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viagraMonday : 2. April 2012 07:31It is very rare for banks to refuse reduction of interest rates. The loan sounds suspiciously like Maybank. I may be wrong though. Perhaps it is time for you to go whip out your letter of offer from this bank and check for the penalty clause for early settlement. Banks normally charge 2-5% based on outstanding loan amount and some unscrupulous ones will charge on principal amount. Given the rates you have mentioned above, by changing to another bank which offers you at least BLR-2.2% it would mean a savings of 2.35% which is a lot more than what you would have to pay if you stayed on with the current bank.And because a loan is such a long tedious affair, threaten the bank you are seriously looking at changing bank. Perhaps the best way to threaten is to ask them to calculate how much you may be penalise if you move bank and showed them how much you could save despite the penalty. It will occasionally wake them up and reduce the rates for you.Adino: Thanks for the advice. I am not taking a MBB loan, but from another bank starting with H. I have to check my letter of offer but if I recall correctly the penalty is 5% of the principal amount. I have two years left in my lock in period.Rest assured, I will be looking for some quotations from competing banks to see my savings in the long term. Any loan sales people reading this please send me an email haha… I feel there is no need to beg, or threaten the bank or imply that I will go to another bank. My request itself already made clear what I wanted.
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auto insurance quoteSaturday : 7. April 2012 06:25Adino, don’t ever believe in the resident association, or the JMB, unless you ARE in themI manage to get myself elected as the vice president of the RA for this area, for 2 yearsYou have to see with your own eyes, what actually transpired behind closed doors! Half of the things happened there actually are good material for conspiracy novel, believe meThe lesson I learnt : If I want to get things done, champion it myself. Not through any of these JMB or RA. Get myself elected into the JMB, if the need arise.Or go to see your MB from Pakatan Rakyat. I am sure their service centre is very helpful Adino: Wow, really so much politics going on behind the scenes!
discount auto insuraSunday : 8. April 2012 09:35Wow. I know how you feel, adino, cos work for me is just sky-high and the stress level is mounting. I am crossing my fingers that I don’t fall sick.As for the bad news letter from the bank, I know which bank that is cos I got the very same letter too. I will have to change my savings account over to the basic one and yeah, having to take leave to do that sucks big time. If not for the fact that I support the people running the show, I would’ve taken my money elsewhere a long time ago.Adino: Oh well, what can we do about those ridiculous bank charges. We are at their mercy, really. Without the bank I will be sleeping on the streets.