Thanks!!!

Anyone see the layout plan, site plan ...etc plan in the pdf??? we need to know are we paying rmxxxk for xxxsf!?

no layout plan! no site plan!

after work later go to sign loan agreement with uob. tml morning go to sign s&p.

release a deep breath... anyway, appreciated your effort ;-)

wait a minute, still no layout plan and other plan???

scb no update, yesterday called them and they told me will back to me in this 2 days.. besides, uob told me the locked in period is 5 years too, will double check later.

are u all care about the layout plan, site plan, etc plan? am i requesting the documents doesn't make sense?

may i know the reason some of you interested to HLB? i dunno and would like to know the reason only, not other meaning.

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Added on December 22, 2009, 6:52 pmcimb told me over quota, need to wait. sc haven't approve me when i called yesterday but their sa told me is -1.85%. just came back from uob, uob offered -1.85% too. uob sa told me cimb was over quota too, additional they said oversea bank is diff, no quota.

This post has been edited by 20yrsinsrisentosa: Dec 22 2009, 06:54 PM

here you go http://forum.lowyat.net/topic/1255016/+240

just came back from signed s&p and loan offered.
got -1.85% with uob.
yes, s&p come with detailed layout plans.
2 car parks number is specified too.
interest payment during construction in 3 yrs time is specified. repayment after construction for 18 months is specified as well. but we must get all done (got loan approved, signed s&p, paid 10% of our property) to eligible for the mentioned promotion package.

haha... now almost the due date to sign s&p, can see a lot newbie account turn up in a sudden, most probably purposely create new account to contribute in this property and yes me too. been long in lowyat.net but purposely create this account for this property

This post has been edited by 20yrsinsrisentosa: Dec 23 2009, 11:51 AM

he advised me purchase separately e.g. purchase with my life insurance agent indeed.

not sure about that, the document left at home now can't check it... u can call to our lawyer at http://www.yellowpages.com.my/company/henr...-888191,wp.html and talk to a girl called sandra.

Meaning the developer will bear the interest paid to the bank?
yes


your loan offer letter stated whole tenure -1.85% only?
yes. may i know what should have because maybe i've missed out here.


3 years free interest?
interested applied, but paid by developer instead in this 3 years.


Mind to tell us how is your bank loan agreement?
would you narrow down the question to 1 by 1 for me to answer?

nope, i took half day leave to be there at in the early morning.

if it is truth, phase 1 has 2 towers, phase 2 has 3 towers (a tower more than phase 1), the developer no only earn back the promotion to phase 1 buyer, got additonal money in their pocket too. but the 3 towers in phase 2 have to be all sold out la

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Added on December 23, 2009, 5:11 pmyou're make sense... if so the developer should push/advice/recommend us take sc loan wat... wondering what's the logic behind...

This post has been edited by 20yrsinsrisentosa: Dec 23 2009, 05:11 PM

"so if i only wan to start my installment when i get the key, the lock period need to count from the date i receive the key.

is that correct?"
yes correct but your desire will cause you no chance to get your key, because developer doesn't get your loaned money to build your house. developer will sell your booked house to someone else.

you overlook the alphabet "R" and "T" MLTA got maturity instead of MRTA. hope link links - http://forum.lowyat.net/topic/410824 help

2) doesnt prepayment reduce principal and recalculate remaining loan then interest base on remaining year?
I think no. Bank want to earn the interest charged on you first. Try out this mortgage calculator http://www.mlcalc.com/ and you will find out the major repayment goes to pay the interest first.

the rm2k was charged to my credit card, viewed it this morning.