明年可能會cut BLR了。。沒再有BLR優惠了

Andy66888

要供很多了。。。。還會供到80歲都還沒供完啊......


从明年一月一号起，本地所有银行不再给予年利率(BLR)的优惠，就是说不再有减利率而是加0%或以上。

最后可上交的日期将定在19／12／2014，而此后直到31／12／2014就不再担保享有减利率的优惠。

这资讯目前银行已口头证实，目前待银行发出文稿。

科学就是未来

没得买房的继续租房，andy 大大口水直流

renwee510

变象起blr?

Andy66888

科学就是未来 发表于 5-12-2014 06:48 PM
没得买房的继续租房，andy 大大口水直流

但是可能要供多了...........

六脉神剑

什么意思？意思是明年买屋子的没有-BLR？
如果今年买了的话，是不是可以继续享有-BLR直到35年？

潘君亮

好消息比我想像中更早来！不过请放心，这里大多数人都投了房价不会跌的，想必是已拥有几栋房子的有钱人，所以即使将来没有或起blr>GST>升息,再加股市烂，我也相信他们绝对hold得住的啦！

wooyen

巴闭哥好似搞错了,吓死人咩
应该係现有房贷照旧,新贷款才是这样

明年採新零售貸款架構‧基本率取代基貸率

zhexiong

是真的吗？？有没有更准确的消息？？？

wiki88

楼主误解了，其实是把base rate 取代 BLR。

Base rate 一般上大约为3%， 所以BLR(6.85)-2.XX换成Base Rate(3.00) + 1.XX其实对供期数目没大分别。


http://www.therakyatpost.com/bus ... rate-replacing-blr/

mingshi

pattern 换一点罢了拉．．．


不要那么紧张．．．．

zhexiong

可以看看这个。。。

While banks in Malaysia are moving away from the base lending rate (BLR) system from January next year, customers with existing loans or applying for new ones won’t be affected.

This was confirmed by a Bank Negara Malaysia (BNM) representative today, who explained that the change is to perception on how the bank interest is charged.

For example, while many banks today may tout mortgage offers to be at “BLR-2%”, this will later change to the new base rate plus the margin set by the bank.

To illustrate, if the BLR is now at 6%, the “BLR-2%” offer means the customer pays 4% on the mortgage. With the new system, the bank will have to reveal its base rate – say 3% – and also disclose that its margin is 1%.

Ultimately, while the new interest is presented as “base rate + 1%”, the effective rate paid charged on the customer’s mortgage remains the same at 4%.




The change in the way banks calculate the interest rate, taking effect from Jan 2, was announced by BNM on March 19 this year “to provide a more transparent reference rate to enable better decision by consumers in making choices among the many loan products offered by financial institutions”.

However, a mobile text message being circulated on the above seems to have got its facts confused – claiming instead that banks will charge interest rate of “BLR +0%” and higher.

The text also claimed that the last day for submission of applications to qualify for the “BLR minus” rates would be Dec 19 – but this was rubbished by the BNM representative as being wholly untrue.

The BNM representative also said illustrations with examples will be issued soon by the various banks to customers to better explain how the new interest calculation would be done.


Read more: http://www.therakyatpost.com/bus ... -blr/#ixzz3L1Z1x53X

明明明

是base rate来的～

明明明

mingshi 发表于 5-12-2014 07:54 PM
pattern 换一点罢了拉．．．

呵呵呵，难得您会跳出来呢

Andy66888

wooyen 发表于 5-12-2014 07:22 PM
巴闭哥好似搞错了,吓死人咩
应该係现有房贷照旧,新贷款才是这样

哈哈哈...轻松下...没有怕..

mingshi

明明明 发表于 5-12-2014 08:07 PM
呵呵呵，难得您会跳出来呢

niama 的，只是 blr 换成 br, 讲到好像是银行赚顾客更高的利息。。。

还没有了解清楚就sharing,本身也是收到agent 询问

超笨无比

FB上的新闻总是哗众取宠................楼主又来大惊小怪

mchen3389

換汤不換药。。。

l1023

这两个rate，那个比较划算。。。

js188

我觉得换了一定是对银行有好处的，不然搞这动作来干嘛？

js188

我觉得换了一定是对银行有好处的，不然搞这动作来干嘛？