank can offer me for refinancing. will keep you are update coming friday.
In the same boat!
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