yes..during initial stage..u will pay more for interest...less for principal..
the longer the time, u will pay lesser for interest...more for principal...
in a short..the monthly repayment u pay is same...rm1956.07...
but monthly accumulated interest will be lesser..
once u do the math, u will understand...

ah girl...me jz finding an excuse to ask for ur hp#...

yala yala..
go ask ur '2 kids' la..
once hv the permission liao..pm me ur email / msn / hp#....

oh....
good ah...
ppl help u..u say me like that...

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Added on July 12, 2011, 12:24 ampbb no good....
then only loan me 90% of discounted price..


This post has been edited by joeekh: Jul 12 2011, 12:24 AM

hahaha..
seriously..pm me if u want the excel sheet...

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Added on July 12, 2011, 12:31 amnt neccessary de..
flat dont have swimmng pool n all the facilities....

This post has been edited by joeekh: Jul 12 2011, 12:31 AM

yalar...
garden thus concept only 'hit; these few years nia..
last time condo dont hv garden also mah...

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Added on July 12, 2011, 1:03 amok..i wait for ur pm then...

This post has been edited by joeekh: Jul 12 2011, 01:03 AM

if u plan for own stay n stay long long time..then shud nt be issue
bt make sue lease period is > 90yrs..
bt then again most ppl after stay 1 place long time, they will think of changing environment..
when u move to new house..u will want to sell old hse..
bt old hse + leasehold = small market value..
bt can be offset by rent out old hse....
sorry..too open ended liao..

in a short...i wont too mind...

This post has been edited by joeekh: Jul 12 2011, 01:20 AM

what u think im...pig ah....

it will not decrease ur monthly payment...
u will still paying 1900+ per month..but u will see the principal amt will be reduce..
u can put the 50k value into column J (credited value) coz u credit 50k into ur current acct..
this will auto reduce ur principal amt..
then u will see daily interest rate reduce...

so in the end..
u paying 1900+ monthly, less interest, more to principal..

btw..i nt yet get ur email / msn / hp#

ok..something u need to make clear...
now the package outside is (full + semi flexi)
when u take loan..they will give u 2 accts (loan + current)..
u jz need to manage ur current acct (witdraw / deposit / etc)..u no need care abt the loan acct..
when u dump in $$ into current acct...it will auto transfer to loan acct (for monthly repayment)..
if u hv extra $$ in current acct...this $$ will stay there and use to pffset the interest of loan acct...
so if u withdraw $$ from epf (1st time withdrawal)..this $$ will go into any acct u specify & u can do whatever u like..
if u dump into current acct, then this $$ will offset ur interest rate....
bt u need to take note..there is sm bank that will treat any extra $$ u dump into ur current acct to pay the principal..
meaning once u dump into current $$, it gone & u cant take out..bt ur principal amt deduct straight...
so u need ask carefully on this...

yes..i take 90%..
from what i understand..monthly payment is < 1/2 of ur salary, then shud nt be issue...
bt then the higher difference, the better & easier for approval..

price..
build up
facing (east / west / north / south)
ceompletion..
downpayment (10% / 7% / 5%)
freehold / leasehold
developer
free gift
car park
density

xiujie..
when u go show room that time..
u can check on the scale model..
when we say face east..that mean the balcony is facing east...

facing pool / garden nt neccessary better feng shui de..
bt most ppl like coz it is more cooler..treessss + water...

oon the scale model..
u can see the compass there..
from there u can deduce the direction of the unit u like...
else..simpler way..ask the sa..

most of project will hv master room & balcony facing same direction...

if u forever check this n that, forever oso u wont able to buy house...
as sm ppl say..feng shui can change due to environmental change..
as long u can find a property that u like n feel comfortable, jz go for it..

mana mana..
share share..

come come be my neighbour...

aiksss..
no longer put me on table for this question...

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

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

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 feel very lazy to explain the diff between mrta & mlta..
alex..u explain to her la...