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 Sutera Maya, New project, J.Puchong/OKR

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TSnoed18
post Mar 11 2011, 10:10 AM, updated 15y ago

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Dear all,

Another new Project coming along Jalan Puchong/ Old Klang Road stretch.

This is less dense project with 196 units in 2 blocks, mainly standard units with 4 penthhouse

Tenure: Freehold
Title: Residential
Land Size: 2 acres
Built up Area: 1,341 sq.ft.
Car Park: 3 Basement Levels
Lifts: 2 lifts per floor plate
Pricing From: RM430,000 onwards
Date of Completion: 2013

FULL FLEDGE CONDOMINIUM
•Complete facilities complementing current family lifestyle
•Full fledge residential status
•Management & maintenance
•3-tier security services

Common Facilities and Services

Facilities
•Roof Garden
–Recreational Area
–Exercise Zone
–Cabanas
•Wading Pool
•Swimming Pool
–Timber Sun Deck
–Landscape Garden
•Children’s Play Area
•Dining Room
•Gymnasium
•Multi-purpose Hall
•Management Office
•Covered Car Park

Services
•3-Tier Security System
–24 hours security guard
–CCTV surveillance
–Card Access System
–Integrated Intercom System
•Laundrette
•Convenience Store
•Kindergarten
•Caféteria

Please discuss along with Tiara Mutiara and OUG parklane which is along the same vicinity.

I am not an agent, but I know agent that sells. If interested, can pass on the contact via PM. Cheers
5% early Bird I think. You can check with the agents directly.

Disclaimer: I receive no incentive from the agent fren.

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This post has been edited by noed18: Mar 16 2011, 04:56 PM
naleh33
post Mar 11 2011, 10:40 AM

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More and more condo projects coming up along Puchong, OKR and BJ hmm.gif
ebackbone
post Mar 11 2011, 10:49 AM

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looks good based on spec you mentioned so far, but a bit high entry and design a bit old. 430k, give 2 car park? some more 1341 sqft means roughly rm350 maintenance per month. location seems quite close to TM. TM people who signed S&P may have missed a nice chance for place to call home sweet home smile.gif
Dern
post Mar 11 2011, 12:19 PM

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QUOTE(noed18 @ Mar 11 2011, 10:10 AM)
Dear all,

Another new Project coming along Jalan Puchong/ Old Klang Road stretch.

This is less dense project with 196 units in 2 blocks, mainly standard units with 4 penthhouse

Tenure: Freehold
Title: Residential
Land Size: 2 acres
Built up Area: 1,341 sq.ft.
Car Park: 3 Basement Levels
Lifts: 2 lifts per floor plate
Pricing From: RM430,000 onwards
Date of Completion: 2013

FULL FLEDGE CONDOMINIUM
•Complete facilities complementing current family lifestyle
•Full fledge residential status
•Management & maintenance
•3-tier security services

Please discuss along with Tiara Mutiara and OUG parklane which is along the same vicinity.

I am not an agent, but I know agent that sells. If interested, can pass on the contact via PM. Cheers

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*
not developer that sells it ? how come agent that sells it ?

koh_424
post Mar 11 2011, 01:26 PM

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May i know tis project is under which developer?

Any show-house with reno photo to show?
spikyz
post Mar 11 2011, 02:42 PM

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QUOTE(Dern @ Mar 11 2011, 12:19 PM)
not developer that sells it ? how come agent that sells it ?
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agent sell the property is quite common. like Tan yew lai developer, they outsource to whypaymore for cyberjaya project.
pSykhotic
post Mar 14 2011, 06:17 PM

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Interested, please PM me your agent's contact.
airline
post Mar 14 2011, 11:21 PM

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nowadays, if u buy thru agent, maybe got choice unit.

bluuberry
post Mar 15 2011, 12:44 AM

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QUOTE(noed18 @ Mar 11 2011, 10:10 AM)
Dear all,

Another new Project coming along Jalan Puchong/ Old Klang Road stretch.

This is less dense project with 196 units in 2 blocks, mainly standard units with 4 penthhouse

Tenure: Freehold
Title: Residential
Land Size: 2 acres
Built up Area: 1,341 sq.ft.
Car Park: 3 Basement Levels
Lifts: 2 lifts per floor plate
Pricing From: RM430,000 onwards
Date of Completion: 2013

FULL FLEDGE CONDOMINIUM
•Complete facilities complementing current family lifestyle
•Full fledge residential status
•Management & maintenance
•3-tier security services

Please discuss along with Tiara Mutiara and OUG parklane which is along the same vicinity.

I am not an agent, but I know agent that sells. If interested, can pass on the contact via PM. Cheers

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*
Bro, any early bird or freebies?
free or lease hold
?
TSnoed18
post Mar 16 2011, 04:58 PM

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some updates,

Developer: Home Flair Sdn Bhd

This post has been edited by noed18: Mar 16 2011, 04:58 PM
devil98
post Mar 16 2011, 05:09 PM

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ya PM me details look ok, if gt 2 car park can consider...how about early bird package ?
hanif444
post Mar 16 2011, 05:14 PM

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can i know more detail about it?
Kid investor
post Mar 17 2011, 09:10 PM

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interested....any show unit? freebies? launch already? PM me pls.
KIT39
post Mar 17 2011, 09:26 PM

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interested.... PM me pls.
Split^rOck
post Mar 17 2011, 09:34 PM

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Please pm me the details as well thanks

beeru
post Mar 17 2011, 10:20 PM

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QUOTE(Split^rOck @ Mar 17 2011, 09:34 PM)
Please pm me the details as well thanks
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Me too...pm me please...thanks smile.gif
sevendust
post Mar 17 2011, 11:05 PM

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PM me pls. Thanks
anniecyp2003
post Mar 18 2011, 12:09 AM

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PM me too please...thanks
TSnoed18
post Mar 18 2011, 10:05 AM

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Dear all, please dont flood the thread by "PM me pls", Mod wont be happy.

You can actually PM me directly to ask for the contact.

Anyway, there will be sales office at site tomorrow onwards, limited units left, so i heard. Good luck hunting.
chiao
post Apr 4 2011, 08:53 PM

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no one is interested in this condo?
RyanTham
post Apr 4 2011, 09:15 PM

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actually this condo is good for my personal opinion...sales not so good because not really advertised...sales agent have no internet account to promote mayb..haha.and the show room does not looks like a show room..no banner... etc....around 320 per square feet...maintenance 0.20-0.25psf...total not more than 200 units...each unit got both side view....residential title...grand entrance...got sky terrace...easy accessibility..better than z residence i think...4 rooms...larger square feet...all units 1341 square feet..

This post has been edited by RyanTham: Apr 4 2011, 09:17 PM
DavidAw
post Apr 4 2011, 10:37 PM

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TS, i pm-ed u asking for the agent's contact smile.gif hope to hear from you soon. if here got someone else with any contact pls let me know. am interested in this project.
rbk23
post Apr 4 2011, 10:45 PM

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Hi, can PM me? interested as well. Tx
a13a11
post Apr 4 2011, 10:59 PM

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pm me the details for this development.
tq
steason
post Apr 4 2011, 11:01 PM

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pm me too
dcon
post Apr 4 2011, 11:16 PM

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pm me too, thx
aktoh
post Apr 4 2011, 11:39 PM

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Pls PM me the detail
babypao
post Apr 5 2011, 08:43 AM

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pm me for details. thanks
CKHong
post Apr 5 2011, 05:51 PM

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pm me for details.. thank you very much
ebackbone
post Apr 5 2011, 06:21 PM

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QUOTE(chiao @ Apr 4 2011, 08:53 PM)
no one is interested in this condo?
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seems a lot are just asking for PM to probe for more details to consider.
thunderaj
post Apr 5 2011, 06:28 PM

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please pm me too

sushi7
post Apr 5 2011, 07:34 PM

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Please PM me more details , thanks

SUSNew Klang
post Apr 5 2011, 08:06 PM

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QUOTE(noed18 @ Mar 18 2011, 10:05 AM)
Dear all, please dont flood the thread by "PM me pls", Mod wont be happy.

You can actually PM me directly to ask for the contact.

Anyway, there will be sales office at site tomorrow onwards, limited units left, so i heard. Good luck hunting.
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Ha Ha
chiao
post Apr 5 2011, 09:29 PM

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sales office is just across the road from parklane sales office...
construction has already started, it's already up to parking level..
flyingindance
post Apr 28 2011, 12:35 AM

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can pm me detail pls? thank you
CKHong
post Apr 28 2011, 09:42 AM

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end up didnt get pmed LOL
no need ask zo.. i think he also lazy entertain us :'(
mrPOTATO
post Apr 28 2011, 10:03 AM

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Wan to propose to mod not to allow threadstarters to say 'pm me for mor details' .. really troublesome. Y not jus type here & everyone can discuss sad.gif
max2k
post May 1 2011, 11:00 PM

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yeah... agree... can post more details ? developer name ? background ?
agents ?

CKHong
post May 12 2011, 06:22 PM

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ok ok.. i got more information.. just to share share..
too bad it is >400k.. if not i might grab 1..

New condo project at Jln Puchong, please let me know if anyone is interested. Early bird of 5% rebate for limited time only. Price will increase soon, don't miss it!
Project details:
- Size: 1341sf, 3+1 rooms
- Price: RM 440,000 average
- Freehold
- 2 carparks bay each unit
- Free SPA & loan legal fees only
- 190 units only
- free air-cond

LOL.. now check back 1st page.. its more or less the same
but but.. got one point here.. 5% early bird is ON now for limited time ~~~~
who interested to get more info.. pm clementtan
wah wah i help him promote.. so nice of me...

This post has been edited by CKHong: May 12 2011, 06:24 PM
steason
post May 12 2011, 06:26 PM

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RM328psf =)
consider nice compare to those HIGH DENSITY condo.


This post has been edited by steason: May 12 2011, 06:43 PM
nick_sys
post May 13 2011, 08:20 AM

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pm me, may be will get 2 unit, still got discount and freebies?
thunderaj
post May 16 2011, 11:06 AM

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Look is good buy from the paper but i need to check the place myself.
Any offices, colleges or restaurant nearby to the place.?


CKHong
post May 16 2011, 11:28 AM

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hi.. why is it so less discussion about this place.. is this place tat bad.. sad.gif
i'm planning to get a unit here.. but then not much news about the developer past project :'(

anyone have any information about the developer ? i googled.. not much info.. some said that home flair is subsidiary from a very reputable company... how was it.. any idea ??

ahh.. nvm edi.. lol.. after discuss and discuss and think think together with my gf.. have to take out this sutera liao :'( kenot afford..

This post has been edited by CKHong: May 16 2011, 04:23 PM
Condo Hunter
post May 17 2011, 04:27 PM

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because this sutera maya market by real estate agency~
developer didn't spend money on advertise
CKHong
post May 17 2011, 05:24 PM

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hmm.. why duwan do some advertising geh...they wanna save cost ??
end up i'm grabbing one unit of sutera maya.. if parent no problem in borrowing me money then its a YES from me.. ah.. i hope this project can finish ASAP.. just went to see the site.. block B already starting to build 1st floor of the unit biggrin.gif

now only i know that.. the 5% discount is the developer will pay us $$
at first i thought the formula is

unit : 450k
5% discount = 450k - 22,500k = 427,500k
10% downpayment = 42,750 i need to pay de money [harder for poor ppl like me]

but now the case is like this

unit : 450k
10% downpayment = 45k
5% discount will be given from developer after we sign SnP = 22500
so at the end, we only need to pay 45000 - 22500 = 22500 (cash)


This post has been edited by CKHong: May 17 2011, 06:11 PM
polapolap
post May 17 2011, 05:56 PM

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Better buy Residence 8 by ocr group. low density, every unit can make like soho unit , wanna rent out a room also can. some more this developer duno got build any condo b4 or not. website also dun have.nows day a lot of contractor also be developer.fast money ^^
CKHong
post May 17 2011, 06:13 PM

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but me and my gf dun like the design of residence 8..
at first i also got consider residence 8 ger.. but then ended up dun like the buy 1 free 1 style.. got 2 door rite ? if not mistaken ~
how much is residence 8? i think its kinda pricey as well rite ~
then now residence 8 macam tarak early bird discount liao oh..
ehh residence 8 total unit is 308 oh.. sutera maya only 196 unit.. macam sutera maya more less density oh.. but .. maybe the land of residence 8 is much more bigger~
or am i wrong ?

i went to the sales office.. i saw some past project from home flair oh.. suppose that is real rite ~ i didnt really go and memorise their past project and then search in the net..
anyone go to sales office then maybe ask them to write down their past project.. then maybe we can do some searching on how was the quality of that project..
and the agent said that their company exist for 40 years and is well known.. but duno la.. not so sure.. need more sifu sifu give comment on it.. cus i'm very very new towards properties...
duno pai sifu got come this thread have a look o not.. if got maybe pai sifu can give some comment on this proj..

This post has been edited by CKHong: May 17 2011, 06:29 PM
zettygal
post May 17 2011, 08:45 PM

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Can PM me the details. Thanks.

