later she next question will be .... wat is the diff MRTA vs MLTA... which one better....why ? then you should the scheme or excel spreadsheet for the calculation?

o, good question, i really don't know.
Let me go google a while on this before pass the ques to joeekh.

kns alex...
i dnno anything abt mrta vs mlta de...

i know she confirm dont know.. that why i put here...u leh..i dunno whether you got check with ur loan SA...

Cheers... tomolo... i will paste some questions here... then you can take a chance to teach her... hehehe steady...

hey, don't say like i never do homework, i know a bit, something like if i die, this insurance will help to pay for the balance to bank, diff is either beneficiary will have the property only, or he/she will have some cash value plus the property.
hmm, correct ar?
Just that my ques is, compulsory to buy? or can buy later? or....?



This post has been edited by kuhfayLover: Jul 13 2011, 12:39 AM

u too underestimate her liao..
see see...
she knw de...
no need me explain liao...

that one mean general insurance coverage... the home insurance got MLTA & MRTA...

what i meant here...wat's the different between MLTA Vs MRTA ...got 1 newly launch i forgot the name ...

1. MRTA (old one)
2. MLTA (launching since 4-5 years back)
3. MXXA (new one) only few Assurances offer..


above also like Semi Flex vs Full flex...hahahaha

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Added on July 13, 2011, 12:44 amnope...pls note my questions here... wat the different MLTA vs MRTA...not typically insurance coverage question...

and how does both works?..hahaha Jooekh kor...find out for this "coffee princess" lah- Kuhfaylover

This post has been edited by cutealex: Jul 13 2011, 12:44 AM

o, i got it wrong then.
nvm, i will do some homework tomorrow and continue on this topic.

if u wanna say like that..
there alor more ler..
somethinng like plan term...then also something shit that relates to islamic..
this i leave to u to answer la..

i don't like "spoon feed", unless really can't find it practically then will disturb u sifu sifu.

i like it...

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Added on July 13, 2011, 1:11 amJooekh & Kuhlaylover... hope this help u...

http://forum.lowyat.net/topic/410824

pls note some even can claim & rebate on ur personal Income tax yo~

This post has been edited by cutealex: Jul 13 2011, 01:11 AM

wa wa.. sutera maya thread got 22 pages zo ! yay !! but all talk about offtopic one lol.. nvm.. as long as got alot of pages..
oh yeah.. after it goes to 60++ page.. we go to other page kacau yeah.. if not reach 12x.. then have to go for v2..
then start with 1st page..
MLTA + MRTA face to face talk will be easier to explain

Early settlement is , signing with the bank, if the bank have something like 3 years lock in period.
Within 3 years if you paid all of your loan / u do refinance,
2% will be charged by the bank of the total amount loan.

Guys, i found this, for early settlement topic:

http://forum.lowyat.net/topic/1645618

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Added on July 13, 2011, 8:56 amckhong, only if within the lock in period got penalty? from the thread, it seems as long as settle earlier than scheduled installment will kena this penalty?!

Even though we are all offtopic, but this is a very useful thread for property newbie like me.






This post has been edited by kuhfayLover: Jul 13 2011, 08:56 AM

as i know, after the lock in period.. no more charges..
if got charges then all also will say " I DON"T WANT SEMI/FULL FLEXI "
like i take 40 years loan.. each month i dump RM100 more..
i can settle my loan 35years++
if like tat also kena penalty.. then all also duwan semi/full flexi liao..

hmm, is that diff? I though early settlement is like one lump sum dump in to settle the balance??!!
Or is it the thread i posted, she was taking term loan instead of flexi loan?!



This post has been edited by kuhfayLover: Jul 13 2011, 09:14 AM

haha.. didnt read the link u posted..
macam veli long hahahah

i think you all better Open one New thread for CkHong,Jooekh, KuhfayLover - topic title "Property TalkCock thread"...

then you 3 can chit chat there for watever issues with home related...
i can join sometime

haha, we aren't talk*ock one, we serious in sharing one. Btw, not only for 3 of us, also u, we need more property knowledgeable ppl like u to answer my ques.

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Added on July 13, 2011, 9:36 ammalas !!
we need someone to clarify o.





This post has been edited by kuhfayLover: Jul 13 2011, 09:36 AM

does anyone have any update for roof garden?

I passed by today 8am.
Din see any workers there.
Maybe they haven come to work....

I not able to see whether they completed the car park, but i feel that the structure of building remain same compared to last month..Looks like the process abit slow..Maybe they are not rushing on it.