Yes, please PM. Thanks in advance.

Don't make decision too fast, please segregate the problem facing now into few category. Then confirm which one is very serious.

If not serious then I think most of the developer also have problem regardless the value of the property.

Just think again, there are 5 panels bank provide loan on this project. Banker lend us money without earn interest and without receive our installment for 3 years. Why the bank want to do that?

Ok, another senario is the developer pay the bank interest and pay the installment for first 3 years. This is good news, because the developer have fund to do that. Don't forget 5 banks believe the developer able to do that.

Think first before you act further. Negative feedback is good but you won't know they are competitor. Internet are open to anybody and liar a lot.... trust me.

This post has been edited by king4891: Dec 22 2009, 12:54 PM

Your are great man!!!!!!!!!!!!!!

The SA told me must get rejected letter from 2 banks for RM1500 refund. RM500 forfeited for sure. Seem like different SA tell different story....

Let's all of us sing..... CONGRATULATION!!! CONGRATULATION!!! CONGRATULATION!!!

Would appreciate if can PM the name and phone number of the SA. Tks.

Let's us sing again.. CONGRATULATION !!!!!!!! CONGRATULATION !!!!!!!! CONGRATULATION !!!!!!!!

If this copy still have problem also nevermind bro.... thanks for your effort!

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Added on December 22, 2009, 5:01 pmHi,

I just pass up yesterday... lol...

I submited all five banks.

You already settle everything?

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Added on December 22, 2009, 5:02 pmThanks for the information.

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Added on December 22, 2009, 5:04 pmS&P must have layout plan. Don't sign if do not provided within the S&P. Consult your lawyer.

Sorry... when I purchase from developer the S&P have layout plan but when I sell it the s&p do not have layout plan... Better consult Lawyer.

This post has been edited by king4891: Dec 22 2009, 05:10 PM

Tower 2 Type L

You?

Not yet. waiting for loan to approve first. Cannot wait to pay and own it.... I love the location....

haha... ya... 3 years..... but on and off just go there to see the progress.... bring some coffee there sit inside the car.... lol.....

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Added on December 22, 2009, 5:42 pmWhich unit you bought? Lim.

This post has been edited by king4891: Dec 22 2009, 05:42 PM

I thought CIMB over quota.... my credit officer told me soon will over quota... but -1.7% too low..... i think SC or OCBC will get higher but becareful on their terms and conditions.

Great.. future neighbour.

This post has been edited by king4891: Dec 24 2009, 05:55 PM

1) Better to wait until loan approved only proceed to sign s&p. Developer might not refund all of your 10% if cancel the deal (Refer to Schedule H 5.3 LOAN). Thus, if the developer say must provide reject letter from bank then most probably you will never get reject letter because bank will approve 80% or lower (Refer to Schedule H 5.4 LOAN). If you have 30% downpayment spare money then no problem to sign the s&p.

2) By right purchase from developer the s&p must have layout plan, if not they can deliver any layout as they want later. The copy of s&p provided by one of the brother/sister here which I think might miss out the layout plan. On the First Schedule should have the layout plan, some pages missing.

Hope it's help.

This post has been edited by king4891: Dec 23 2009, 01:06 AM

Utility room and yard cement only... I think most probably the corridor will be cement also... Will ask my neighbour whether want to share to tiles the entire floor...

The separate agreement have 3 years free interest, 7.5% rebate, 2 x 2 tiles and 2 car park?

The layout have the green lanscaping?

Thanks.

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Added on December 23, 2009, 10:25 amJust for your information.

The lawyer fees can add into your loan. Zero Entry must aware on the agreement which might penalty for administration fees 5k if you sell your property within locking period.

Thus, the bank will give you lower BLR reduction for Zero Entry.

This post has been edited by king4891: Dec 23 2009, 10:25 AM

I got HLB loan to refinance one of my property with zero entry and only 3% penalty within 5 years locking period. BLR -2.0 before Nov2009. Flexi Plan with benefit if I bank in full amount of the loan then the bank will not charge me interest but I still need to pay the installment until end of the tenure or end the loan.

bro.. UOB told you the MRTA can purchase separately with one of their insurance panel which you can get back some money after matured? If no, kick his/her ass.... lol...

So far only UOB have this option. PBB allow to choose the number of years. The rest just follow total loan tenure.

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Added on December 23, 2009, 12:34 pmLet's us sing.... CONGRATULATION!!!!! CONGRATULATION!!!!! CONGRATULATION!!!!!

This post has been edited by king4891: Dec 23 2009, 12:34 PM

Just confirm from HLB, they are not the project bank panel. They only give 1st year free interest.

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Added on December 23, 2009, 2:28 pmYou can sign the S&P and the consequences will be as per Schedule H - 5.3 LOAN and 5.4.

If you don't have the S&P then let me know. I type it out here.

This post has been edited by king4891: Dec 23 2009, 02:28 PM