This post has been edited by zettygal: May 17 2011, 08:49 PM
CKHong
post May 17 2011, 09:13 PM

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i just went to the office today...
block A still left around 7~9 unit..
cheapest is 430k (3rd floor)
block B still left around... 15~30 ( forgot how much edi.. so i just put a huge range )
block B cheapest is 450k++ if not mistaken..
i booked block A .. but chose 7th floor.. 450k T_T
that's all.. got 9k aircon voucher.. 5% discount..
no DIBS...
everything included by the developer except duty stamp which is 3k
so u have to pay is 10% of the unit + 3k
that is all.. lazy to pm cus there might be other who interested in this proj..
nkhong
post May 17 2011, 09:46 PM

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QUOTE(CKHong @ May 17 2011, 09:13 PM)
i just went to the office today...
block A still left around 7~9 unit..
cheapest is 430k (3rd floor)
block B still left around... 15~30 ( forgot how much edi.. so i just put a huge range )
block B cheapest is 450k++ if not mistaken..
i booked block A .. but chose 7th floor.. 450k  T_T
that's all.. got 9k aircon voucher.. 5% discount..
no DIBS...
everything included by the developer except duty stamp which is 3k
so u have to pay is 10% of the unit + 3k
that is all.. lazy to pm cus there might be other who interested in this proj..
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Congratulations !! smile.gif
CKHong
post May 17 2011, 10:32 PM

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nkhong.. u got purchase a unit here ??
cus i just open a new thread.. asking about the 5% discount
but my Application form.. didnt stated black and white got 5% discount on the unit price oh.. shud i get some declaration from the agent ?? sad.gif
scare later tarak that 5% then i definitely duwan liao
nkhong
post May 18 2011, 03:26 AM

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No la, where got so much $$ to buy la.

Normally SnP price will be the original price (not the discounted price). Normally during the first 10% payment, because the of 5% discount you only need to pay 5%. Alot of developer doing this to make low entry price to attract buyer and flipper.

Your case abit different. After sign the SnP they give you 5% in cheque ... hhmmm ... are they asking you to pay 10% , sign SnP and then they pay u back 5% in cheque .... abit ma fan ... why don't you just pay 5% and sign the SnP. Of coz better you get loan approval first la before signing the snp. Normally after loan approval you proceed to pay 10% and sign snp. But developer give u 5% discount so you just need to pay 5%. Why dont you clarify again with them. When you made the booking paymenet. They give sales order form then ask them to write it down about 5% or give you another black and white about the 5%.
CKHong
post May 18 2011, 10:41 AM

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are they asking you to pay 10% , sign SnP and then they pay u back 5% in cheque

they are doing like this woh.. but the agent representing the company to sell sutera maya.. he say he can get a photocopy of the 5% document which stated the we got discount

can that one be consider black and white if i get the photo copy ?
he say after sign snP.. we will have to sign another document which stated we got 5% discount~
nkhong
post May 18 2011, 01:50 PM

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Last time I paid 10% - x % rebate for other property la. Maybe this developer do it in different way.

Is there any forummer here bought Sutera Maya that can clarify to CKHong. Or maybe property sifus here can help ....
CKHong
post May 18 2011, 03:27 PM

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yeah.. need clarify...
but just paid booking fee's .. he say that before signing snp.. if i suddenly say i duwan buy that unit liao (cus dun have 5% discount) the 10k will be giving me back without any charges..
hopefully i can get the 5% smile.gif
the agent said he can confirm that i can get 5%
so basically i'm one of the buyer of sutera maya ~ i hope the construction finish fast fast biggrin.gif
clementtan
post May 19 2011, 12:54 PM

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Dear all,

If anyone is interested at this condo, u may pm or call me @ 012 2877758. I'm the agent there.

5% early bird is still available for limited time, price is still the pre-launch price before any increment, i.e: RM 320 per sf.

Its really value buy for a freehold project.

Regards
clement
CKHong
post May 19 2011, 02:02 PM

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oh hi clement biggrin.gif i'm getting my unit from him.. he's a nice guy biggrin.gif
actually i'm wondering when is the 5% discount limited time.. agak agak which month ?
cus i'm now persuading another of my friend lol ~ i'm so nice give u more business.. treat me kopi ice.. tongue.gif

Aikz.. he said he kenot get dou the 10% downpayment ... sad.gif

This post has been edited by CKHong: May 21 2011, 11:52 PM
kendotnet
post May 25 2011, 08:03 PM

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Hello all, my name is Ken from Public Bank HQ mortgage department. If you need financing for this project, feel free to contact me.

Thank you.

regards,
Ken Tang
+6017 3707 235
kenweitang@gmail.com
aalex2888
post May 25 2011, 10:54 PM

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hey guys.
I m also one of the owner of this Condo.. See you soon.. expect complete by Nov 2013.... but they are fast builder.
CKHong
post May 26 2011, 09:10 AM

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aalex...
which block and what unit ? see if u're my neighbour or not smile.gif
but i not yet sign snp lah.. now waiting for my loan to get approve
agreed.. they already finish the parking rite.. for block B biggrin.gif starting to build 1st floor
i hope they finish it earlier smile.gif

This post has been edited by CKHong: May 26 2011, 09:15 AM
aalex2888
post Jun 13 2011, 09:11 PM

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QUOTE(CKHong @ May 26 2011, 09:10 AM)
aalex...
which block and what unit ? see if u're my neighbour or not smile.gif
but i not yet sign snp lah.. now waiting for my loan to get approve
agreed.. they already finish the parking rite.. for block B  biggrin.gif starting to build 1st floor
i hope they finish it earlier  smile.gif
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Dear Friend,
Block B...so which block have you bought it? which bank are you sign up for the loan? Any good deal?

CKHong
post Jun 14 2011, 02:40 PM

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my unit Block B 5-3 biggrin.gif
i'm going for public bank.. UOB offer me as well.. but public bank offer alil bit better than UOB.. HSBC > totally no sound from the banker.. i think she know that i won't take HSBC loan as the maximum loan is only 35 years [including 3 years construction]
UOB > BLR-2.4
Public > BLR - 2.5[first year] BLR - 2.4[2nd onwards]
all 3 years lock in based on first drawdown
this weekend will sign snp + loan agreement..
hopefully the 5% stated is really there ~ signing snp that time will have the 5% as stated by the agent.
Don't know what else shud it take note during signing snp..
too bad there's not much discussion over here.. if not i can get more info from sutera maya neighbour smile.gif


Added on June 18, 2011, 1:22 pmyo aalex.. ur parking.. is it side by side or front and back? haih.. mine is front and back sad.gif

This post has been edited by CKHong: Jun 18 2011, 01:22 PM
kendotnet
post Jun 20 2011, 12:03 AM

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Hi all, I am Ken from Public Bank mortgage department. If you need financing for this project, feel free to contact me.

Regards,
KEN
+6017 3707 235
kenweitang@gmail.com
aalex2888
post Jun 23 2011, 06:36 PM

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QUOTE(CKHong @ Jun 14 2011, 02:40 PM)
my unit  Block B 5-3  biggrin.gif
i'm going for public bank..  UOB offer me as well.. but public bank offer alil bit better than UOB.. HSBC > totally no sound from the banker.. i think she know that i won't take HSBC loan as the maximum loan is only 35 years [including 3 years construction]
UOB >  BLR-2.4
Public > BLR - 2.5[first year]  BLR - 2.4[2nd onwards]
all 3 years lock in based on first drawdown
this weekend will sign snp + loan agreement..
hopefully the 5% stated is really there ~  signing snp that time will have the 5% as stated by the agent.
Don't know what else shud it take note during signing snp..
too bad there's not much discussion over here.. if not i can get more info from sutera maya neighbour  smile.gif


Added on June 18, 2011, 1:22 pmyo aalex.. ur parking.. is it side by side or front and back? haih.. mine is front and back  sad.gif
*
Dear CK,
myself also signed up SNP recently. Tight up with Public bank 3 years lock in period with flexi home loan. The SNP agreement too long for me so i didnt read all la.. The my car park, i dont really know where is the unit located...maybe will check with my home minister later. just go there and pay the 10% deposit....and sign your name.
vectorian
post Jun 23 2011, 09:04 PM

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That road itself will be super crazy traffic congestion thanks to the 4 to 5 projects on that road itself.
CKHong
post Jun 24 2011, 11:23 AM

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QUOTE(aalex2888 @ Jun 23 2011, 06:36 PM)
Dear CK,
myself also signed up SNP recently. Tight up with Public bank 3 years lock in period with flexi home loan. The SNP agreement too long for me so i didnt  read all la.. The my car park, i dont really know where is the unit located...maybe will check with my home minister later. just go there and pay the 10% deposit....and sign your name.
*
oh oh.. i thought the lawyer who bring u the snp to sign.. will explain ? or u tell him u're too busy ? ahaa... for my case, he explained well smile.gif i didn't notice the car park is tandem until my friend told me during half way signing snp..
got a friend also bought one unit together with me : )


Added on June 24, 2011, 11:24 am
QUOTE(vectorian @ Jun 23 2011, 09:04 PM)
That road itself will be super crazy traffic congestion thanks to the 4 to 5 projects on that road itself.
*
yeah agreed bro... all those project not yet build.. already jam.. after all finish i dare not to imagine LOL
all thanks to those people who want to go puchong ~ aish
hopefully there is other road that can go to puchong.. then lesser people will take that road.. anyway.. where also jam de lur.. just see how serious nie tongue.gif

This post has been edited by CKHong: Jun 24 2011, 11:26 AM
joeekh
post Jun 24 2011, 11:25 AM

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QUOTE(CKHong @ Jun 24 2011, 11:23 AM)
oh oh.. i thought the lawyer who bring u the snp to sign.. will explain ? or u tell him u're too busy ? ahaa...  for my case, he explained well  smile.gif  i didn't notice the car park is tandem until my friend told me during half way signing snp..
got a friend also bought one unit together with me : )


Added on June 24, 2011, 11:24 am
yeah agreed bro... all those project not yet build.. already jam.. after all finish i dare not to imagine LOL
all thanks to those people who want to go puchong ~  aish
*
all unit in sutera maya is having tandem parking..
no side by side..
CKHong
post Jun 24 2011, 11:28 AM

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QUOTE(joeekh @ Jun 24 2011, 11:25 AM)
all unit in sutera maya is having tandem parking..
no side by side..
*
ehh really a ! all also having tandem ? i see i see..
cus the lawyer who bring me snp sign, he mention some of them is side by side.. maybe he's mistaken ? u very sure ? biggrin.gif if like tat i feel better lur hahaha.. at least its not like discriminate or what.. some side by side.. some with no luck tandem
joeekh
post Jun 24 2011, 11:38 AM

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i ask clement..
he told me..
if he lie to me then i also canot do anything..
coz i dun hv the developer contact..

wait...i think i got the developer contact..
bt lazy to call n ask la..if u wan then i can give u..

This post has been edited by joeekh: Jun 24 2011, 11:39 AM
Chronox
post Jun 24 2011, 11:46 AM

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Looks like very good location to me... PM me the details...
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post Jun 24 2011, 12:30 PM

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ohh.. i lazy to ask as well lol..
i even know where is the developer office.. super near to my working place lol.. yo chronox.. if u look back at page 3.. i stated the details smile.gif
very little people talk about sutera maya 4 page only.. maybe u can read from beginning ? smile.gif
Chronox
post Jun 24 2011, 12:31 PM

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QUOTE(CKHong @ Jun 24 2011, 12:30 PM)
ohh.. i lazy to ask as well lol..
i even know where is the developer office.. super near to my working place lol.. yo chronox.. if u look back at page 3.. i stated the details  smile.gif
very little people talk about sutera maya 4 page only.. maybe u can read from beginning  ?  smile.gif
*
I read from beginning... I thought things may have changed since then :-) Thanks anyway...
CKHong
post Jun 24 2011, 12:50 PM

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the only thing that might change is the 5%
as stated by clement.. he said the 5% early bird might be taken out~
joeekh
post Jun 24 2011, 02:07 PM

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i call yest..
still got 5%
CKHong
post Jun 24 2011, 02:12 PM

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QUOTE(joeekh @ Jun 24 2011, 02:07 PM)
i call yest..
still got 5%
*
ohh.. nice one.. smile.gif so if other people interested.. go go get one.. we can become neighbour biggrin.gif
aalex2888
post Jun 25 2011, 03:07 PM

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QUOTE(CKHong @ Jun 24 2011, 02:12 PM)
ohh.. nice one..  smile.gif  so if other people interested.. go go get one.. we can become neighbour  biggrin.gif
*
Yes yes.... be our good neighbour....That road might be getting wider soon...if have any new information, please up date us.
LameCouple
post Jun 25 2011, 09:18 PM

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Today i went Parklane OUG and Sutera Maya itself...not much units left for Sutera Maya. Maintenance fee for Sutera Maya is expensive think is around RM330 per mth. Wondering if is for investment, is it a good one? will it have capital appreciation upon completion?
nkhong
post Jun 25 2011, 10:53 PM

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QUOTE(LameCouple @ Jun 25 2011, 09:18 PM)
Today i went Parklane OUG and Sutera Maya itself...not much units left for Sutera Maya. Maintenance fee for Sutera Maya is expensive think is around RM330 per mth. Wondering if is for investment, is it a good one? will it have capital appreciation upon completion?
*
Less dense off coz always better than high dense. What u pay is what you get mah ... for investment purpose also low dense better less competition to sell when completed.
joeekh
post Jun 26 2011, 12:43 AM

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maintenance fee rm0.25 psf (include sinking fund)..
not much facilities..
pretty expensive..dont u think..?
smmore not much unit left...except those facing west..
evening sun will be like sauna...
CKHong
post Jun 26 2011, 08:08 PM

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QUOTE(aalex2888 @ Jun 25 2011, 03:07 PM)
Yes yes.... be our good neighbour....That road might be getting wider soon...if have any new information, please up date us.
*
oh ? got news they're going to make the road become wider ?? omg omg !! i didnt know that... at least got hope ! tongue.gif


Added on June 26, 2011, 8:10 pm
QUOTE(LameCouple @ Jun 25 2011, 09:18 PM)
Today i went Parklane OUG and Sutera Maya itself...not much units left for Sutera Maya. Maintenance fee for Sutera Maya is expensive think is around RM330 per mth. Wondering if is for investment, is it a good one? will it have capital appreciation upon completion?
*
350 per month for maintenance > sutera maya smile.gif
if for investment.. i think its kinda hard.. unless u can find some rich ppl rent ur unit.. capital appreciation i duno.. have to ask sifu sifu investor..
if for investment, i think it will be better to go for parklane.. as the price will be cheaper.. so might have higher % to have the rental cover up the monthly repayment for bank tongue.gif


Added on June 26, 2011, 8:11 pm
QUOTE(nkhong @ Jun 25 2011, 10:53 PM)
Less dense off coz always better than high dense. What u pay is what you get mah ... for investment purpose also low dense better less competition to sell when completed.
*
agreed... lesser competition... oug parklane.. if want to sell.. super hard ... 4k unit.. even now those flipper want to flip also hard.. all also flipping.. want to flip also hard unless u have some extra freebies that other doesn't have..


