Hi all,
Just to share, based on the experiences i had and from folks here who shared with me, 3 banks i wouldn't touch:
1. SXXXXXXX Chartered Bank
2. H X X C
3. U X B
Your mileage may vary of course but they cited bad representation, high interest rates and lock in clauses.
Just because they have branches in Singapore as well does not mean they do well or provide good service
here. I have friends who told me H X X C folks told them that they can never get loan to buy car or house
in Johore as they are foreigners! That was the only time i had to ever get involved and got another bank
to talk to them. Within days, approval came and then documentation followed. Folks from the SXXXX bank
was worse, promised and told my friends and some forummers here one thing and did another.
You might be better off with some of the local banks, after all, you are borrowing money them to finance a home.
They are way MORE afraid of you than you of them.