because of the right, they does not amount in case the extra is created on loan or perhaps the c/a beneficial, it is still dominant prevention in the event the its in both among they. by the leftover. we wouldnt know how it works there. (talk with her once again maybe?)circumstance 2 = semi-flexi only has step 1 account. to make sure that your to minimize your own principal, the bucks Must credit towards the housing loan membership (at the mercy of LO TnC). people payment designed to their c/a have nothing to do with your principal since these accs are not connected. therefore, the 2nd officer are «korek». =)
Indeed for scenariio step 1= I inquired new manager regarding the old-fashioned loan, she told you maybe not flexi after that advise myself far better capture almost every other totally flexi bundle.
Scen 2= making this «korek» haha. You means any sort of more payment to help you mortgage a beneficial/c often subtract the main amte to this LO, think about this new T&C stated that we need to offer progress see and then make even more commission. nevertheless manager told me n’t need as their LO not change, brand new LO still according to research by the dated you to definitely, nevertheless bank system already enhance. How does ? I’m scared immediately after finalizing commonly regret after, every mth needs to notice bank to offer down payment .
Got to revise financial?
.As to why do not including totally flexi? If any go out create down-payment needs to inform lender, we wld alternatively simply take completely flexi. Save your time.
Read plus Hleong islamic no locking several months, hope you could share with united states for people who got one futher facts. Thx.
Indeed to have scenariio 1= I inquired the fresh officer about your conventional financing, she said perhaps not flexi after that recommend me personally better to need almost every other completely flexi package.
Scen 2= making this «korek» haha. You setting whichever more fee in order to loan a great/c have a tendency to deduct the principal amte to this LO, how about this new T&C reported that we should instead render get better see making even more commission. although officer explained not want because their LO perhaps not revise, the fresh new LO still in line with the dated you to, but the banking system currently enhance. How does ? I am scared shortly after signing tend to feel dissapointed about after, every mth has to see financial giving deposit .
Surely got to up-date financial?
.As to why you should never such completely flexi? If any date generate down-payment needs to upgrade bank, we wld alternatively grab completely flexi. Save your time.
Read along with Hleong islamic no locking months, promise you could potentially give all of us if you got one futher information. Thx.
if or not the partial otherwise full flexi, the literally a similar thing. just think of it just like the a hands-on vehicles or vehicles automobile. higher FC or more-continue charge towards the benefits against a great deal more feet run lower maintaince pricing. seemingly speaking.
from personal viewpoint, i’ll say wade full-flexi if you possess the more cash assuming you supposed so you’re able to move the money that often.
i’m not completely yes in the UOB’s pratices, but u is seek advice from brand new officials what kind of see to help make the extra commission? over-the-counter find, thirty days observe in advance etcetera.
Do anyone with this financing bundle. Pls display certain light in my experience. My top priority ‘s the progress/prepayment. Let’s say mthly repayment is RM1k, and i also spend RM1.5k most of the mth on the financing an excellent/c. Really does the fresh RM500 often deduct in the Prominent amt , after that decreasing the appeal charge?
You to said»No», the additional percentage will playground on the an effective/c and apply as a beneficial mthly payment when due. See needs to be given to bank if wanted the additional percentage become deduct the principal. She recommend us to fill up the full flexi home loan.