Added on June 26, 2011, 8:13 pm
QUOTE(joeekh @ Jun 26 2011, 12:43 AM)
maintenance fee rm0.25 psf (include sinking fund)..
not much facilities..
pretty expensive..dont u think..?
smmore not much unit left...except those facing west..
evening sun will be like sauna...
*
what else facilities to expect ? anyway.. i only need swimming pool, badminton court and maybe gym.. smile.gif
yeah yeah.. most of the unit left is face west.. got mine facing east (thank god).. end up have to pay more for it.. previously was aiming a unit with 430k.. but it face west.. and low floor..
agreed with the evening sun... unless u're very rich la.. can open air con 24 hr~

This post has been edited by CKHong: Jun 26 2011, 08:13 PM
LameCouple
post Jun 27 2011, 08:37 AM

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QUOTE(CKHong @ Jun 26 2011, 08:08 PM)


Added on June 26, 2011, 8:10 pm
350 per month for maintenance > sutera maya  smile.gif
if for investment.. i think its kinda hard.. unless u can find some rich ppl rent ur unit..  capital appreciation i duno.. have to ask sifu sifu investor..
if for investment, i think it will be better to go for parklane.. as the price will be cheaper.. so might have higher % to have the rental cover up the monthly repayment for bank tongue.gif
I end up getting a unit at D'Pines due to the entry fee is low compare to Parklane OUG and Sutera Maya tongue.gif
CKHong
post Jun 27 2011, 09:30 AM

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QUOTE(LameCouple @ Jun 27 2011, 08:37 AM)
I end up getting a unit at D'Pines due to the entry fee is low compare to Parklane OUG and Sutera Maya  tongue.gif
*
eh.. seems like a good deal... i didnt know about that project.. 8% rebate :'(
oh at ampang.. hmm doesn't familiar with that place.. but many said that that project is good.. i saw Pai sifu is there ! sure good one smile.gif

This post has been edited by CKHong: Jun 27 2011, 09:38 AM
joeekh
post Jun 28 2011, 09:43 PM

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QUOTE(CKHong @ Jun 27 2011, 09:30 AM)
eh.. seems like a good deal... i didnt know about that project.. 8% rebate :'(
oh at ampang.. hmm doesn't familiar with that place.. but many said that that project is good.. i saw Pai sifu is there ! sure good one smile.gif
*
wahahaha...
finally got ppl entertain u in this thread..
wont be bored also la...
if u bored, then u come over z thread kepoh kepoh..
wahahha....
rclxm9.gif
CKHong
post Jun 28 2011, 10:43 PM

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QUOTE(joeekh @ Jun 28 2011, 09:43 PM)
wahahaha...
finally got ppl entertain u in this thread..
wont be bored also la...
if u bored, then u come over z thread kepoh kepoh..
wahahha....
rclxm9.gif
*
Lol.. I always kepo at z residence de la...
homefinder
post Jun 28 2011, 11:16 PM

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QUOTE(LameCouple @ Jun 27 2011, 08:37 AM)
I end up getting a unit at D'Pines due to the entry fee is low compare to Parklane OUG and Sutera Maya  tongue.gif
*
ya loh but without dibs, 99 yrs & time been still surrounded by kampung anyway dont know what will be the appreciation price in the next 3 years? Don't know whether parklane & sutera maya area will develop faster or Taman Nirwana D'pines
.
joeekh
post Jun 28 2011, 11:49 PM

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QUOTE(CKHong @ Jun 28 2011, 10:43 PM)
Lol.. I always kepo at z residence de la...
*
dont worry..
u come kepoh, sure i entertain u..
i also go kepoh alot other thread..
smmore i got go look look see see sutera maya..
too bad no show unit..
CKHong
post Jun 29 2011, 01:57 AM

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QUOTE(joeekh @ Jun 28 2011, 11:49 PM)
dont worry..
u come kepoh, sure i entertain u..
i also go kepoh alot other thread..
smmore i got go look look see see sutera maya..
too bad no show unit..
*
yea lo... developer doesn't want to waste money on advertisement + show unit.. aiseh~
antichrist
post Jun 29 2011, 07:41 AM

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when is this gonna laucnh for sales?
can anyone PM me the SA contact?

This post has been edited by antichrist: Jun 29 2011, 07:55 AM
CKHong
post Jun 29 2011, 09:18 AM

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Hi antichrist..
you can pm clementtan
I'm not sure he's consider SA or not..
cus developer outsource it to an agencies to help them sell sutera maya unit..
u can go to the agency temporary office at jalan puchong.. just beside the site(sutera maya) which is currently ongoing.
It launched already on may.. based on some forumers, they said still have around 10 units left..
joeekh
post Jun 29 2011, 09:38 AM

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QUOTE(CKHong @ Jun 29 2011, 09:18 AM)
Hi antichrist..
you can pm  clementtan 
I'm not sure he's consider SA or not..
cus developer outsource it to an agencies to help them sell sutera maya unit..
u can go to the agency temporary office at jalan puchong.. just beside the site(sutera maya) which is currently ongoing.
It launched already on may.. based on some forumers, they said still have around 10 units left..
*
wah...
abang, u no need sleep de ah...
morning see u..afternoon see u..night see u...midnight also see u....
biggrin.gif
CKHong
post Jun 29 2011, 09:40 AM

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QUOTE(joeekh @ Jun 29 2011, 09:38 AM)
wah...
abang, u no need sleep de ah...
morning see u..afternoon see u..night see u...midnight also see u....
biggrin.gif
*
LOL !! nola.. yesterday play dota with fren till late ma..
then morning came work.. got some time then ma kap kap at sutera maya got ppl entertain me or not lur ~ biggrin.gif
u also maaa...

This post has been edited by CKHong: Jun 29 2011, 09:41 AM
joeekh
post Jun 29 2011, 09:45 AM

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QUOTE(CKHong @ Jun 29 2011, 09:40 AM)
LOL !!  nola.. yesterday play dota with fren till late ma..
then morning came work.. got some time then ma kap kap at sutera maya got ppl entertain me or not lur ~  biggrin.gif
u also maaa...
*
me working on IT de ma..
so facing computer all the day...
so mai got time come here kepoh lor,,,
rclxm9.gif
CKHong
post Jun 29 2011, 09:50 AM

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QUOTE(joeekh @ Jun 29 2011, 09:45 AM)
me working on IT de ma..
so facing computer all the day...
so mai got time come here kepoh lor,,,
rclxm9.gif
*
omg.. same.. software engineer here LOL !
joeekh
post Jun 29 2011, 09:56 AM

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QUOTE(CKHong @ Jun 29 2011, 09:50 AM)
omg.. same.. software engineer here LOL !
*
takde la..
my programming knowledge 0 de....
biggrin.gif
more on technical consultant..
CKHong
post Jun 29 2011, 09:58 AM

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QUOTE(joeekh @ Jun 29 2011, 09:56 AM)
takde la..
my programming knowledge 0 de....
biggrin.gif
more on technical consultant..
*
omg.. consultant.. rclxms.gif envy u..
joeekh
post Jun 29 2011, 10:03 AM

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QUOTE(CKHong @ Jun 29 2011, 09:58 AM)
omg.. consultant..    rclxms.gif    envy u..
*
nama saja consultant..
but doing rojak thing..
sweat.gif
antichrist
post Jun 29 2011, 03:09 PM

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QUOTE(CKHong @ Jun 29 2011, 09:18 AM)
Hi antichrist..
you can pm  clementtan 
I'm not sure he's consider SA or not..
cus developer outsource it to an agencies to help them sell sutera maya unit..
u can go to the agency temporary office at jalan puchong.. just beside the site(sutera maya) which is currently ongoing.
It launched already on may.. based on some forumers, they said still have around 10 units left..
*
CKHONG, thanks for the PM, i've pmed clementtan, waiting for his reply.
probably heading to sales office this evening b4 5pm.
CKHong
post Jun 29 2011, 03:48 PM

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QUOTE(antichrist @ Jun 29 2011, 03:09 PM)
CKHONG, thanks for the PM, i've pmed clementtan, waiting for his reply.
probably heading to sales office this evening b4 5pm.
*
yea yea.. if want to know which unit still avail.. its better u head to sales office.. smile.gif
yes ! potential neighbour ~~~ hahaa.. ask them still got 5% early bird o not yea
joeekh
post Jun 29 2011, 03:52 PM

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QUOTE(antichrist @ Jun 29 2011, 03:09 PM)
CKHONG, thanks for the PM, i've pmed clementtan, waiting for his reply.
probably heading to sales office this evening b4 5pm.
*
best u call him..
faster...
he sms me on momday say got unit at block a, 2nd floor less than 450k....
see..ckhong, i helping u find neighbor...also helping clement find biz...
think i need commision liao...
biggrin.gif
CKHong
post Jun 29 2011, 04:01 PM

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QUOTE(joeekh @ Jun 29 2011, 03:52 PM)
best u call him..
faster...
he sms me on momday say got unit at block a, 2nd floor less than 450k....
see..ckhong, i helping u find neighbor...also helping clement find biz...
think i need commision liao...
biggrin.gif
*
agreed.. call him.. clement number 012 287 7758
last time i was eyeing a unit 2nd floor.. price 430k.. i duno that unit still avail o not now..
change my mind bcos that one facing west sad.gif gf talak suka facing west..
i also want commision.. i also helping clement find biz .. at least treat eat kfc lur HAHAHHAHAHA !!
haha.. joeekh so nice.. help me find neighbour.. rclxms.gif
u shok lo.. z residence.. no need u go find.. millions go in there and chat chat chat.. even i went there kepo icon_rolleyes.gif
joeekh
post Jun 29 2011, 04:13 PM

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QUOTE(CKHong @ Jun 29 2011, 04:01 PM)
agreed.. call him.. clement number 012 287 7758
last time i was eyeing a unit 2nd floor.. price 430k.. i duno that unit still avail o not now..
change my mind bcos that one facing west  sad.gif  gf talak suka facing west..
i also want commision.. i also helping clement find biz .. at least treat eat kfc lur  HAHAHHAHAHA !!
haha.. joeekh so nice..  help me find neighbour..  rclxms.gif 
u shok lo.. z residence.. no need u go find.. millions go in there and chat chat chat.. even i went there kepo  icon_rolleyes.gif
*
yeah..that unit available now..
block a...2nd floor facing west...
rm430k..5% discount..but u only can get back the % after u pay 10% downpayment...
today z res more quiet..i need go all forum kepoh kepoh..
biggrin.gif
CKHong
post Jun 29 2011, 04:52 PM

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QUOTE(joeekh @ Jun 29 2011, 04:13 PM)
yeah..that unit available now..
block a...2nd floor facing west...
rm430k..5% discount..but u only can get back the % after the developer get the 1st 10% from bank...
today z res more quiet..i need go all forum kepoh kepoh..
biggrin.gif
*
lemme correct u..yea lo.. block a oni got cheap unit.. block b.. even if its 2nd floor.. 450k++ liao
yea.. today z res very quiet.. u quite free woh.. tongue.gif
antichrist
post Jun 29 2011, 06:07 PM

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i'm wondering, is this under wilayah or selangor address?
CKHong
post Jun 29 2011, 06:16 PM

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under kuala lumpur..
kendotnet
post Jun 29 2011, 07:30 PM

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Hi all,

Im ken from PUBLIC BANK HQ sales and department. Feel free to contact me if you need financing for this project.

