all ppl put me on table...
goood....
btw alex...z res thread is bored without u..
today ur last day of boikot...

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Added on July 7, 2011, 4:57 pmcoz small fly wanna learn from big taikoon..
u check in LYN property...
all forum from cheras to bkt jalil to pj to nilai, setapak, selayang also got his name..
sm ppl even say he book 1/2 block of buillding..


This post has been edited by joeekh: Jul 7 2011, 04:57 PM

parklane is developed by akisama (kuchai avenue & dynasty garden..quality nt bad also..)
they outsource to big house to sell this project..
as what i understand (i dint own 1 unit there), they dint set any rule abt changing name...
that y u can see in parklane thread is like pasar malam..all ppl lelong here n there...
the nearer date to sign s&p, the greater the competition...
all this ppl are trying to make a quick buck...

access side - this project is near to jln puchong..nearer to puchong side...
currently for those ppl that familiar with jln puchong sure knw how jam n how much traffic light along the road..
but there is plan to upgrade jln puchong from 4lane to 6lane..bt knwing malaysia...u put 8lane also same...

there will be 4000+ unit once all are completed...but it will sits on a larger acre of land..i dunno how big coz i dint pay too much attention..
so the density wont be too high (unit/acre)

jz that u need to understand it wont be a good rental market coz u need to compete with other ppl once all 4000+ units completed at same time

or own stay..shud be so so gua...
950sqft...for small family / single..big family stay there also no much space to move ard liao..
smmore 4000+ units, 20-30% is investor..
so might ended up with some unit left empty coz market oversupply....

the rest..dunno what else to comment liao..

nt all ppl that rent from cheaper unit is foregin worker / student de...
smmore nearby parklane dont hv college / uni also..
bt with such a price..it will be attractive to those jz come out to work n working near sunway / puchong / cyberjaya area de..

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Added on July 10, 2011, 8:26 pmif u believe that parklane suits u, then go ahead..
believe in urself n try nt to think too much of what ppl say..
the more u listen n consider ppl opinion..the smaller u chance u will buy ur own home..
parklane also hv its own attractiveness de...bt not for me..



This post has been edited by joeekh: Jul 10 2011, 09:48 PM

aiyaa..u ah...
me joking only la..
actually alex also joking nia....

bt, really if u like the place, dont think too much..
follow ur head...bt do a bit bit of research la..
if u like it..jz go for it...
hope to hear good news frm u

abang alex..
a guy cannot resit the request of a lady de....

see see...now u scare her liao...
bt,,hoh...very funny...
she ask me edit..she sendiri no edit...
wahahaha

cheh...
u sendiri started 1st..
i jz make follow up only nia..
taikoon no need care abt monday de...

btw..u started to sound abit like my colleague liao..
she look from kajang until sk until cheras until puchong..
all also she say no money..
last last she say wanna wait for PR1MA house..
maybe u also want wait for PR1MA house as well??

http://forum.lowyat.net/topic/1943254
ini

got bdr tasik selatan..
bt then u r right lor..
mostly the location are malay majority area...
kuhfaylover..u think think ah...
btw..u no money can ask kuhfay (whoever that is) to help u pay mah...

where else the guys post n ask ah..?
i remember still got 1 more location..
ard wangsa maju there ah..?
cant remember liao...

i thot now all under hda liao..
service apartment shud get the same rate as residential?

kuhfaylover...
that add another - point to ur thinking of parklane...

u forgot mention setup fee..
rm200 for full flexi..
rm0 for semi flexi..

elek...
bt each withdrawal is a multiplier of rm1k with min withdrawal rm5k...
depends on ppl de..
some prefer semi..some prefer full...
for me..i take full...need show u full calculation only u can understand the savings between semi n full flexi...

put me on table again...

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Added on July 11, 2011, 12:56 pmi got excel formula..
bt i also lazy to fill up the whole sheet...

This post has been edited by joeekh: Jul 11 2011, 12:56 PM

hallo...
itu example de..nt too accurate..
i lazy use real example with real calcualtion...
in real life...dont have such a good example de...

daily interest rate..
jz that it will added into the balance end of the month..

i knw its very hard to calculate..
we can use that as a guideline / estimation...
later i try put in more realistic figures..let me settle some work n go meeting 1st...

pls use the excel formula below to calculate ur monthly repayment
=PMT(interestrate/12,loantenure*12,loanamt,0,0)
for kuhfay case...
=PMT(0.042/12,30*12,400000,0,0)
monthly payment = rm1956.07 every month for 30 years

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Added on July 11, 2011, 6:56 pm
added flexi loan calculation
from the attachment with loan of 400k, monthly payment is 1956.07
let say the payment schedule is on 5th of every month..
so on 5th jan, u paying this amt into the loan, and it will deduct from ur principal (u can see principal amt reduce)
the daily interest rate will be reduce..
at the end of the month, the daily interest will add up and bring to the next month (principal increase)
then on 28th, ur salary come out and dump into the current acct, this will reduce the principal amt n daily interest..
then let say on 1st feb, u need to use rm100, so rm100 is added back to principal and daily interest rate increase...
u just need to play ard with the figure and u can estimate when u can finish off ur 400k loan..
pls have fun in doing the math...


This post has been edited by joeekh: Jul 11 2011, 07:03 PM


Attached thumbnail(s)

1. yes..the formula will calculate ur monthly repayment for the whole tenure of your loan
meaning u need to pay rm1956.07 every month for the whole of 30 years loan (max)...unless ur flexi loan savings kick in n reduce the interest..

2. column f calculate ur daily interest rate..at end of 1st month, ur monthly interest is rm1400++, but u paying rm1956.07
that mean rm1400++ goes to pay interest and remaining rm500 goes pay ur principal (rm400k)...

if u wan to have the excel sheet, u can pm me ur email if u dont mind de...
if u ok, can also gimme ur msn / hp #
wahahaha

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Added on July 11, 2011, 11:51 pmthe strategy is...maximize ur loan tenure...increase ur cash flow...
this u teach me de...

This post has been edited by joeekh: Jul 11 2011, 11:51 PM