请问谁是申请或知道 CIMB HomeFlexi Smart Loan 是怎样的?

lokecl

请问 CIMB HomeFlexi Smart Loan 是一个 Flexi Loan 来的吗？

ngph988

semi flexi loan

lokecl

ngph988 发表于 12-1-2017 04:18 PM
semi flexi loan

Semi flexi 跟 flexi有什么分别？

ngph988

semi flexi package typically has these features:

1) required to contact bank to indicate extra payment made as early settlement of advance payment

2) if you fail to indicate, you will be charged 1% (some banks do this afaik)

3) if you indicate advance payment, no additional interest is saved as "advance" payment will only be credited to your loan account when it reaches your cycle date, sand must be in multiple of your monthly payment.

If you pay extra without providing notification to the bank, bank will treat your extra payment as "advance payment for following months installment "

4) For redrawable prepayments, you need to indicate separately and Redraw charge of RM25 is imposed. No current account/cheque book provided.

5) Withdrawal of money or crediting of money through Cheque or Over the counter

不好意思，翻译会比较麻烦.

lokecl

ngph988 发表于 13-1-2017 12:27 PM
semi flexi package typically has these features:

1) required to contact bank to indicate extra payment made as early settlement of advance payment

2) if you fail to indicate, you will be charged ...

谢谢

Mayxine

ngph988 发表于 13-1-2017 12:27 PM
semi flexi package typically has these features:

1) required to contact bank to indicate extra payment made as early settlement of advance payment

2) if you fail to indicate, you will be charged ...

我想问这个房贷利率是自由浮动的吗？那么贷款余额也会随之浮动吗？

lumixcer

ngph988 发表于 13-1-2017 12:27 PM
semi flexi package typically has these features:

1) required to contact bank to indicate extra payment made as early settlement of advance payment

2) if you fail to indicate, you will be charged ...

如你说的这种 loan，根本没有flexi 。

ngph988

Mayxine 发表于 17-12-2019 08:42 PM
我想问这个房贷利率是自由浮动的吗？那么贷款余额也会随之浮动吗？

是的，因为你的利息计算法会以你目前的 outstanding 计算

ngph988

lumixcer 发表于 18-12-2019 12:17 AM
如你说的这种 loan，根本没有flexi 。

如何不是 Flexi，好比20年前你付多钱银行不会扣利息