Regards,
KEN
+6017 3707 235
kenweitang@gmail.com
joeekh
post Jun 29 2011, 09:57 PM

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QUOTE(CKHong @ Jun 29 2011, 06:16 PM)
under kuala lumpur..
*
good la u...
today this very active...
more neighbor for u..
biggrin.gif
antichrist
post Jun 29 2011, 10:12 PM

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did any black n white written to get back 5%?i visited the sale office n i kinda like the location as its nearby working place with 3tier security..im interested in 1st floor but wondering how d dev return the 5%?n did u guys get it ady.?
white cam
post Jun 29 2011, 10:14 PM

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QUOTE(LameCouple @ Jun 27 2011, 08:37 AM)
I end up getting a unit at D'Pines due to the entry fee is low compare to Parklane OUG and Sutera Maya  tongue.gif
*
How much is the MA fee?
CKHong
post Jun 29 2011, 10:14 PM

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QUOTE(joeekh @ Jun 29 2011, 09:57 PM)
good la u...
today this very active...
more neighbor for u..
biggrin.gif
*
good meh under KL... i heard some said.. under KL, the cukai tanah veli expensive leh.. i rather its under cheap area.. i dun have to pay so much for cukai tanah tongue.gif
yea yea.. veli happy.. today sutera maya quite active


Added on June 29, 2011, 10:16 pm
QUOTE(antichrist @ Jun 29 2011, 10:12 PM)
did any black n white written to get back 5%?i visited the sale office n i kinda like the location as its nearby working place with 3tier security..im interested in 1st floor but wondering how d dev return the 5%?n did u guys get it ady.?
*
Hi, we not yet got the 5% return as developer not yet get the 10% from the bank[our loan]
but during signing snp, there is some papers, stated that developer will give back 5% based on full purchase price when the developer claim the 10% from the bank
that one consider black and white edi smile.gif if u want.. u can give me ur email... i'll forward u the sample document for the 5% and the air con smile.gif clement sent to me as i kept on asking 'where is the black and white' stating the 5%
first time purchasing props.. so a bit kan cheong.. hhahhahaha


Added on June 29, 2011, 10:18 pm
QUOTE(white cam @ Jun 29 2011, 10:14 PM)
How much is the MA fee?
*
sorry.. noob here.. what is MA ?

This post has been edited by CKHong: Jun 29 2011, 10:18 PM
joeekh
post Jun 29 2011, 10:19 PM

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QUOTE(CKHong @ Jun 29 2011, 10:14 PM)
good meh under KL... i heard some said.. under KL, the cukai tanah veli expensive leh.. i rather its under cheap area.. i dun have to pay so much for cukai tanah  tongue.gif
yea yea.. veli happy.. today sutera maya quite active


Added on June 29, 2011, 10:16 pm
Hi, we not yet got the 5% return as developer not yet get the 10% from the bank[our loan]
but during signing snp, there is some papers, stated that developer will give back 5% based on full purchase price when the developer claim the 10% from the bank
*
i know it u will reply...
u 24*7 kap this thread...biggrin.gif
btw, what i understand from clement is the 5% discount is from 10% downpayment...but mayb im wrong..
since u the purchaser,u shuld hv more knwledge on this..
CKHong
post Jun 29 2011, 10:21 PM

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QUOTE(joeekh @ Jun 29 2011, 10:19 PM)
i know it u will reply...
u 24*7 kap this thread...biggrin.gif
btw, what i understand from clement is the 5% discount is from 10% downpayment...but mayb im wrong..
since u the purchaser,u shuld hv more knwledge on this..
*
biggrin.gif HAHHA... where got 24*7 kap this thread wo~ tongue.gif coincident... coo.. in.. ci.. dent HAHAHAHAHA [ps : got email one ah whenever ppl reply z res , sutera maya.. gmail veli geng in sync email hehe]
yea.. confirm edi.. we have to take out 10% downpayment then later only claim back smile.gif
white cam
post Jun 29 2011, 11:04 PM

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QUOTE(CKHong @ Jun 29 2011, 10:14 PM)
good meh under KL... i heard some said.. under KL, the cukai tanah veli expensive leh.. i rather its under cheap area.. i dun have to pay so much for cukai tanah  tongue.gif
yea yea.. veli happy.. today sutera maya quite active


Added on June 29, 2011, 10:16 pm
Hi, we not yet got the 5% return as developer not yet get the 10% from the bank[our loan]
but during signing snp, there is some papers, stated that developer will give back 5% based on full purchase price when the developer claim the 10% from the bank
that one consider black and white edi  smile.gif  if u want.. u can give me ur email... i'll forward u the sample document for the 5% and the air con  smile.gif  clement sent to me as i kept on asking 'where is the black and white' stating the 5%
first time purchasing props.. so a bit kan cheong.. hhahhahaha


Added on June 29, 2011, 10:18 pm
sorry.. noob here.. what is MA ?
*
Maintenance fee tongue.gif
joeekh
post Jun 29 2011, 11:28 PM

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QUOTE(white cam @ Jun 29 2011, 11:04 PM)
Maintenance fee  tongue.gif
*
u mean for sutera maya..?
rm0.25..
abang ckhong..i help u kepoh at ur place...
hahahha
CKHong
post Jun 30 2011, 12:26 AM

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QUOTE(joeekh @ Jun 29 2011, 11:28 PM)
u mean for sutera maya..?
rm0.25..
abang ckhong..i help u kepoh at ur place...
hahahha
*
haha.. yea.. since i'm not 24*7 biggrin.gif u help me answer also good ger hehe... i also kepo at z res

This post has been edited by CKHong: Jun 30 2011, 12:26 AM
antichrist
post Jun 30 2011, 09:14 PM

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QUOTE(CKHong @ Jun 29 2011, 10:14 PM)
good meh under KL... i heard some said.. under KL, the cukai tanah veli expensive leh.. i rather its under cheap area.. i dun have to pay so much for cukai tanah  tongue.gif
yea yea.. veli happy.. today sutera maya quite active


Added on June 29, 2011, 10:16 pm
Hi, we not yet got the 5% return as developer not yet get the 10% from the bank[our loan]
but during signing snp, there is some papers, stated that developer will give back 5% based on full purchase price when the developer claim the 10% from the bank
that one consider black and white edi  smile.gif  if u want.. u can give me ur email... i'll forward u the sample document for the 5% and the air con  smile.gif  clement sent to me as i kept on asking 'where is the black and white' stating the 5%
first time purchasing props.. so a bit kan cheong.. hhahhahaha


Added on June 29, 2011, 10:18 pm
sorry.. noob here.. what is MA ?
*
hi ckhong...i would like to see the agreement that u mentioned for refund 5% n air-con?this is my first house so i would like to clarify everything before i pay deposit.....thanks.will pm you my email address.
joeekh
post Jun 30 2011, 09:50 PM

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QUOTE(CKHong @ Jun 30 2011, 12:26 AM)
haha.. yea.. since i'm not 24*7  biggrin.gif  u help me answer also good ger  hehe...  i also kepo at z res
*
see u got so many frens now in this thread..keep it active..
then u wont be bored..
CKHong
post Jun 30 2011, 09:52 PM

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QUOTE(antichrist @ Jun 30 2011, 09:14 PM)
hi ckhong...i would like to see the agreement that u mentioned for refund 5% n air-con?this is my first house so i would like to clarify everything before i pay deposit.....thanks.will pm you my email address.
*
ok... sent biggrin.gif check ur hotmail smile.gif
oh oh ~~ my first house as well.. haha.. veli gan jeong smile.gif
stated by clement.. he said the cheapest 430k has just been release... someone book it but then didnt want it anymore.. or maybe loan disapprove.. smile.gif anyway.. u can ask ask him if u want the cheapest unit smile.gif


Added on June 30, 2011, 9:52 pm
QUOTE(joeekh @ Jun 30 2011, 09:50 PM)
see u got so many frens now in this thread..keep it active..
then u wont be bored..
*
hahahah.. omg bro.. u're sooooooooo fast...
yea yea.. hope this thread will be active.. z residence today quite active ahh.. so nice~

This post has been edited by CKHong: Jun 30 2011, 09:53 PM
joeekh
post Jun 30 2011, 10:01 PM

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QUOTE(CKHong @ Jun 30 2011, 09:52 PM)
ok... sent  biggrin.gif  check ur hotmail smile.gif
oh oh ~~ my first house as well.. haha.. veli gan jeong  smile.gif
stated by clement.. he said the cheapest 430k has just been release... someone book it but then didnt want it anymore.. or maybe loan disapprove..  smile.gif anyway.. u can ask ask him if u want the cheapest unit  smile.gif
u shud ask commision from clement..
u part time promoting sutera maya in LYN liao..
biggrin.gif
antichrist
post Jun 30 2011, 10:05 PM

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QUOTE(CKHong @ Jun 30 2011, 09:52 PM)
ok... sent  biggrin.gif  check ur hotmail smile.gif
oh oh ~~ my first house as well.. haha.. veli gan jeong  smile.gif
stated by clement.. he said the cheapest 430k has just been release... someone book it but then didnt want it anymore.. or maybe loan disapprove..  smile.gif anyway.. u can ask ask him if u want the cheapest unit  smile.gif


Added on June 30, 2011, 9:52 pm
hahahah.. omg bro.. u're sooooooooo fast...
yea yea.. hope this thread will be active..  z residence today quite active ahh.. so nice~
*
it is 430k after rebate or before rebate?type a or b?which floor?
joeekh
post Jun 30 2011, 10:07 PM

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QUOTE(antichrist @ Jun 30 2011, 10:05 PM)
it is 430k after rebate or before rebate?type a or b?which floor?
*
b4 rebate
block a 2nd floor
facing west

CKHong
post Jun 30 2011, 10:07 PM

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QUOTE(antichrist @ Jun 30 2011, 10:05 PM)
it is 430k after rebate or before rebate?type a or b?which floor?
*
430k before rebate.. type a or b ? Do u mean block a or b ? Only block a got that price..2nd floor if not mistaken


Added on June 30, 2011, 10:09 pm
QUOTE(joeekh @ Jun 30 2011, 10:01 PM)
u shud ask commision from clement..
u part time promoting sutera maya in LYN liao..
biggrin.gif
*
Wa.. thanks for helping .. forgot to mention facing west.. I think facing east one quite limited.. maybe no more d.. not sure.. haha.. I just want to have this thread to be more active haha..

This post has been edited by CKHong: Jun 30 2011, 10:09 PM
joeekh
post Jun 30 2011, 10:36 PM

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abang hong..
u manyak quiet ini ari...
CKHong
post Jun 30 2011, 10:40 PM

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QUOTE(joeekh @ Jun 30 2011, 10:36 PM)
abang hong..
u manyak quiet ini ari...
*
U mean me ? Quiet meh ?

This post has been edited by CKHong: Jun 30 2011, 10:41 PM
joeekh
post Jun 30 2011, 11:39 PM

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QUOTE(CKHong @ Jun 30 2011, 10:40 PM)
U mean me ? Quiet meh ?
*
abit bit lor..
mayb i too free gua..
can post here post there the whole day...
wahaha...
tongue.gif
cutealex
post Jun 30 2011, 11:42 PM

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QUOTE(joeekh @ Jun 30 2011, 11:39 PM)
abit bit lor..
mayb i too free gua..
can post here post there the whole day...
wahaha...
tongue.gif
*
Free until can update thread every single min..
joeekh
post Jun 30 2011, 11:47 PM

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QUOTE(cutealex @ Jun 30 2011, 11:42 PM)
Free until can update thread every single min..
*
wat to do...
too free liao..
think i can apply part-time job helping ppl push up their thread...
earn bit bit extra income...
wahahah...
cutealex
post Jun 30 2011, 11:49 PM

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QUOTE(joeekh @ Jun 30 2011, 11:47 PM)
wat to do...
too free liao..
think i can apply part-time job helping ppl push up their thread...
earn bit bit extra income...
wahahah...
*
too Free? buy stocks / shares market lah... then monitor every min to see up and down... earn much better than do nothing here?> brows.gif
joeekh
post Jun 30 2011, 11:51 PM

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QUOTE(cutealex @ Jun 30 2011, 11:49 PM)
too Free? buy stocks / shares market lah... then monitor every min to see up and down... earn much better than do nothing here?> brows.gif
*
if i got extra $$ sure i do that liao...
i need to settle my house 1st, then i worry abt investment..
antichrist
post Jul 1 2011, 04:28 PM

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what time does the sales office close?
CKHong
post Jul 1 2011, 04:30 PM

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5 i think
aalex2888
post Jul 4 2011, 07:58 PM

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QUOTE(CKHong @ Jul 1 2011, 04:30 PM)
5 i think
*
Hello... guys.
Very Very active ler... wat have you all eaten?? Vga??
hehehhehe
antichrist
post Jul 4 2011, 10:43 PM

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not to offence, what do you think if home flair abonden this project?do you think have any chances to happen?
joeekh
post Jul 4 2011, 11:16 PM

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QUOTE(antichrist @ Jul 4 2011, 10:43 PM)
not to offence, what do you think if home flair abonden this project?do you think have any chances to happen?
*
shud nt happen gua..
the site alredy being build...
y suddenly ask like that ger..?
u heard something ah...
antichrist
post Jul 4 2011, 11:25 PM

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QUOTE(joeekh @ Jul 4 2011, 11:16 PM)
shud nt happen gua..
the site alredy being build...
y suddenly ask like that ger..?
u heard something ah...
*
u mean u guys nvr check the background of this dev?


