oh oh.. go see .. and report here yeah
i got a friend.. who bought sutera maya .. said macam higher a bit zo..
help me see see block b.. build till which floor edi..
cus we're wondering.. at nite did they work or not [answer is no].. the shopping centre near the place i stay.. paradigm.. they work at nite leh.. so nice..

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Added on July 5, 2011, 12:02 pmyeah.. since i saw they build finish the parking level liao.. then oni i decided to get sutera maya.. haha..
1st prop ma.. scare later abandon then ma jialat.. and also.. normally when the site finish the car park liao.. sure fully sold.. if not fully sold.. also dun have early bird liao.. nasib baik still got early bird for me..
shud be happy also when sutera maya is not popular.. if like z res and other props.. sure wont be my turn to grab one... tak kenal insider and not big big taikoon like j.. o.. e..

This post has been edited by CKHong: Jul 5 2011, 12:05 PM

y my name come out.................

how much do u guys pay monthly for interest to bank 90% loan?

pay monthly for interest ? don't get u..
my monthly repayment to the bank.. after get VP/3 years expired is ~RM1800

http://www.bankrate.com/calculators/mortga...calculator.aspx

Loan amount: 90% of ur amount $
Loan term: 40 years or
Interest rate: 4.2 % per year (based on BLR.. if blr increase.. just use BLR-2.4)

"Show/Recalculate Amortization Table" button
it will show u how much interest bank charge u.. how much u paid to the principle and everything..
so end up did u get a unit or still considering ?

This post has been edited by CKHong: Jul 5 2011, 01:55 PM

abang hong..
i like the link....
all the loan calculator from local bank only can calculate until 30 years..
too bad the link dont have part on flexi acct calculation..

flexi acc calculation ? what do u mean ?
i can add something like.. each month i pay extra RM200
then it will tell me how many years i can finish my loan oh.. quite geng
that link i think is an insurance agent gave me (MaxWealth abang).. lol.. tat time thinking bout mlta and mrta.. but till now not yet buy.. cus very poor..
cus i kept buggin him.. hahaha.. ask them a lot on bank calculation..

This post has been edited by CKHong: Jul 5 2011, 02:19 PM

flexi loan calculation..
housing loan is based on daily interest rate which will be added every month into our loan amt..
if use flexi loan, the extra money that we put into the acct can reduce the daily interest rate...
let say example...

ur daily rate (without putting extra money into the acct) is rm100
then end of month 28 x rm100 = rm2800 / month..
then this rm3000 is added to ur loan and the daily interest rate for next month will be based on this new loan amt..

but if u got put extra money...
then ur daily interest rate will be like...
1st week = rm100
2nd week u dump extra money to offset interest, 2nd week = rm75
3rd week, u dump more moeny, 3rd week = rm50
4th week u need use money, so take some money out (flexi loan can take out anytime u want), then 4th week = rm75
end of the month = (rm100 x 7) + (rm75 x 7) + (rm50 x 7) + (rm75 x 7) = rm2100

compare above n below, u save rm700...
but this calcualtion off la...coz i use high amt..

ohhh.. i see.. this one is good for business man.. where he can delay payment
as i'm just makan gaji.. i won't be able to fork out that lump sump
thanks for the explanation yeah..
now i know u're a real tycoon.. HAHAHAHA !!! ok sorry.. duwan perli u liao.. later next time u duwan to explain to me..
anyway.. i'm taking semi flexi.. as i don't want the bank charge me RM10 per month.. and i dun have extra $$ to dump in and then take out end of month..
but.. based on ur calculation.. u can reli save alot leh.. if u have a junk of $$ to dump in.. and then take it out when needed... business man can save a lot..

i small fly only nia..
this also i need my coll explain to me few times only i understand..
bt then u no need to dump large $$$ de..
u jz use the loan current acct as ur primary acct..
salary credited iinto that acct..
even 1 or 2 days salary inside the acct also can reduce like 4k or 5k (salary) punya daily interest rate..

