Hong Leong Bank 新房屋贷款配套(zero stamp duty)

zhouyuyap

Hong Leong Bank 新房屋贷款配套(zero stamp duty)

贷款额 : 250千以上
利息   ：IFR-2.4（4.2％）
lock in period : 3years
卖点 ：顾客不必付stamp duty,只需要付给律师的费用

欢迎有兴趣的朋友询问详情，谢谢。

Hong Leong Bank
Isaac Yap
0149303327

异端者

回复 1# zhouyuyap


    -2.4%是whole tenure吗？还有S&的stamp duty可以waive吗？
最多借多少年？up to 90%?

zhouyuyap

对，-2.4whole tenure.S＆P的stamp duty 不能waive,最多可以借30年/65岁（residential),
第1间是90+5％
第2间是90％（include flv/mrtt)
第3间70％

zhouyuyap

这只是给residential only.

游记分享

Hong Leong Bank 新房屋贷款配套(zero stamp duty)

贷款额 : 250千以上
利息   ：IFR-2.4（4.2％）
lo ...
zhouyuyap 发表于 6-12-2011 12:05 PM

如果housing price 是 RM550k, 那stamp duty可以省下多少钱呢 ? (借90%的话)

Kimoidesh

If house is RM 170 k, loan 90 %, how much is the blur and interest rate?

zhouyuyap

如果housing price 是 RM550k, 那stamp duty可以省下多少钱呢 ? (借90%的话)
游记分享 发表于 6-12-2011 02:04 PM

大约RM2331左右。

zhouyuyap

If house is RM 170 k, loan 90 %, how much is the blur and interest rate?
Kimoidesh 发表于 6-12-2011 02:16 PM

不好意思，250千以下不能拿这个配套。
170千的屋子如果有拿MRTA／MRTT的话可以帮你申请到BLR-2.2。一般的贷款如果拿ISLAMIC LOAN的话也有20％ DISCOUNT ON STAMP DUTY。

Kimoidesh

不好意思，250千以下不能拿这个配套。
170千的屋子如果有拿MRTA／MRTT的话可以帮你申请到BLR-2.2。一 ...
zhouyuyap 发表于 6-12-2011 04:35 PM

We are not Islam, can take Islamic loan?
First house also can apply 50% stamp duty discount right

zhouyuyap

We are not Islam, can take Islamic loan?
First house also can apply 50% stamp duty discount rig ...
Kimoidesh 发表于 6-12-2011 04:40 PM

当然可以，其实很多东西都是ISLAMIC的比较划算，MRTT（ISLAMIC）也是大概比MRTA便宜20％，然后我们的ISLAMIC LOAN可以算是没有LOCK IN PERIOD的。
我们这里没有说第一间屋子可以APPLY 50％stamp duty discount的噢。应该是其他BANK的配套，你可以试问下其他BANK的BANKER。

munak

可惜我的260k是买价而不是贷款额

建仁24

Hong Leong Bank 新房屋贷款配套(zero stamp duty)

贷款额 : 250千以上
利息   ：IFR-2.4（4.2％）
lo ...
zhouyuyap 发表于 6-12-2011 12:05 PM

   顶下，楼主服务很好，之前很想拿他的loan，可是fdr没了。。。
但是还是介绍朋友给他拿loan。。。

zhouyuyap

可惜我的260k是买价而不是贷款额
munak 发表于 6-12-2011 09:26 PM

我也很可惜这个配套不是200千以上就可以拿。

zhouyuyap

顶下，楼主服务很好，之前很想拿他的loan，可是fdr没了。。。
但是还是介绍朋友给他拿 ...
建仁24 发表于 6-12-2011 09:44 PM

   谢谢您的支持，非常感激

异端者

当然可以，其实很多东西都是ISLAMIC的比较划算，MRTT（ISLAMIC）也是大概比MRTA便宜20％，然后我们的 ...
zhouyuyap 发表于 6-12-2011 04:54 PM

    第一间屋50% discount是国家订的哦，可以有银行不跟的咩？S&和loan的stamp duty好像都能扣，不是吗？

转载的：

Stamp Duty for S&/SPA
Current
Stamp Duty for purchase of residential property not exceeding RM250,000 are given stamp duty exemption of 50%, The exemption is granted on one residential property for each individual Malaysian citizen. The exemption is effective for S&/SPA executed from 8 September 2007 to 31 December 2010.
Proposed in Budget 2011

• 50% stamp duty exemption will be given on S&/SPA with residential property price not exceeding RM350,000.
• The exemption is granted on the first residential property purchased by Malaysian citizen and eligible to be claimed once only within the exemption period.
• Eligible for S&/SPA executed from 1 January 2011 to 31 December 2012.

Loan Agreement
Current
Stamp duty rate on loan agreement for purchase of residential property is at 0.5% of the loan value. Loan agreement for residential property priced not exceeding RM250,000 are givent stamp duty exemption of 50%. The exemption is granted for the purchase of one residential property for each individual Malaysia citizen. The exemption is effective for S&/SPA executed from 30 August 2008 to 31 December 2010.
Proposed in Budget 2011

• 50% stamp duty exemption will be given on loan agreement with residential property price not exceeding RM350,000.
• Eligible for loan agreements made between purchase with the bank, financial instituions, insurance companies, cooperatives or employer under the employer housing loan scheme.
• The exemption is granted on the first residential property purchased by Malaysian citizen and eligible to be claimed once only within the exemption period.
• Eligible for S&/SPA executed from 1 January 2011 to 31 December 2012.

其实我花不到1分钟就查到了，大家其实可以自己先做功课的。。。

eddisonlim

回复 11# munak


   如果你真的很想要这个配套，叫律师把SPA Mark Up到RM280k就能了。（subject to bank value）

munak

需要征求卖主同意吗？

eddisonlim

必须卖主同意。

zhouyuyap

第一间屋50% discount是国家订的哦，可以有银行不跟的咩？S&和loan的stamp duty好像都能扣，不是 ...
异端者 发表于 6-12-2011 10:57 PM

谢谢你的资料，我已经问我上师如何帮顾客APPLY这个了，我上师告诉我这个是自动的，我们并不用弄任何东西的，请问是这样吗？

异端者

谢谢你的资料，我已经问我上师如何帮顾客APPLY这个了，我上师告诉我这个是自动的，我们并不用弄任何东 ...
zhouyuyap 发表于 8-12-2011 11:33 AM

    我真的不知道哦~但是我朋友刚买第一间屋，律师还是收他100%for stamp duty，然后才refund他，到现在一直拖他不还，还说买第2间就不用给咯，我听了晕倒