OCBC Ms Lai

Aptment with OCBC Ms Lai regarding Mortgage Loan ytrday. She promised to sms me her hp but didn't. I have tried everything, called the no displayed when she called me on Wed but that was the office and the lady answer saids she doesn't work directly with OCBC. Then call the Yee Yin on the OCBC Brochure taken from AH2. No tone. Just when i started to give up and wanted to try my luck driving to McD Petronas Sg Besi, she called. I wanted to confirm which McD with her but she stays in Puchong and she is not familiar with the area. I was sure that she has told me she wanted to meet me up at Mobil McD Mint Hotel. Well, i asked to meet at McD Petronas Sg Besi.

Aptment at 12pm and she was quite late. I was sitting inside McD and wondering who will i be meeting with. I had a look at every OL look female that passed by or enter McD. Could her be this Auntie, or that young lady, and so time flies. Almost half an hr i had been sitting there. luckily i had ordered my lunch and i was just taking my time.

Finally, she called and she told me that she was at Mobil McD. I taught her hw to get to here although it is just 2km away. Gosh,she is so not familiar with this area. Finally she showed her face in a Red blouse and Black skit, and of course,high heel. Heavy make up also but i'm pretty sure that she is just ard my age. After passing her the docs she wants, she tried to explain to me whats the difference between Mortgage Reducing Term Assurance (MRTA) and Mortgage Level Term Assurance (MLTA).

She is actually an outsourced agent which means she doesn't represent OCBC directly. Anyhow, she told me that once you have signed the S&P (Sales and Puchase) agreement, you will need to decide which bank and loan you have chosen within 2 weeks time. Her advice is, don't sign the S&P yet. OCBC offers semi-flexi housing loan which differs from total flexi loan. Semi does'nt offer current account and cheque book and ATM. One who wish to withdraw $$ from the account would need to give OCBC 3 working days to process. Full flexi will be the other way round, with cheque book,ATM and current acc.

Well, our aptment ended ard 1pm and i was already late for my work.