Added on July 4, 2011, 11:26 pmdoes anyone knows type A still available?

This post has been edited by antichrist: Jul 4 2011, 11:26 PM
joeekh
post Jul 4 2011, 11:32 PM

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QUOTE(antichrist @ Jul 4 2011, 11:25 PM)
u mean u guys nvr check the background of this dev?


Added on July 4, 2011, 11:26 pmdoes anyone knows type A still available?
*
there nt much info abt home flari..
jz know (from sa) that it is subsidiary of some malay owned company based in KT..
then they mostly do construction n some sort of that..
1st time take own project...
n u say like that..u making bro ckhong scare la..
later he heart attack how...?

blok A shud finish liao..last 2 week got 1 cancelled unit..nt sure got ppl take liao aont..
CKHong
post Jul 5 2011, 08:29 AM

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QUOTE(joeekh @ Jul 4 2011, 11:32 PM)
there nt much info abt home flari..
jz know (from sa) that it is subsidiary of some malay owned company based in KT..
then they mostly do construction n some sort of that..
1st time take own project...
n u say like that..u making bro ckhong scare la..
later he heart attack how...?

blok A shud finish liao..last 2 week got 1 cancelled unit..nt sure got ppl take liao aont..
*
lol.. yesterday slept super early.. 9pm... HAHHAHA
yea yea.. u make me very worried.. but shud be ok gua... the site already building .. parking settle edi.. i saw the site then oni dare to buy one..
ah ! dam.. heart pain.. izzit heart att ? sad.gif


Added on July 5, 2011, 8:32 am
QUOTE(antichrist @ Jul 4 2011, 11:25 PM)
u mean u guys nvr check the background of this dev?


Added on July 4, 2011, 11:26 pmdoes anyone knows type A still available?
*
lol i'm still wondering.. what is type A... cus all of the unit same type.. aha.. bro joe reli pro.. know its block A
u can call clement.. ask whether the 430k in block a 2nd floor still avail o not..
0122877758
ahh.. i'm so gud..


Added on July 5, 2011, 8:33 am
QUOTE(joeekh @ Jul 4 2011, 11:16 PM)
shud nt happen gua..
the site alredy being build...
y suddenly ask like that ger..?
u heard something ah...
*
actually i dun get what u mean.. tats why i didnt reply.. haha.. see see har.. .bro joe also didnt reply u.. u will feel sad.. can u elaborate ? biggrin.gif

This post has been edited by CKHong: Jul 5 2011, 08:33 AM
joeekh
post Jul 5 2011, 10:15 AM

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QUOTE(CKHong @ Jul 5 2011, 08:29 AM)
lol.. yesterday slept super early.. 9pm... HAHHAHA
yea yea.. u make me very worried..  but shud be ok gua...  the site already building .. parking settle edi.. i saw the site then oni dare to buy one..
ah ! dam.. heart pain.. izzit heart att ?  sad.gif


Added on July 5, 2011, 8:32 am
lol i'm still wondering.. what is type A... cus all of the unit same type.. aha.. bro joe reli pro.. know its block A
u can call clement.. ask whether the 430k in block a 2nd floor still avail o not..
0122877758
ahh.. i'm so gud..


Added on July 5, 2011, 8:33 am
actually i dun get what u mean.. tats why i didnt reply.. haha.. see see har.. .bro joe also didnt reply u.. u will feel sad.. can u elaborate ? biggrin.gif
*
now u getting super worried now...
CKHong
post Jul 5 2011, 10:16 AM

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QUOTE(joeekh @ Jul 5 2011, 10:15 AM)
now u getting super worried now...
*
actually now still can tahan..
if got some negative news.. then reli kenot zo..
joeekh
post Jul 5 2011, 11:04 AM

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QUOTE(CKHong @ Jul 5 2011, 10:16 AM)
actually now still can tahan..
if got some negative news.. then reli kenot zo..
*
as u say...sudah sampai parking level...
shud nt be any issue jor de..
antichrist
post Jul 5 2011, 11:51 AM

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QUOTE(joeekh @ Jul 5 2011, 11:04 AM)
as u say...sudah sampai parking level...
shud nt be any issue jor de..
*
Huh, Is it!?!i havent see the site yet...will see it today.
CKHong
post Jul 5 2011, 12:02 PM

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QUOTE(antichrist @ Jul 5 2011, 11:51 AM)
Huh, Is it!?!i havent see the site yet...will see it today.
*
oh oh.. go see .. and report here yeah
i got a friend.. who bought sutera maya .. said macam higher a bit zo.. smile.gif
help me see see block b.. build till which floor edi.. biggrin.gif
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..


Added on July 5, 2011, 12:02 pm
QUOTE(joeekh @ Jul 5 2011, 11:04 AM)
as u say...sudah sampai parking level...
shud nt be any issue jor de..
*
yeah.. 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
joeekh
post Jul 5 2011, 01:22 PM

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QUOTE(CKHong @ Jul 5 2011, 12:02 PM)
oh oh.. go see .. and report here yeah
i got a friend.. who bought sutera maya .. said macam higher a bit zo..  smile.gif
help me see see block b.. build till which floor edi..  biggrin.gif
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..


Added on July 5, 2011, 12:02 pm

yeah.. 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..
*
y my name come out.................
antichrist
post Jul 5 2011, 01:40 PM

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

CKHong
post Jul 5 2011, 01:53 PM

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QUOTE(antichrist @ Jul 5 2011, 01:40 PM)
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
joeekh
post Jul 5 2011, 02:10 PM

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QUOTE(CKHong @ Jul 5 2011, 01:53 PM)
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 ?
*
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..
CKHong
post Jul 5 2011, 02:18 PM

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QUOTE(joeekh @ Jul 5 2011, 02:10 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.. sad.gif
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
joeekh
post Jul 5 2011, 02:31 PM

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QUOTE(CKHong @ Jul 5 2011, 02:18 PM)
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..  sad.gif
cus i kept buggin him.. hahaha.. ask them a lot on bank calculation..
*
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..
CKHong
post Jul 5 2011, 02:42 PM

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QUOTE(joeekh @ Jul 5 2011, 02:31 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.. smile.gif where he can delay payment smile.gif
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..
joeekh
post Jul 5 2011, 02:47 PM

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QUOTE(CKHong @ Jul 5 2011, 02:42 PM)
ohhh.. i see.. this one is good for business man..  smile.gif  where he can delay payment  smile.gif
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..
CKHong
post Jul 5 2011, 02:51 PM

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QUOTE(joeekh @ Jul 5 2011, 02:47 PM)
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 sad.gif
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
kuhfayLover
post Jul 5 2011, 03:03 PM

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QUOTE(joeekh @ Jul 5 2011, 02:31 PM)
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
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
joeekh
post Jul 5 2011, 03:06 PM

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QUOTE(CKHong @ Jul 5 2011, 02:51 PM)
ehh.. i didnt even think of that  sad.gif
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
*
dont worry..
u can use it for 2nd house purchase...

come come join my company...
think got hiring...
tongue.gif
kuhfayLover
post Jul 5 2011, 03:09 PM

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QUOTE(CKHong @ Jul 5 2011, 01:53 PM)
my monthly repayment to the bank.. after get VP/3 years expired is ~RM1800
+maintenance fee = around 2k? msia property really sweat.gif

joeekh
post Jul 5 2011, 03:18 PM

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QUOTE(kuhfayLover @ Jul 5 2011, 03:03 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?
*
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..
kuhfayLover
post Jul 5 2011, 03:25 PM

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QUOTE(joeekh @ Jul 5 2011, 03:18 PM)
...................................
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?



joeekh
post Jul 5 2011, 03:30 PM

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QUOTE(kuhfayLover @ Jul 5 2011, 03:25 PM)
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...
CKHong
post Jul 5 2011, 03:56 PM

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QUOTE(joeekh @ Jul 5 2011, 03:06 PM)
dont worry..
u can use it for 2nd house purchase...

come come join my company...
think got hiring...
tongue.gif
*
wah wah.. good offer o not biggrin.gif
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.. sad.gif 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.. sad.gif 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..


Added on July 5, 2011, 3:57 pm
QUOTE(kuhfayLover @ Jul 5 2011, 03:09 PM)
+maintenance fee  = around 2k?  msia property really  sweat.gif
*
maintenance 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.. sad.gif

This post has been edited by CKHong: Jul 5 2011, 04:02 PM
kuhfayLover
post Jul 5 2011, 04:01 PM

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QUOTE(CKHong @ Jul 5 2011, 03:56 PM)
maintenance 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..
good, lucky u! I buying alone, that's why now keep hitting on my calculator(gonna get a new calculator soon) sweat.gif

CKHong
post Jul 5 2011, 04:04 PM

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QUOTE(kuhfayLover @ Jul 5 2011, 04:01 PM)
good, lucky u! I buying alone, that's why now keep hitting on my calculator(gonna get a new calculator soon)  sweat.gif
*
which lucky props u're buying ? come share share.. i go ur thread help u push some people in smile.gif
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 ..
kuhfayLover
post Jul 5 2011, 04:07 PM

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QUOTE(CKHong @ Jul 5 2011, 04:04 PM)
which lucky props u're buying ? come share share.. i go ur thread help u push some people in  smile.gif 
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) sad.gif
my friend bought this sutera maya too, that's why i come in see see look look.


joeekh
post Jul 5 2011, 04:08 PM

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QUOTE(CKHong @ Jul 5 2011, 03:56 PM)
wah wah.. good offer o not  biggrin.gif
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..  sad.gif  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..  sad.gif  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..


Added on July 5, 2011, 3:57 pm
maintenance 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..  sad.gif
*
.net u go jobstreet see see look look la..
i nt programming so wa bo zhai de...
CKHong
post Jul 5 2011, 04:18 PM

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QUOTE(kuhfayLover @ Jul 5 2011, 04:07 PM)
I planning to get the d'pines ampang, missed the first launch (time spent on hitting calculator, haha) sad.gif
my friend bought this sutera maya too, that's why i come in see see look look.
*
D pines.. now macam left all big square feet oh.. macam 500k++ liao rite ?
but.. got 8% rebate.. i missed that.. sad.gif maybe bcos of the location i neva see b4..
i didtn know sutera maya till i read http://forum.lowyat.net/index.php?showtopi...&hl=sutera+maya
was aiming z.. tat time went to mid valley.. the fella said around 300/sf
super interested
end up the time reli launch.. more than that.. straight no mood edi..
then aiming subsale kinrara mas.. all seller jacked up the price till i go back home.. cry in my room...
ok fine.. aim sutera maya.. 450k++ i was like OMG !! ok ignore that..
agent call me said there's a cheapest unit 430k.. think hard.. go with gf and a couple [my friend]
end up we want a unit that face east.. 460k ><"
haih.. like tat.. i've become a slave for bank..

QUOTE(joeekh @ Jul 5 2011, 04:08 PM)
.net u go jobstreet see see look look la..
i nt programming so wa bo zhai de...
*
u said ur company hiring.. not programmer ah.. hiring consultant ? i duno i'm qualified as consultant or not.. i'm not as clever as bro joe.. :'(

This post has been edited by CKHong: Jul 5 2011, 04:19 PM
joeekh
post Jul 5 2011, 04:27 PM

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QUOTE(CKHong @ Jul 5 2011, 04:18 PM)
D pines.. now macam left all big square feet oh.. macam 500k++ liao rite ?
but.. got 8% rebate.. i missed that..  sad.gif  maybe bcos of the location i neva see b4..
i didtn know sutera maya till i read http://forum.lowyat.net/index.php?showtopi...&hl=sutera+maya
was aiming z.. tat time went to mid valley.. the fella said around 300/sf
super interested
end up the time reli launch.. more than that.. straight no mood edi..
then aiming subsale kinrara mas.. all seller jacked up the price till i go back home.. cry in my room...
ok fine.. aim sutera maya.. 450k++ i was like OMG !! ok ignore that..
agent call me said there's a cheapest unit 430k.. think hard..  go with gf and a couple [my friend]
end up we want a unit that face east.. 460k  ><"
haih.. like tat.. i've become a slave for bank..
u said ur company hiring.. not programmer ah.. hiring consultant ?  i duno i'm qualified as consultant or not.. i'm not as clever as bro joe..  :'(
*
abang hong...
ur sutera maya...
rm460k++ / 1341 sqft = 343 sqft
my z res rm500k / 1407 sqft = 355 sqft
u can take smaller unit...1200++ = < rm450k

my company got other post de mah..
i dunno anything abt programming..so i dint take note on that...
seanooi880327
post Jul 5 2011, 04:28 PM

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Hi bro Hong, whats the price for Kinrara Mas during that time the seller offered you?
i checked website now mostly selling below 350K... cheaper than your current sutera maya...hee

Anyway, in terms of location sutera a way better than kinrara mas....