ehh.. i didnt even think of that
yea hor.. salary in already.. then straight dump in that account....... ahhhhh why i neva think of that...
salary < 4k T_T
anyway.. can't do that liao.. since mine one is semi flexi.. ahh ~~~ can oni blame my stupid brain.. didnt even think of that method..
bro joeeeee... u're very talented.. u'll success in no time... salute ! and thanks for the tips bro..
dun think i can change from semi flexi to full flexi now rite ? since i alr sign everything... LOL

This post has been edited by CKHong: Jul 5 2011, 02:52 PM

Hi joeekh, i'm really new in this, hope u dun mind if i asking a simple ques.
U was saying for 2nd week, "dump extra money to offset the interest, which is rm75", but why i don't see the extra money here?

This post has been edited by kuhfayLover: Jul 5 2011, 03:06 PM

dont worry..
u can use it for 2nd house purchase...

come come join my company...
think got hiring...

+maintenance fee = around 2k? msia property really

the rm75 i mention is the daily interest rate (dont care too much abt the higher value, its jz an example)..
as i menitoned,,,normal rate, ur daily interest will be rm100
but if u put extra money into the ur current acct..this money will not straight go into ur loan but instead used to offset the interest rate (some bank diferent policy, better check properly 1st)..

let say another example, u loan 400K, then the interest wll be ocounted using 400k, let say is rm100/day
but if u got rm5k, u can put this rm5k into your current acct to offset the loan amt..mean the interest will only calculate 400k - 5k = 395k, this would reduce the daily interest rate to like rm90/day

and u can take back this rm5k anytime..

then following week, u got another 5k and u put into the acct, mean the interest for 3rd week will based on 395k - 5k = 300k, reduce to rm80/day

then 4th week, u wan take out 5k for emergency, then interest rate will be 390k + 5k = 395k, rate rm90/day

this is how we play with full flexi loan...

bt take note that full flexi got maintenance fee of rm10/month..

Wau! That's really detail of it. I roughly get the idea of it now! Thanks.
If i have no extra money on that week, will the rate back to normal, which is rm100/day or it will be higher?

if u dont have extra, then the rate will be the same..
until the following month, in which the monthly compounded daily rate will be added into the loan amt..
bt remember ah...all this while, we still be paying our monthly installment..which is the same every month until blr goes up...
total monhtly compounded daily rate < monthly installment...

wah wah.. good offer o not
by the way.. i'm .net developer oh.. if ur company is java one.. i think kenot join zo.. i go back java will have like 0 years experience.. veli cham one the salary..
i also duno i got enuff money for 2nd house purchase or not.. in 3 years i have to add up my income.. quite a lot.. so that i can handle the bank repayment + maintenance fee's + electric + water + internet [of course with the help of my gf.. if not i need to become duck(with my face.. hard to find customer also)]
after i'm ok with those $$.. i plan to get a car [now currently using my mom's car..which sometimes break this and that and i'm kinda fed up with the maintenance of it]

after that only i can think of investment ... haihh... 3 years time.. ahh... veli cham here.. ]
today i'm freakin happy.. cus sutera maya thread doesn't look like a ghost thread.. with nobody put in comment HAHAHAHAH !!!!!! thank u all for entertaining..

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Added on July 5, 2011, 3:57 pmmaintenance around 350 like tat
yup.. 2k++
vomit blood.. nasib got gf help pay the house..
if not i reli duno how am i going to get a house...
pity gf.. have to go outside work..

This post has been edited by CKHong: Jul 5 2011, 04:02 PM

good, lucky u! I buying alone, that's why now keep hitting on my calculator(gonna get a new calculator soon)

which lucky props u're buying ? come share share.. i go ur thread help u push some people in
yea.. reli glad.. got gf help on the house.. if dun have.. i dun think i dare to get a props lur..
don't even dare to play shares... aisehh... macam won't fatt datt ..

I planning to get the d'pines ampang, missed the first launch (time spent on hitting calculator, haha)
my friend bought this sutera maya too, that's why i come in see see look look.