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A quotation must first be obtained from a qualified civil renovation loans are sanctioned only after the original property papers Fire Insurance Claim the renovation loan rates are generally higher than that for a home loan.

Hi all

http://rhb.com.sg/personal/loans/reno_loan.html

I need abit of help here...

I saw RHB is offering 2.8%, but it also mentioned Effective Interest Rate at various numbers for different year. What is "Effective Interest Rate" means? How do i calculate my interest rate if i were to loan 20K for 2 years?

do i calculate based on 2.8% or 7.27% for 1st year & 6.55% for second year.

Thanks!!

Hi all

http://rhb.com.sg/personal/loans/reno_loan.html

I need abit of help here...

I saw RHB is offering 2.8%, but it also mentioned Effective Interest Rate at various numbers for different year. What is "Effective Interest Rate" means? How do i calculate my interest rate if i were to loan 20K for 2 years?

do i calculate based on 2.8% or 7.27% for 1st year & 6.55% for second year.

Thanks!!

Flat rate applies , same as those car instalment.

A= loan amount

B= Interest rate

C= total number of yr to pay

D= Total number of monthly instalment

E= Monthly instalment amount = (A*B*C)/D + A/D

Ermm...i still dont get it. But thanks for replying..Im sure your reply will help me once i understand what it all means..i'll do some research on it.

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hi all,

did anyone take up reno loan from RHB?

they give a free gift...what is the free gift?

Ermm...i still dont get it. But thanks for replying..Im sure your reply will help me once i understand what it all means..i'll do some research on it.

Based on your loan amt of 20k and interest @ 2.8%, your monthly repayment

is calculated as below :

20k + 1120 (interest for 2 yrs) / 24 = $880 per mth.