belum, u need to get ready bank loan, then onli sign SPA, then go settle for EPF....
tower 1, 9th floor, L type here....i did apply for UOB as well, waiting reply from few banks....
no, for own stay, tat y i no really k bout appreciation...
nt yet...i booked mine on last sun which is 13/12, i be given 14 working days for bank loan, then another 14 working days for EPF downpayment...

yes misnail, so actually i will only tell them i sign on saturday 26th. Because i got high commimment and too risky to sign. If loan not approve and after sign it. They will deduct around RM 1,879 charges. This is what i am not satisfied. I thing they few giving 4 and half year interest a bit more. So try to get back some unit together sale on next launch.

If it is true phase 2 will increase 10% then after completed will increase another 10%. Hopefully Peter's will come out more highend project at the area to boost the appreciation.

Developer part buyer need to pay for RM300 only. I think this cost cannot include in your loan except developer agree.

Most of the bank do not have zero entry so the Lawyer fees bear by buyer. I think around 2.8k to 3k which you can include in your loan. MRTA too can include.

PBB told me that only allow 5% of your total loan for lawyer fees and MRTA. E.g. 180k allow only 9k to include.

I recommended you to take MLTA because after maturity can get back the total amount paid + interest. You can opt for monthly repayment. OUB not compulsory.

Anyway, i saw some messages from forumers about whether to sign S&P before the loan is approved from the bank...which made me thinking...shouldn't buyer already aware that his salary and profile are ok to get a bank loan (installment is less than 1/3 of your salary) before he place RM2000 as booking fee?

What S&P need is 10% of purchase price and RM300 cash, with or without bank loan approved, you can sign S&P already.

A diamond in the middle of desert worths nothing more than a stone, which is dispensable.

Maintenance? If the majority of purchasers are from the surrounding, expect a pretty run down in 3 year time.

But what to expect, it was termed as low cost flat.

When i visit the show unit,i found that most of their SA din familiar with the tmn sri sentosa n tmn manja road . THey told us a wrong road sign      .....
i think they're nvr drive around inside tmn2 to look/understand the area environment  ..the kopitiam only they know    ...maybe bintang,checker,or kfc shops ....they havent know yet 
perhap, not all area is ex-mining land......only tmn manja place is ex-mine.....last time tmn sri sentosa was a hill land, all resident plant food/fruit to survivie ....IN Property Market, honestly say ~hill land is much valueable than ex-mine land....

Anyone is taking SC loan?

I noticed that the repayment term is actually upon full drawdown or 24 months from the date of disbursement.

I agree with FH vs LH too. I dont understand why people worry about FH vs LS. If any building more than 90 years old. Maybe the government might even consider gazette it is heritage building. LOL

I've been looking through this forum and here to share my experience.
I am one of the buyer and signed my s&p this monday (28-12-2009).

The loan applications that i applied are Pbb, Uob and SC.
Pbb: they need 1 week to process, offering BLR - 1.8%. MRTA + Legal fees can be included.
Uob: Basically, they need 3 days to approved, offering BLR - 1.85%. MRTA + legal fees can be included.
SC: i agreed, they proceed really fast, offering BLR - 1.85%. MRTA and legal fees are not included.

Same to all, i placed a booking on 12-12-2009, suppose my due date to signed was 26-12-2009 and developer rushed me to sign on 24-12-2009.
I understand that there are some ppl r risking in signing of the s&p before loan is approved. I would advise not to do this. (I'm first time buyer too).

On 24th, my loan was approved according to my UOB SA, but yet to print me the offer letter. SC has already printed the offer and awaiting me to sign.

On that day, my panel lawyer is good enuf. she asked me weather am i getting my offer letter before signed? i said nope. Then she ADVISED me to speak with developer to see if i can extend my due date since im not getting an offer letter yet ( she knows is risky too! ).

Then i went to speak with the sales manager (i guess) and tell her the situation where 14 days included with weekend n PH is something very unfair to us, as there are 2 public holidays sit in btw for the past 2 weeks. All managers and staffs are on leave. We are unable to get our approval. Then the sales manager and SA said if my loan has approved, i can proceed to sign the s&p already even without offer letter yet. BUT I INSIST [COLOR=red]to have offer letter ( as a protection for our buyers). So there she goes, she allowed me to extend on 28-12-2009 n noted my unit and name on a book. Again, the panel lawyer reminded me to get the black and white from her. But she said no nid, just look for her on 28-12-2009 is enuf.      (luckily, my panel lawyer helps me to put a note to my s&p instead!)

One thing i need to remind here, please get your offer letter 1st before you sign up for you s&p. In my case, since i cannot get my UOB offer letter, i go for SC offer letter. SC SA fax me the offer letter.

When i looked through the offer letter, it stated that i'm getting 85% approval only. I was surprised to see this and i called the SC SA. Unfortunately, she DIDNT AWARE of this 85% loan approval. after she checked and get back to say that i'm only eligible for 85% loan approval.
It's something need to be extra caution. if i signed the offer letter of SC just now, i have to bear another 5% as my downpayment again. This is something really not good. since i can extend my due date, i took uob rather. The SA past me the offer letter, explained on the all t n c.

At the end of my story, i signed my s&p on 28-12-2009, with floor plan (including parking plan and parking lot units), dead of mutual, special promotion offer letter (stated clearly developer will bear the 3 years interest and 7.5% is given to us in 18months) provided.

The loan agreement is prepared by the solicitors. You can pay cash / cheque of rm300 to the solicitors. The developer will only bear the construction interest but not your MRTA and legal fees interest. Please don't messed up this. When signing any doc, please ensure your block unit + name + IC are correct. After i signed my s&p, my booking payment + 10% downpayment amount has credited from my account already.

Hope all these things will help to clear all your doubt.

The SA told me refund 1.5k with bank reject loan letter. I'm interested on your unit. Please check ur mailbox.

The construction will start after chinese new year...one of the sales agent told me...

TBK