I staying in Kinrara and pass by the Sutera site almost everyday..

no worry i saw the construction going well during day time....

This post has been edited by seanooi880327: Jul 5 2011, 04:29 PM
CKHong
post Jul 5 2011, 04:30 PM

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QUOTE(joeekh @ Jul 5 2011, 04:27 PM)
abang hong...
ur sutera maya...
rm460k++ / 1341 sqft = 343 sqft
my z res rm500k / 1407 sqft = 355 sqft
u can take smaller unit...1200++ = < rm450k

my company got other post de mah..
i dunno anything abt programming..so i dint take note on that...

*
but if count in terms of psf.. 450k = 1200.. 375 per square feet ler.. veli expensive..
oh oh i see for the red color above

QUOTE(seanooi880327 @ Jul 5 2011, 04:28 PM)
Hi bro Hong, whats the price for Kinrara Mas during that time the seller offered you?
i checked website now mostly selling below 350K... cheaper than your current sutera maya...hee

Anyway, in terms of location sutera a way better than kinrara mas....

I staying in Kinrara and pass by the Sutera site almost everyday..

no worry i saw the construction going well during  day time....
*
last time was like.. 900++ square feet one.. 320~330k.. i don't have that much initial $$.. thats why i didnt buy.. initial payment is my only concern for that time being.. duwan borrow too much from parent.. veli paiseh one.. then let other sibling know.. scare they say also[which i dun think they will say la] .. now... with the 5% discount early bird + taking out me and my gf kwsp account 2.. i can pay all the money back to my parent..
that makes me feel happy.. thou i'm very grateful for them to borrow me money initially..
wa wa.. i'm glad what u said above [red colour]
but then.. i think the jalan puchong will be much much more jammer.. kinrara mas road won't be that jam i think..

This post has been edited by CKHong: Jul 5 2011, 04:33 PM
kuhfayLover
post Jul 5 2011, 04:30 PM

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QUOTE(CKHong @ Jul 5 2011, 04:18 PM)
D pines.. now macam left all big square feet oh.. macam 500k++ liao rite ?
but.. got 8% rebate.. i missed that..  sad.gif  maybe bcos of the location i neva see b4..
i didtn know sutera maya till i read http://forum.lowyat.net/index.php?showtopi...&hl=sutera+maya
was aiming z.. tat time went to mid valley.. the fella said around 300/sf
super interested
end up the time reli launch.. more than that.. straight no mood edi..
then aiming subsale kinrara mas.. all seller jacked up the price till i go back home.. cry in my room...
ok fine.. aim sutera maya.. 450k++ i was like OMG !! ok ignore that..
agent call me said there's a cheapest unit 430k.. think hard..  go with gf and a couple [my friend]
end up we want a unit that face east.. 460k  ><"
haih.. like tat.. i've become a slave for bank..
*
Yes, now leave those big unit one only, 600K++ la, am waiting for the 2nd launch. Scare later the price increased a lot, then i'll cry.gif Cause of the location, good location it is, that's why i thinking of get one first.

rclxub.gif Wah! You like going around all the new property in klang valley already!! But all seems the same, expensive!! Ok, time to change job! hmm.gif

This post has been edited by kuhfayLover: Jul 5 2011, 04:32 PM
joeekh
post Jul 5 2011, 04:32 PM

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QUOTE(CKHong @ Jul 5 2011, 04:30 PM)
but if count in terms of psf.. 450k = 1200..  375 per square feet ler.. veli expensive..
oh oh i see for the red color above
*
abang...
340 to 355 psf la...for block b
CKHong
post Jul 5 2011, 04:36 PM

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QUOTE(kuhfayLover @ Jul 5 2011, 04:30 PM)
Yes, now leave those big unit one only, 600K++ la, am waiting for the 2nd launch. Scare later the price increased a lot, then i'll  cry.gif Cause of the location, good location it is, that's why i thinking of get one first.

rclxub.gif Wah! You like going around all the new property in klang valley already!! But all seems the same, expensive!! Ok, time to change job!  hmm.gif
*
haha.. been checking lowyat on props thread for 6 months.. going all around.. actually not much.. i think i went to see subsale condo.. around 3~4 condo only.. but subsale reli gila lately.. jacked up price till my mom nearly kenot recognize my face.. haha.. reli need job hopping ler.. if stay in a company.. if the company doesn't appreciate u.. at most u get increment <10%
u job hopping.. u can try ur luck by requesting 20% ++ [depend on how u talk]

QUOTE(joeekh @ Jul 5 2011, 04:32 PM)
abang...
340 to 355 psf la...for block b
*
oh sorry.. counted wrong.. haih.. now kenot do anything liao.. alr sign everything.. even thou i know z res is a good props.. also kenot zo.. i want to find 20 cents to 'gua sha'[direct translate korek pasir] also hard..

This post has been edited by CKHong: Jul 5 2011, 04:38 PM
kuhfayLover
post Jul 5 2011, 04:42 PM

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QUOTE(CKHong @ Jul 5 2011, 04:36 PM)
haha.. been checking lowyat on props thread for 6 months..  going all around.. actually not much.. i think i went to see subsale condo.. around 3~4 condo only.. but subsale reli gila lately.. jacked up price till my mom nearly kenot recognize my face.. haha.. reli need job hopping ler.. if stay in a company.. if the company doesn't appreciate u.. at most u get increment <10%
u job hopping.. u can try ur luck by requesting 20% ++ [depend on how u talk]
*
why u keep aiming joe's company? got good offer from his company? hehe brows.gif

But, from joe's explanation on the flexi loan, it seems one does really save a lot in interest.
I found this:
http://forum.lowyat.net/topic/1554438

Will try to put in some actual figure to see how's the difference goes between flexi and traditional home loan.
Think i better calculate this properly first, else later spend times in hitting calculator again. doh.gif

CKHong
post Jul 5 2011, 04:44 PM

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QUOTE(kuhfayLover @ Jul 5 2011, 04:42 PM)
why u keep aiming joe's company? got good offer from his company? hehe brows.gif

But, from joe's explanation on the flexi loan, it seems one does really save a lot in interest.
I found this:
http://forum.lowyat.net/topic/1554438

Will try to put in some actual figure to see how's the difference goes between flexi and traditional home loan.
Think i better calculate this properly first, else later spend times in hitting calculator again.  doh.gif
*
lol.. i didn't mean joe company.. i mean other company.. lol
got good offer or not.. u have to ask ask joe gor gor zo.. yep.. flexi loan is veli nice smile.gif
kuhfayLover
post Jul 5 2011, 04:50 PM

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QUOTE(joeekh @ Jul 5 2011, 04:32 PM)
......
joeekh, so, if i didn't really utilized the purpose of flexi home loan(put in extra money in curr acc and take out anytime), the most only i will need to pay the loan as per normal monthly payment+ the rm10 maintenance fees? Am i correct to say that?
Wondering how come my friend keep saying "NO,NO,NO" to flexi home loan. hmm.gif
joeekh
post Jul 5 2011, 04:58 PM

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QUOTE(kuhfayLover @ Jul 5 2011, 04:50 PM)
joeekh, so, if i didn't really utilized the purpose of flexi home loan(put in extra money in curr acc and take out anytime), the most only i will need to pay the loan as per normal monthly payment+ the rm10 maintenance fees? Am i correct to say that?
Wondering how come my friend keep saying "NO,NO,NO" to flexi home loan.  hmm.gif
*
got 1 time setup fee of rm200 (some bank can waive, some will take that into ur acct, some treat as processing fees)...
normally waht ppl do is put in lump sump into acct n let it deduct..
or salary credit into the acct...
then each time wanna use money, tkae out from there..
bt danger of it..u overspend and become overdraft...
antichrist
post Jul 5 2011, 05:41 PM

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QUOTE(CKHong @ Jul 5 2011, 01:53 PM)
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 ?
*
due to this project still uncomplete, so monthly i have pay only interest to bank & not touching the principal loan.
CKHong
post Jul 5 2011, 05:43 PM

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QUOTE(antichrist @ Jul 5 2011, 05:41 PM)
due to this project still uncomplete, so monthly i have pay only interest to bank & not touching the principal loan.
*
yup correct.. u have to pay once the developer get the money from the bank phase to phase..
currently developer not yet claim any money yet(so i havent start to pay the interest).. but heard from lawyer firm.. said that this month or next month will claim the first 10%..
as they already finish the carpark ...

This post has been edited by CKHong: Jul 5 2011, 05:44 PM
antichrist
post Jul 5 2011, 06:00 PM

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QUOTE(CKHong @ Jul 5 2011, 05:43 PM)
yup correct.. u have to pay once the developer get the money from the bank phase to phase..
currently developer not yet claim any money yet(so i havent start to pay the interest).. but heard from lawyer firm.. said that this month or next month will claim the first 10%..
as they already finish the carpark ...
*
any idea roughly how much is the interest?
CKHong
post Jul 5 2011, 06:06 PM

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QUOTE(antichrist @ Jul 5 2011, 06:00 PM)
any idea roughly how much is the interest?
*
Depending how much the developer get from the bank

let say on July, they get 10% from the bank [i loan 414k from the bank]
41k developer claim from the bank
41k * 4.2% = 1722 per year / 12 month = 143 u have to pay per month


then let say on november.. they claim another 15%
62100... add with the previous 10% 41k = RM103100 (bank give them this much money)
103100 * 4.2% (let say BLR still in 6.6) = 4330 / 12 month = 360.85 monthly u have to pay starting november

and so on..
seanooi880327
post Jul 5 2011, 09:53 PM

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QUOTE(CKHong @ Jul 5 2011, 04:30 PM)
but if count in terms of psf.. 450k = 1200..  375 per square feet ler.. veli expensive..
oh oh i see for the red color above
last time was like.. 900++ square feet one.. 320~330k.. i don't have that much initial $$.. thats why i didnt buy.. initial payment is my only concern for that time being.. duwan borrow too much from parent.. veli paiseh one.. then let other sibling know.. scare they say also[which i dun think they will say la] ..  now... with the 5% discount early bird + taking out me and my gf kwsp account 2.. i can pay all the money back to my parent..
that makes me feel happy.. thou i'm very grateful for them to borrow me money initially..
wa wa.. i'm glad what u said above [red colour]
but then.. i think the jalan puchong will be much much more jammer.. kinrara mas road won't be that jam i think..
*
you are right, jalan puchong will be freaking jam after all the properties built up like Parklane, Tiara Mutiara, Sutera Maya, and Residence 8. Can you imagine the residents at that area.... Thats why im looking other area's properties instead of Kinrara. But, everywhere also jam...thats 100% sure!!!
joeekh
post Jul 5 2011, 09:56 PM

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QUOTE(seanooi880327 @ Jul 5 2011, 09:53 PM)
you are right, jalan puchong will be freaking jam after all the properties built up like Parklane, Tiara Mutiara, Sutera Maya, and Residence 8. Can you imagine the residents at that area.... Thats why im looking other area's properties instead of Kinrara. But, everywhere also jam...thats 100% sure!!!
*
as abang ufo say in other thread..
the 'ong'ness of kl place is determine by the 'jam'ness..
more jam = more ong..
biggrin.gif
cutealex
post Jul 5 2011, 10:06 PM

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QUOTE(joeekh @ Jul 5 2011, 09:56 PM)
as abang ufo say in other thread..
the 'ong'ness of kl place is determine by the 'jam'ness..
more jam = more ong..
biggrin.gif
*
hahaha... depend wat type of "jam"....
like the existing Kerinchi LRT building....now re-package to Bangsar Trader center...
Inside with 'existing LRT' + very jam nearby federal....also failed...

now they repackage and give a lot of free,then only selling FAST,but the retails shop response is so- so......
antichrist
post Jul 5 2011, 11:06 PM

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saw the site today, i can see the block B is building 2nd floor, but block A still building pillars!
seanooi880327
post Jul 5 2011, 11:48 PM

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QUOTE(joeekh @ Jul 5 2011, 09:56 PM)
as abang ufo say in other thread..
the 'ong'ness of kl place is determine by the 'jam'ness..
more jam = more ong..
biggrin.gif
*
yea..that's y u must love and hate in the same time to "jam"......
People are selfish, they want their place to be very ONG but hate jam very much..... blush.gif blush.gif
CKHong
post Jul 6 2011, 09:05 AM

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QUOTE(joeekh @ Jul 5 2011, 09:56 PM)
as abang ufo say in other thread..
the 'ong'ness of kl place is determine by the 'jam'ness..
more jam = more ong..
biggrin.gif
*
ckhong pressed *like


Added on July 6, 2011, 9:07 am
QUOTE(antichrist @ Jul 5 2011, 11:06 PM)
saw the site today, i can see the block B is building 2nd floor, but block A still building pillars!
*
ahh.. nasib baik.. i'm on block B HAHAHAH !!!
i think they build faster on block B than A bcos block B have 15th floor while block B have only 10
bro.. u always got pass by jalan puchong ka biggrin.gif

This post has been edited by CKHong: Jul 6 2011, 09:41 AM
joeekh
post Jul 6 2011, 10:41 AM

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QUOTE(CKHong @ Jul 6 2011, 09:05 AM)
ckhong pressed *like


Added on July 6, 2011, 9:07 am
ahh.. nasib baik.. i'm on block B  HAHAHAH !!!
i think they build faster on block B than A bcos block B have 15th floor while block B have only 10
bro.. u always got pass by jalan puchong ka  biggrin.gif
*
no need scared la..
once they start building liao..normally wont stop halfway de...
if they dint start build, then u can worry..like zen last time...

but still now u need pay more progressive interest...
antichrist
post Jul 6 2011, 11:03 AM

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QUOTE(CKHong @ Jul 6 2011, 09:05 AM)
ckhong pressed *like


Added on July 6, 2011, 9:07 am
ahh.. nasib baik.. i'm on block B  HAHAHAH !!!
i think they build faster on block B than A bcos block B have 15th floor while block B have only 10
bro.. u always got pass by jalan puchong ka  biggrin.gif
*
i'm actually staying nearby jalan puchong.so i'll pass by quite often.


