Hi all, I'm new in this forum. Nice to know all of you.

At the beginning, I was looking for type A and unfortunately, type A has sold out. then, booked type B with 618k before phase 3 open.

During the triple launching, change to type A with 633k after 20k rebate. Have to pay extra ..

My opinion is the type A & B are more privacy at the ground floor. Definitely, the layout if looks from outside like bunglow type if compare to C. Upper floor design quite similar for all types. My friend adviced me to get A in terms of flat and the dining room looks bigger if compare to B because of staircase.

However, it still depends your choice.

Wah... That's fast.

Yup. Flat land is much better and good fend shui. One thing I like type A especially last phase because that’s golf field at the behind.

Sounds great...

OCBC - BLR - 2.4 but semi-flexi. MRTA is optional
Public bank - 1st - BLR - 2.50, 2nd - BLR-2.45, thereafter - BLR - 2.40. MRTA - minimum 10 years
Hong Leong - BLR - 2.35. MRTA - minimum 5 years.

I heard that Standard Chart offering BLR - 2.5. Is it true?

OCBC and Hong Leong already approved my loan. I am still waiting Public Bank approval.

I walked in their head office and the customer services given their mortgage sales person name card. I did call their sales person and just submitted my application. I submitted quite number of application to different banks.

I submitted to HSBC HQ too. Still awaiting their approval. According to the consultant, they could not offer -2.4 like other banks.. You shall just try to submit and compare their offer. More choices and select the best rate & offer.

As long the SPA is ready and loan offer (offer letter) is secure, you could just sign it.

I give up PBB offer as they only offering 90% of nett purchase price. At the end, I sign up OCBC with BLR - 2.4 although it is semi-flexi. They will charge RM10.00 processing fee when redrawing. Other bank will charge RM10.00 every month regardless you redrawing or not.

HL also offering same rate but they forced me to take MRTA. You could considering take Life insurance instead as it is more flexible and cash return and low premium which OCBC could give you the flexibility.

Correction. I mean I buy Life insurance from my agent not OCBC. You could look for Insurance Broker or agent to propose you Life insurance to you. Btw, I will pm OCBC contact to you.

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Added on March 16, 2011, 1:44 pmDuring I made the booking, I personally submitted the loan application to varoius bank. This is to secure the loan before signing the S&P. Some of bank even could not approve 90% margin and some even to force you to buy MRTA in order to get 90%.

I don't think this is their tactics. Just we may need to do more homework. Definitely, the bank reject or approve lower than 90% when they find out you have too much comittment. I think like what ltcbomd, just try to appeal and negotiate with them whether they could give up to 90%. Just my 2 cent suggestion.

I signed S&P last Friday and loan offer yesterday. Now, I am working to buy the life insurance. Let me know and what I could help from my end although I am not the expert...

This post has been edited by bklim8: Mar 16 2011, 01:44 PM

I understand they will launch Coris in May. They also going to sell bungalow land instead of build. However, I will recommend you shall further clarify from the developer.

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Added on March 16, 2011, 10:40 pmConfirm. As my loan approved too.

This post has been edited by bklim8: Mar 16 2011, 10:40 PM

BLR - 2.4

3 years from the first drawdown. How about yours?

Perhaps depend on the amount you loan. some of bank wants you finance the MRTA and then will give -2.4.

Congratulation. mcken.

as for me, S&P and loan offer have been signed. Now, I am waiting the loan agreement to be signed.

I don't have much things to update. Perhaps anyone could have the update the latest news?

This post has been edited by bklim8: Mar 23 2011, 07:08 PM

Jason,
which unit/project you bought in Emerald? and where are you staying now?

For more information, please just visit Hong Bee official link. They also share information about Chinese school and Jusco progress as well.

http://www.hongbeeland.com/

My last visit at anggun 2 somewhere around February only left a corner unit which sell 1.2m.

This post has been edited by bklim8: Mar 28 2011, 07:59 PM

I bet you must bought a good price. I was told by friend one year ago and I did not action anything until this new launch. It was a bit late and pay higher price. However, I am very excited too to see the good progress of Emerald. Can't wait my new house although the completion will be 2 years from today. I read other forum talk about their new house, progress, renovation, update and etc. Perhaps all new emerald purchaser could be share anything in this forum to make them active.

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Added on April 1, 2011, 4:11 pmIn fact, I like Anggun design and more upmarket. It was sold out during my first visit. They left 1 end lot which selling 1.2M. Above my budget. Then, I bought the semi-d at Emerald West. The semi-D is close to golf course. I love it too...

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Added on April 3, 2011, 5:14 pmJust quick update.

Went to the site yesterday. Big construction has started at Jusco site. Piling, road widening, ... iss happening at the site.

To all Ebony owner, the SA said they target to hand over the house by October this year. Perhaps you could have quick check with them.

This post has been edited by bklim8: Apr 3 2011, 05:14 PM

Perhaps I heard wrongly or SA told me the wrong info . You could just check again when you are there.

You are absolutely right. the BUA is quite small if compare to others. Like their semi-d BUA can't even compare to Anggun. This is could be their stratergy and korek as much as possbile from the purchaser.. less material... cheaper cost.... I guess....

However, it is still depend lor. We prefer more land and my wife think too big to clean up the house... She will pening...

Btw, how big Ebony BUA and land area?

This post has been edited by bklim8: Apr 4 2011, 10:26 PM

RM65 - RM85 per square feet. The land area is from 5500 to 10000 square feet.

This post has been edited by bklim8: Apr 25 2011, 12:54 PM