Greetings everyone!

I just verbally agreed to purchase an apartment in Subang that allow pets in it. 860 sqft, used to be 3-room apaprtment, converted into 2-room.

I have several issues:

1. I have agreed to pay the 3% deposit but the seller is not willing to accept the deposit until I have my loan approved.

2. I only have one good contact for loan application. Need few more for comparison.

3. I do not have any lawyer yet.

4. I have a medium small dog with me, I have to factor into the design so it will be "pet-prove", such as flooring wouldn't be scratched, easily vacuumed/cleaned floor, etc. Looking for ID/Reconvators.

The theme/main idea of the renovation later need not be any fancy, just cozzy, with yellow lighting, considering plaster ceiling too, so need to fix the toilets, plus the kitchen. Any advices???

Here are some snapshots::

*****This is the master room area which I intend to have it change into a closet and dressing room since next to it is the toilet


*****Still master room, plan to have the bed place next to the window.


*****The toilet..which I think need major overhaul...


*****Second toilet outside the hall..


*****The other small room, plan to make it a guest room/ store room


*****The lil aisle


*****Kitchen... so don't like the cabinets!!


*****Laundry area...what to do...what to do...


*****Living hall, plan to have my bookshelves place here..behind the sofas or something..


*****Another view..

how come it seems like u have more complaints for the apartment that u r buying ? LOL!

when u need the contractor tht time, contact me again, intro u a reliable one.

maybe u can go for Affin Bank.. coz its BLR and packages quite good...

HAHAHAAa..really?!

I just see so many GOOD changes can be done to it.. I will definitely come back to you again for reference when all the S&P is settled.

Appreciate your offer to help.

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Added on April 9, 2010, 4:04 pmHow much? so far best offer I got is from Standard Chartered, first yr 1.8%, subsequent yr is -2.2 blr

This post has been edited by ccdin1: Apr 9 2010, 04:04 PM

Hi, for the loan, generally you need at minimum a receipt to show that you have paid the booking fee before you can even start to apply for the loan. You tell the seller, if you don't let me book, how you want me apply for loan? Lol.

Here is my "Vision"


WALK IN CLOSET..TALK ABOUT DREAM...


THE BEDROOM..I WANT THE WANT TO FACE THE WINDOW, SUN SHINING IN! WUAH!!!


TOILET..BIG SHOWER CAP!!!!


GUEST TOILET


GUEST ROOM / STUDY ROOM


THE AISLE..I LIKE TO HANG PICTURES


KITCHEN.. NOTHING FANCY, BARTOP TABLE WOULD DO


LAUNDRY AREA


THE LIVING HALL!!! I ALWAYS ENVISION A LOT OF RACKS!! AND L-SHAPE SOFA

very nice.. have to spend a bit

thank you. I think need to spend..quit e a lot!!! *GULP !

Contractor - 012-3983903 (Mr Low)

emmm Affin Bank BLR = 5.75% & rate = BLR - 2.1% for 1st 3 years, subsequent years BLR - 2%... based on what package u go for... i signed up for non-free moving cost... so getting higher and better packages

latest update:

Loan approved.

S&P drafting in progress.

Tomorrow collecting Loan Offer Letter.

All going smoothly.

Brilliant walk-in wardrobe picture.

UOB u can call my banker Yunni at 012-6709643. actually HSBC can give -1.9% BLR for whole tenure.. also not to sure which is better though .. which is about -1.9% through out also.. on simple average calculation.

for HSBC u can contact Karen at 0126333602 both are very helpful.

Thank you for the recommendation.

Standard Chartered offered -2.0, then subsequent -2.2, very good deal!!

Letter of Offer signed.

Now left with S&P, should be finalised by this week, I hope!!

wow, have to spend like alot for the furniture and what not.