Added on July 6, 2011, 11:06 am
QUOTE(joeekh @ Jul 6 2011, 10:41 AM)
no need scared la..
once they start building liao..normally wont stop halfway de...
if they dint start build, then u can worry..like zen last time...

but still now u need pay more progressive interest...
*
ya i agree, but not sure if u notice near Sunway PJCC, in front of that area there r 2 blocks of apartment been stop constructing for few years, the building have everything done even painted but no glass for for windows.now it left vacant for few years.

This post has been edited by antichrist: Jul 6 2011, 11:06 AM
CKHong
post Jul 6 2011, 11:08 AM

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QUOTE(antichrist @ Jul 6 2011, 11:03 AM)
i'm actually staying nearby jalan puchong.so i'll pass by quite often.


Added on July 6, 2011, 11:06 am

ya i agree, but not sure if u notice near Sunway PJCC, in front of that area there r 2 blocks of apartment been stop constructing for few years, the building have everything done even painted but no glass for for windows.now it left vacant for few years.
*
wooo ~~ do update here yeah.. once u see more and more floor is being build hehehehehe
oh yea.. anyway.. are u one of the buyer of sutera maya ?? or u just join us keng gai here ? smile.gif
kuhfayLover
post Jul 6 2011, 11:13 AM

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join urs keng gai only
joeekh
post Jul 6 2011, 11:17 AM

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QUOTE(antichrist @ Jul 6 2011, 11:03 AM)
ya i agree, but not sure if u notice near Sunway PJCC, in front of that area there r 2 blocks of apartment been stop constructing for few years, the building have everything done even painted but no glass for for windows.now it left vacant for few years.
*
there will always be risk when u buy something under con..
just thst some big company, u will have small risk and those small company, the risk higher...
but still u wont know what will happen...like talam..
u jz need to trust ur judgement..
CKHong
post Jul 6 2011, 11:19 AM

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QUOTE(kuhfayLover @ Jul 6 2011, 11:13 AM)
join urs keng gai only
*
wow.. you're antichrist ??

QUOTE(joeekh @ Jul 6 2011, 11:17 AM)
there will always be risk when u buy something under con..
just thst some big company, u will have small risk and those small company, the risk higher...
but still u wont know what will happen...like talam..
u  jz need to trust ur judgement..
*
yea.. sure got risk one.. thats why after u done betting.. and the props is built.. then it will have some capital appreciation..
that is bcos u put risk on the props.. and you deserve it.. smile.gif

This post has been edited by CKHong: Jul 6 2011, 11:20 AM
kuhfayLover
post Jul 6 2011, 11:21 AM

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QUOTE(CKHong @ Jul 6 2011, 11:19 AM)
wow.. you're antichrist ??
*
haha, funny u.
u think i so "wu liao"(too free) to create 2 accounts here ah.
I lepak here there to see if there is new property announcement. smile.gif
antichrist
post Jul 6 2011, 11:22 AM

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QUOTE(CKHong @ Jul 6 2011, 11:08 AM)
wooo ~~ do update here yeah.. once u see more and more floor is being build  hehehehehe
oh yea.. anyway.. are u one of the buyer of sutera maya ??  or u just join us keng gai here ?  smile.gif
*
if loan approved then i'll be ur neighbour in 2013..
u have any idea what is the income requirement for 2 person loan application?
CKHong
post Jul 6 2011, 11:24 AM

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QUOTE(kuhfayLover @ Jul 6 2011, 11:21 AM)
haha, funny u.
u think i so "wu liao"(too free) to create 2 accounts here ah.
I lepak here there to see if there is new property announcement.  smile.gif
*
lol.. cus i'm asking antichrist.. then u answer me " just keng gai here tongue.gif i tot u're him
wahhahaha.. paiseh..
antichrist
post Jul 6 2011, 11:35 AM

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does anyone knows where does the nearest lrt station will extend to?
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post Jul 6 2011, 11:37 AM

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QUOTE(CKHong @ Jul 6 2011, 11:24 AM)
lol.. cus i'm asking antichrist.. then u answer me " just keng gai here  tongue.gif i tot u're him
wahhahaha.. paiseh..
*
u so wu liao..
i saw ur question my eye also need to open big big make sure i dint see wrong...
blink.gif
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post Jul 6 2011, 11:49 AM

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QUOTE(antichrist @ Jul 6 2011, 11:22 AM)
if loan approved then i'll be ur neighbour in 2013..
u have any idea what is the income requirement for 2 person loan application?
*
woo nice one bro smile.gif
which block and unit ? mind to share ? Hehehe..
income requirement ah.. i think 2 ppl add up got 4k~5k like tat sufficient zo.. with no other installment need to pay eg car etc etc
i think u can get the info from bankers... they're more clear about it smile.gif
and for the nearest lrt.. i think some said that.. near the kinrara mas there.. will have one...
and another one will be at the z res nearby.. that will be putra line if not mistaken.. as for the mrt.. dun think will pass by near our place

QUOTE(joeekh @ Jul 6 2011, 11:37 AM)
u so wu liao..
i saw ur question my eye also need to open big big make sure i dint see wrong...
blink.gif
*
wawa cham.. i make bro joee blur zo.. soli for my pro english.. sad.gif

This post has been edited by CKHong: Jul 6 2011, 11:51 AM
kuhfayLover
post Jul 6 2011, 12:02 PM

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Ur “wu liao ness" is nothing to do with ur english. smile.gif
joeekh
post Jul 6 2011, 12:04 PM

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QUOTE(kuhfayLover @ Jul 6 2011, 12:02 PM)
Ur “wu liao ness" is nothing to do with ur english. smile.gif
*
agreed agreed..
the more i read..the more i blur...
blink.gif
kuhfayLover
post Jul 6 2011, 12:06 PM

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QUOTE(joeekh @ Jul 6 2011, 12:04 PM)
agreed agreed..
the more i read..the more i blur...
blink.gif
*
you 2 are having gap, communication gap perhaps, or ...generation gap. sweat.gif
CKHong
post Jul 6 2011, 12:07 PM

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QUOTE(kuhfayLover @ Jul 6 2011, 12:06 PM)
you 2 are having gap, communication gap perhaps, or ...generation gap.  sweat.gif
*
i thought my age is around the same with joe bro ? as he said.. he is <30 wah.. so am i
antichrist
post Jul 6 2011, 12:08 PM

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QUOTE(CKHong @ Jul 6 2011, 11:49 AM)
woo nice one bro  smile.gif
which block and unit ? mind to share ? Hehehe..
income requirement ah.. i think 2 ppl add up got 4k~5k like tat sufficient zo.. with no other installment need to pay eg car etc etc
i think u can get the info from bankers... they're more clear about it  smile.gif
and for the nearest lrt.. i think some said that.. near the kinrara mas there.. will have one...
and another one will be at the z res nearby.. that will be putra line if not mistaken.. as for the mrt.. dun think will pass by near our place
wawa cham.. i make bro joee blur zo..  soli for my pro english..  sad.gif
*
i'm taking black A, but the banker still have yet contact me for docs for application.
but so far i still have car loan though.

joeekh
post Jul 6 2011, 12:11 PM

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QUOTE(CKHong @ Jul 6 2011, 12:07 PM)
i thought my age is around the same with joe bro ? as he said.. he is <30 wah.. so am i
*
wu liao ness & blurness can happen anywhere...

kuhfayLover
post Jul 6 2011, 12:16 PM

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QUOTE(CKHong @ Jul 6 2011, 12:07 PM)
i thought my age is around the same with joe bro ? as he said.. he is <30 wah.. so am i
*
so young u all. sad.gif
cutealex
post Jul 6 2011, 12:16 PM

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QUOTE(CKHong @ Jul 6 2011, 12:07 PM)
i thought my age is around the same with joe bro ? as he said.. he is <30 wah.. so am i
*
You same age? or Same 80's?

i younger than Jooekh korr... but me still work as cheap 'kuli' labour but Joe is taikor businessman in Bkt.Jalil (coming soon)..


Added on July 6, 2011, 12:17 pm
QUOTE(kuhfayLover @ Jul 6 2011, 12:16 PM)
so young u all.  sad.gif
*
then how old are you ? Age = 33 <x < 36?

This post has been edited by cutealex: Jul 6 2011, 12:17 PM
seanooi880327
post Jul 6 2011, 12:26 PM

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btw, do this sutera maya have show unit? i pass by everyday but the sales room like very small only....even Parklane 1 more pro than this./...hee
joeekh
post Jul 6 2011, 12:27 PM

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QUOTE(cutealex @ Jul 6 2011, 12:16 PM)
i younger than Jooekh korr... but me still work as cheap 'kuli' labour but Joe is taikor businessman in Bkt.Jalil (coming soon)..
u....put....me...on....table...again......
me...jz...a....small....fly.....
cutealex
post Jul 6 2011, 12:30 PM

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QUOTE(joeekh @ Jul 6 2011, 12:27 PM)
u....put....me...on....table...again......
me...jz...a....small....fly.....
*
use back your words...

"aiya....dont be so calculative lah"...

wahahah rclxm9.gif count down 2 days for ur SnP ... how CC application news? credit limit?
joeekh
post Jul 6 2011, 12:34 PM

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QUOTE(seanooi880327 @ Jul 6 2011, 12:26 PM)
btw, do this sutera maya have show unit? i pass by everyday but the sales room like very small only....even Parklane 1 more pro than this./...hee
*
elek...
boh...
talak...
CKHong
post Jul 6 2011, 12:35 PM

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QUOTE(antichrist @ Jul 6 2011, 12:08 PM)
i'm taking black A, but the banker still have yet contact me for docs for application.
but so far i still have car loan though.
*
be sure that you apply all 3 banks yea
public, hsbc and ocbc
smile.gif
if u want banker.. i got a friend do public bank one.. my loan she handle one.. if u need then pm me.. can give u details


Added on July 6, 2011, 12:36 pm
QUOTE(cutealex @ Jul 6 2011, 12:16 PM)
You same age? or Same 80's?

i younger than Jooekh korr... but me still work as cheap 'kuli' labour but Joe is taikor businessman in Bkt.Jalil (coming soon)..


Added on July 6, 2011, 12:17 pm
then how old are you ?  Age = 33 <x < 36?
*
85 to be exact.. smile.gif ahah.. u all also keeping seecret bout the age..


Added on July 6, 2011, 12:37 pm
QUOTE(seanooi880327 @ Jul 6 2011, 12:26 PM)
btw, do this sutera maya have show unit? i pass by everyday but the sales room like very small only....even Parklane 1 more pro than this./...hee
*
haha.. developer didnt even want to use money to do advertisement, show house and everything..
thats why i'm able to grab a unit here.. if not ah.. sure fully sold.. this and that..

This post has been edited by CKHong: Jul 6 2011, 12:37 PM
seanooi880327
post Jul 6 2011, 12:38 PM

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QUOTE(joeekh @ Jul 6 2011, 12:34 PM)
elek...
boh...
talak...
*
ermmmm....what this mean? so sorry, i not really understand... hmm.gif hmm.gif
CKHong
post Jul 6 2011, 12:47 PM

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QUOTE(seanooi880327 @ Jul 6 2011, 12:38 PM)
ermmmm....what this mean? so sorry, i not really understand... hmm.gif  hmm.gif
*
means don't have show house
elek - indian word means dun have
tarak - modified malay word tak ada
boh - hokkein means dun have

This post has been edited by CKHong: Jul 6 2011, 12:47 PM
seanooi880327
post Jul 6 2011, 12:48 PM

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QUOTE(CKHong @ Jul 6 2011, 12:47 PM)
means don't have show house
elek - indian word means dun have
tarak - modified malay word tak ada
boh - hokkein means dun have
*
haha....get it....

like that i dun see any gap btw u and joeekh....LOL...
joeekh
post Jul 6 2011, 01:01 PM

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QUOTE(seanooi880327 @ Jul 6 2011, 12:48 PM)
like that i dun see any gap btw u and joeekh....LOL...
*
aiyaa....
suppossingly all 1malaysia also knw that language de...
unless u 'swim'...
biggrin.gif
CKHong
post Jul 6 2011, 01:05 PM

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QUOTE(joeekh @ Jul 6 2011, 01:01 PM)
aiyaa....
suppossingly all 1malaysia also knw that language de...
unless u 'swim'...
biggrin.gif
*
yealo.. 1 malaysia shud know that language.. but 'boh' a bit hard for non hokkien ppl know.. hehe..
joeekh
post Jul 6 2011, 01:14 PM

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QUOTE(CKHong @ Jul 6 2011, 01:05 PM)
yealo.. 1 malaysia shud know that language..  but 'boh' a bit hard for non hokkien ppl know..  hehe..
*
wa boh si hokkien lang...
kuhfayLover
post Jul 6 2011, 01:16 PM

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QUOTE(cutealex @ Jul 6 2011, 12:16 PM)
then how old are you ?  Age = 33 <x < 36?
*
Dont u know age is always a secret for a lady? blush.gif


Added on July 6, 2011, 1:17 pm
QUOTE(CKHong @ Jul 6 2011, 12:35 PM)
be sure that you apply all 3 banks yea
public, hsbc and ocbc
smile.gif
these 3 having good deal?


