by the best, they does not matter if the even more is made into loan and/or c/a good, it is still prominent avoidance in the event the the either in certainly one of they. from the kept. i wouldnt recognize how it truly does work around. (take advice from their particular once again maybe?)situation dos = semi-flexi has only 1 account. in order that their to reduce your own principal, the money Have to borrowing towards the houses mortgage membership (at the mercy of LO TnC). people percentage made to your c/a bring nothing in connection with your dominating as these accs commonly linked. and so the second manager was “korek”. =)
Indeed to have scenariio step 1= I inquired new officer about your antique mortgage, she told you perhaps not flexi next recommend myself better to capture other completely flexi package.
Scen dos= making this “korek” haha. Your means almost any most percentage in order to financing a good/c usually deduct the main amte to that LO, what about the fresh new T&C stated that we have to promote progress notice and come up with additional commission. nevertheless manager explained n’t need because their LO not enhance, new LO however according to the old you to, although bank system currently enhance. Why does ? I’m frightened immediately after finalizing will feel dissapointed about after, all of the mth must observe financial to offer downpayment .
Surely got to improve financial?
.Why don’t such completely flexi? Or no date generate advance payment should upgrade lender, i wld instead get completely flexi. Save your time.
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Actually to own scenariio step 1= I asked the fresh administrator about your antique loan, she told you not flexi upcoming indicates me personally better to capture other fully flexi plan.
Scen dos= making this “korek” haha. You means any sort of a lot more payment in order to mortgage good/c will subtract the principal amte to that particular LO, think about the newest T&C stated that we have to give advance notice and then make a lot more commission. nevertheless administrator said not want because their LO not modify, brand new LO however based on the dated one, however the banking system currently revision. How come ? I am afraid shortly after signing have a tendency to regret later on, all the mth needs to find bank to offer deposit .
Surely got to improve lender?
.As to the reasons usually do not instance totally flexi? Or no big date create advance payment has to posting lender, i wld instead take fully flexi. Save your time.
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if its partial or full flexi, its almost the exact same thing. think from it given that a handbook auto or automobile vehicles. high FC and up-remain charge to your comfort against a lot more foot run lesser maintaince costs. relatively talking.
regarding personal views, i’ll say go complete-flexi if you have the most cash assuming your heading to help you move the cash very often.
i am not saying totally sure on the UOB’s pratices, but you can also be discuss with the latest officers what kind of notice to help make the additional commission? over the counter find, 30 days observe ahead of time an such like.
Do anybody with this particular financing package. Pls share certain white in my experience. My priority is the improve/prepayment. Let’s say mthly repayment was RM1k, and i also shell out RM1.5k all mth to your mortgage a beneficial/c. Really does the fresh new RM500 will deduct regarding Prominent amt , upcoming decreasing the focus fees?
One to said”No”, the other fee commonly park throughout the a/c and you will use because the a beneficial mthly installment when due. Find has to be provided to bank in the event the need the extra fee to-be subtract the main. She indicates us to use the full flexi home loan.