QUOTE(iceanise @ Jan 5 2010, 09:05 PM)
i got pbb and uob now....but pbb offer blr - 1.9 whereas uob offer blr-1.85, which one i should accept based on pro and cons?
Check through my previous post to compare the estimation BLR saving vs bonding period penalty. Then you will think -1.9% vs -1.85% not much different around 2-3k only.
If you plan to sell within bonding period, then go for PBB. If after BP, then go for UOB.
Added on January 6, 2010, 1:39 amQUOTE(kornflake @ Jan 5 2010, 10:01 PM)
Please check this out coz i heard that making pre-payment (extra payment) and insisting to
reduce principal amount is applicable only thru the counter. you have to inform them 1 month in advance and you cannot withdrawl it in the future. Im not sure on this but please check it out, king
For UOB I'm sure any cent paid to the account will deduct the principal immediately. (Meaning interest only calculate daily on the remaining HL)
Here I go... this is what my CO gave me on the loan summary:
1) Interest rate: blr -1.85% with daily rests. ( Excess payment amount will deducted from principle, the interest charge on the balance of principle with daily rest).
2) blr +2.25% if 2 months in arrears. (2 months not made any prepayment)
3) blr +3.5% if 3 months in arrears.
4) Prepayment:
- prepayment amount will be effected AFTER full disbursement.
- 5 years lock-in period of first drawdown.
- prepayment amount can't exceed 50% of loan amount for first 5 years, otherwise 3% penalty on excess payment.
- 1 month notice if prepayment amount > 50% of purchase price (if you wish to pay). <-- If you didn't give notice then any amount exceeded will be charge 3% penalty. If you give notice then the exceeded amount will be treated as advance payment will use to pay of your montly prepayment.
- 3% penalty of original loan amount if you wish to refinance/ resale/ fully settlement.
Redrawing:
- min RM2,000 & multiple of RM1,000 (e.g.: RM2000, 3000, 4000, 5000.....) on your excess payment amount, with 1 week notice.
- the redrawn amount will be credited on saving acct @ current acct. (If you wish to open acct with UOB).
5) Other charges:
- redrawal fees: RM50 per transaction.
- RM5 for cheque issue (for redrawn purpose, if you do not open acct in UOB).
- cancellation Fees: RM2,000 (after accept UOB OFFER LETTER).
6) Other: MRTA are OPTIONAL.
Hope it's clear all the doubt for those who decide to take UOB.
Added on January 6, 2010, 2:42 amQUOTE(phoong_msia @ Jan 6 2010, 12:00 AM)
I have 4 apartments under Peter Brickworks (2 at PJS One, and 2 at Senja Damai). Since last year, I've sold the Senja Damai units and 1 unit of PJS One. Have stayed in this area since 1998, first 3 years at Sri Manja Court and the rest at PJS One. The area is cheap to stay but has "poor" image. Crime is high (Canny Ong and Nurin happened in the vicinity), having experienced ragut myself. 1120 PA is located at the junction opposite the old 4-storey shoplots and behind Peter's new shoplots. Traffic is ok, but plenty of mat-rempits. I have a feeling that 1120 PA condo should be facing the big mosque, so expect prayer-noises. Guys, please note that opposite 1120 PA condo, there're the old terrace houses and behind them is a play-ground. Further down the play-ground are a couple of rows of double-storey houses by the monsoon drain. These double-storey houses were rebuilt 2-3 years back by the developer (not Peter's) because they were sinking and cracking. Old mining land.... in fact the shop-houses opposite these double-storey houses are also sinking. I hope I don't offend anybody with my comments made in good faith.
Thanks for sharing and I'm sure KLCC also started with a poor image and cheap to stay area.
This post has been edited by king4891: Jan 6 2010, 02:46 AM 
Jan 4 2010, 05:49 PM
If not, Giant also not bad.... 
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But most probably is Tesco Extra and Giant.... but the area size might not good for those 2. Location are good.
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