im in a process of buying a house, the first time in my life, and how disappointed i was, when I read the SnP clause, clearly stating if I couldn't get the payment 90 days from SnP date, I will be charged usury/riba'/interest of 10% per annum compounded daily.

What if the banks kaw tim with developers and F up the customers? Ok that might sound super pessimistic but what if banks are SOOOO SLOWW in processing and it is not even our fault that they disburse late.

Clearly a one-sided agreement. whatever happens to customers' first? How can I trust Malaysia anymore?

Regards,

Jeg