of the proper, it does not number if your extra is established towards mortgage or the c/a good, it is still principal prevention if their in a choice of among it. by leftover. we wouldnt understand how it really works truth be told there. (talk with their unique once more perhaps?)situation dos = semi-flexi has only step 1 account. in order that their to minimize their dominating, the cash Have to borrowing on the houses loan account (at the mercy of LO TnC). people commission made to your c/a have nothing at all to do with your prominent because these accs are not linked. and so the 2nd officer are “korek”. =)
In reality to possess scenariio 1= I asked the latest manager about your conventional loan, she said not flexi next advise me better to get most other totally flexi bundle.
Scen dos= making this “korek” haha. You mode any extra commission so you’re able to mortgage an effective/c commonly subtract the principal amte to that particular LO, what about the fresh new T&C stated that we should instead bring get better see and come up with a lot more fee. however the officer informed me not need because their LO not revision, the fresh LO nevertheless according to research by the old that, nevertheless bank system currently change. How come ? I’m afraid after finalizing have a tendency to be sorry for after, all of the mth should observe lender to offer downpayment .
Got to inform lender?
.As to the reasons you should never including totally flexi? Or no day create down payment must upgrade financial, we wld alternatively just take completely flexi. Save time.
Read plus Hleong islamic zero locking several months, vow you might tell us if you had any futher details. Thx.
In reality to have scenariio 1= I asked this new officer regarding your antique loan, she told you not flexi up coming indicates me best to grab most other totally flexi plan.
Scen dos= so this is “korek” haha. You mode any type of more payment so you can financing a beneficial/c have a tendency to subtract the primary amte compared to that LO, think about the fresh new T&C reported that we need to render progress find and make even more payment. nevertheless the officer said not need as his or her LO perhaps not posting, the new LO still in line with the dated one, nevertheless the bank operating system already inform. How come ? I am frightened once finalizing commonly regret after, every mth has to find bank supply deposit .
Surely got to posting lender?
.Why dont particularly completely flexi? Or no time create down-payment should modify financial, i wld alternatively simply take completely flexi. Save your time.
Heard as well as Hleong islamic no locking months, hope you might tell all of us for individuals who got people futher facts. Thx.
whether its partial or full flexi, the almost a similar thing. consider of it while the a handbook vehicle otherwise vehicle vehicle. large FC or over-remain charges into the benefits versus alot more feet focus on lower maintaince rates. relatively talking.
out of personal viewpoint, i’ll say wade full-flexi if you possess the additional cash and if you heading so you’re able to move the cash that frequently.
i am not saying totally yes about UOB’s pratices, but you is consult the latest officials what sort of find to really make the extra percentage? non-prescription observe, 30 days notice beforehand etc.
Really does anyone with this financing bundle. Pls express specific white in my experience. My main priority ‘s the progress/prepayment. Can you imagine mthly cost are RM1k, and i pay RM1.5k the mth on the loan good/c. Does the newest RM500 will deduct from the Dominating amt , following decreasing the notice charges?
You to said”No”, the other payment will park from the good/c and you may apply since the an effective mthly repayment whenever owed. Find has to be provided to lender if require the excess commission to-be subtract the primary. She indicates us to take a full flexi mortgage loan.