This post has been edited by kuhfayLover: Jul 6 2011, 01:17 PM
cutealex
post Jul 6 2011, 01:23 PM

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QUOTE(kuhfayLover @ Jul 6 2011, 01:16 PM)
Dont u know age is always a secret for a lady?  blush.gif
ha? i didn't aware you are lady...i tot you are gentle...

errmm... btw the way.. are you still lady or WOMAN already?

are LYN forumers still got chance here? brows.gif you buy Sutera Maya which unit?
joeekh
post Jul 6 2011, 01:27 PM

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QUOTE(cutealex @ Jul 6 2011, 01:23 PM)
ha? i didn't aware you are lady...i tot you are gentle...

errmm... btw the way.. are you still lady or WOMAN already?

are LYN forumers still got chance here? brows.gif you buy Sutera Maya which unit?
*
taikoon alex making move liao...
on ladies.....
thumbup.gif
kuhfayLover
post Jul 6 2011, 01:31 PM

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QUOTE(cutealex @ Jul 6 2011, 01:23 PM)
ha? i didn't aware you are lady...i tot you are gentle...

errmm... btw the way.. are you still lady or WOMAN already?

are LYN forumers still got chance here? brows.gif you buy Sutera Maya which unit?
*
shakehead.gif from where that make u think that i'm a gentle?
No, i'm not a Sutera Maya buyer, just happened to see some post which relate to flexihome posted by joe here, then i came.
seanooi880327
post Jul 6 2011, 02:14 PM

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QUOTE(joeekh @ Jul 6 2011, 01:01 PM)
aiyaa....
suppossingly all 1malaysia also knw that language de...
unless u 'swim'...
biggrin.gif
*
hahaha...im not swim la...maybe too young to understand...


QUOTE(CKHong @ Jul 6 2011, 01:05 PM)
yealo.. 1 malaysia shud know that language..  but 'boh' a bit hard for non hokkien ppl know..  hehe..
*
too bad im hokkien lang but dunno speak hokkien...
CKHong
post Jul 6 2011, 03:17 PM

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QUOTE(kuhfayLover @ Jul 6 2011, 01:16 PM)
Dont u know age is always a secret for a lady?  blush.gif


Added on July 6, 2011, 1:17 pm

these 3 having good deal?
*
as i know.. sutera maya project only have this 3 bank as panel.. not really good deal..
i think now all also the same deal lur.. BLR - 2.4
cannot find any banks offer > 2.4 whole tenure..
advantages diff is just either no lock in period or -2.5 for the first year
kuhfayLover
post Jul 6 2011, 03:25 PM

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QUOTE(CKHong @ Jul 6 2011, 03:17 PM)
as i know.. sutera maya project only have this 3 bank as panel.. not really good deal..
i think now all also  the same deal lur..    BLR - 2.4
cannot find any banks offer > 2.4 whole tenure..
advantages diff is just either no lock in period or -2.5 for the first year
*
whats means of lock in period?
CKHong
post Jul 6 2011, 03:30 PM

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QUOTE(kuhfayLover @ Jul 6 2011, 03:25 PM)
whats means of lock in period?
*
3 years lock in period..
within 3 years u cannot do refinance/sell ur props..
if u do that.. bank will charge u.. ehh.. forgot how many %.. macam is 2% of the loan u apply
kuhfayLover
post Jul 6 2011, 03:33 PM

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QUOTE(CKHong @ Jul 6 2011, 03:30 PM)
3 years lock in period..
within 3 years u cannot do refinance/sell ur props..
if u do that.. bank will charge u.. ehh.. forgot how many %.. macam is 2% of the loan u apply
*
it's calculate from the unit completion date? or start from the day u sign off s&p?
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post Jul 6 2011, 03:35 PM

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QUOTE(kuhfayLover @ Jul 6 2011, 03:33 PM)
it's calculate from the unit completion date? or start from the day u sign off s&p?
*
this one u have to see ur loan offer
if it stated : from the first draw down
means the developer claim the first 10% from the bank.. it start to count 3 years from there
if it stated : full draw down
means that developer claim 100% from the bank.. it start to count 3 years from there smile.gif
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post Jul 6 2011, 03:35 PM

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QUOTE(kuhfayLover @ Jul 6 2011, 03:33 PM)
it's calculate from the unit completion date? or start from the day u sign off s&p?
*
depend on bank..
some bank will start calculate from the day they release money to developer
some bank will calculate from the day developer take 100% of loan amt..


Added on July 6, 2011, 3:36 pm
QUOTE(CKHong @ Jul 6 2011, 03:35 PM)
this one u have to see ur loan offer
if it stated  :  from the first draw down
means the developer claim the first 10% from the bank.. it start to count 3 years from there
if it stated : full draw down
means that developer claim 100% from the bank.. it start to count 3 years from there  smile.gif
*
wahhhh
abang hong..
macam banker liao...
can apply post in bank liao..
biggrin.gif

This post has been edited by joeekh: Jul 6 2011, 03:36 PM
CKHong
post Jul 6 2011, 03:42 PM

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QUOTE(joeekh @ Jul 6 2011, 03:35 PM)
depend on bank..
some bank will start calculate from the day they release money to developer
some bank will calculate from the day developer take 100% of loan amt..


Added on July 6, 2011, 3:36 pm
wahhhh
abang hong..
macam banker liao...
can apply post in bank liao..
biggrin.gif
*
hahaha.. first time purchase house ma..
i'm a worried person.. i check this and that..
till banker + lawyer + agent see me also scare zo.. somemore got some friend give me some hint.. and lowyat forum here.. all sifu sifu sekalian giving me some tips..
thats why i know lil bit lur..

This post has been edited by CKHong: Jul 6 2011, 03:43 PM
cutealex
post Jul 6 2011, 03:46 PM

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QUOTE(CKHong @ Jul 6 2011, 03:35 PM)
this one u have to see ur loan offer
if it stated  :  from the first draw down
means the developer claim the first 10% from the bank.. it start to count 3 years from there
if it stated : full draw down
means that developer claim 100% from the bank.. it start to count 3 years from there  smile.gif
*
add on - One bank able to offer the locking period start calculate from Date of Offer letter but not depend on 1st/Full disbursement date (drawn down date) brows.gif
kuhfayLover
post Jul 6 2011, 03:48 PM

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QUOTE(joeekh @ Jul 6 2011, 03:35 PM)
wahhhh
abang hong..
macam banker liao...
can apply post in bank liao..
biggrin.gif
*
yalo, i also feeling he sounds expert now.
Explanation is so detail ! CKHong, thumbup.gif Thanks! smile.gif
CKHong
post Jul 6 2011, 03:49 PM

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QUOTE(cutealex @ Jul 6 2011, 03:46 PM)
add on - One bank able to offer the locking period start calculate from Date of Offer letter but not depend on 1st/Full disbursement date (drawn down date)  brows.gif
*
wow.. new for me.. thx..
QUOTE(kuhfayLover @ Jul 6 2011, 03:48 PM)
yalo, i also feeling he sounds expert now.
Explanation is so detail !  CKHong,  thumbup.gif Thanks!  smile.gif
*
other explain to me.. i now try to explain back nie.. gua tarak expert la hahaha..

This post has been edited by CKHong: Jul 6 2011, 03:53 PM
kuhfayLover
post Jul 6 2011, 03:55 PM

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QUOTE(CKHong @ Jul 6 2011, 03:49 PM)
wow.. new for me.. thx..

other explain to me.. i now try to explain back nie.. gua tarak expert la hahaha..
*
I'm also a worried person, that's why now on ur steps, checking A till Z. wink.gif
cutealex
post Jul 6 2011, 03:55 PM

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QUOTE(kuhfayLover @ Jul 6 2011, 03:48 PM)
yalo, i also feeling he sounds expert now.
Explanation is so detail !  CKHong,  thumbup.gif Thanks!  smile.gif
*
Ya....i'm impress too

CKHong = Property Expert
Jooekh = Property Taikor

rclxms.gif rclxms.gif
CKHong
post Jul 6 2011, 03:57 PM

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QUOTE(cutealex @ Jul 6 2011, 03:55 PM)
Ya....i'm impress too

CKHong = Property Expert
Jooekh = Property Taikor
cutealex = tycoon (wu lui lang)

rclxms.gif  rclxms.gif
*
added
joeekh
post Jul 6 2011, 04:06 PM

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QUOTE(cutealex @ Jul 6 2011, 03:55 PM)
Ya....i'm impress too

CKHong = Property Expert
Jooekh = Property Taikor
cutealex = tycoon (wu lui lang)

rclxms.gif  rclxms.gif
*
agree agree...
alex is more than taikor...
he is taikoon...
expert in all expertise...
anything u dunno abt property, u can ask him and he can answer....
notworthy.gif icon_rolleyes.gif
antichrist
post Jul 6 2011, 04:12 PM

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QUOTE(seanooi880327 @ Jul 6 2011, 12:38 PM)
ermmmm....what this mean? so sorry, i not really understand... hmm.gif  hmm.gif
*
indian=elek
boh=chinese hokkien
talak=chinese slang BM

but above all means no


Added on July 6, 2011, 8:04 pmanyone sign spa??

This post has been edited by antichrist: Jul 6 2011, 08:04 PM
joeekh
post Jul 7 2011, 01:31 AM

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QUOTE(antichrist @ Jul 6 2011, 04:12 PM)
]anyone sign spa??
shud ask abang hong...
think he sign liao...
rite abg hong..?


Added on July 7, 2011, 1:34 ammana la abg hong n abg alex...
damn sienz....no ppl reply....

This post has been edited by joeekh: Jul 7 2011, 01:34 AM
CKHong
post Jul 7 2011, 08:23 AM

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QUOTE(joeekh @ Jul 7 2011, 01:31 AM)
shud ask abang hong...
think he sign liao...
rite abg hong..?


Added on July 7, 2011, 1:34 ammana la abg hong n abg alex...
damn sienz....no ppl reply....
*
lol.. i signed.. but my home/company.. dun have scanner..
so dun think i can help abang antichrist

This post has been edited by CKHong: Jul 7 2011, 08:23 AM
kuhfayLover
post Jul 7 2011, 09:06 AM

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What is SPA?
CKHong
post Jul 7 2011, 09:25 AM

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QUOTE(kuhfayLover @ Jul 7 2011, 09:06 AM)
What is SPA?
*
sales and purchase agreement..
kuhfayLover
post Jul 7 2011, 09:33 AM

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oh...some ppls use 'S&P'...so many terms...
thx smile.gif
joeekh
post Jul 7 2011, 09:41 AM

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QUOTE(kuhfayLover @ Jul 7 2011, 09:33 AM)
oh...some ppls use 'S&P'...so many terms...
thx smile.gif
*
that y i say abang hong expert liao now..
apa apa pun tau...
tongue.gif
CKHong
post Jul 7 2011, 09:42 AM

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QUOTE(kuhfayLover @ Jul 7 2011, 09:33 AM)
oh...some ppls use 'S&P'...so many terms...
thx smile.gif
*
yeah.. previously i'm using SNP as well.. then saw other said SPA.. then i ma ask like a noob lur.. wah nasib baik sifu sifu in lowyat so helpful tell me..
i noob as well leh bro joeeeeeee..
kuhfayLover
post Jul 7 2011, 09:57 AM

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QUOTE(CKHong @ Jul 7 2011, 09:42 AM)
yeah.. previously i'm using SNP as well.. then saw other said SPA.. then i ma ask like a noob lur.. wah nasib baik sifu sifu in lowyat so helpful tell me..
i noob as well leh bro joeeeeeee..
*
next time i will tell others new ppl in ur way too : "sifu sifu in lowyat so helpful to tell me", where this sifu is u. smile.gif
joeekh
post Jul 7 2011, 10:06 AM

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QUOTE(kuhfayLover @ Jul 7 2011, 09:57 AM)
next time i will tell others new ppl in ur way too : "sifu sifu in lowyat so helpful to tell me", where this sifu is u. smile.gif
*
true true...
he is sifu..
jz he donwan admit nia...
CKHong
post Jul 7 2011, 10:10 AM

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QUOTE(kuhfayLover @ Jul 7 2011, 09:57 AM)
next time i will tell others new ppl in ur way too : "sifu sifu in lowyat so helpful to tell me", where this sifu is u. smile.gif
*
QUOTE(joeekh @ Jul 7 2011, 10:06 AM)
true true...
he is sifu..
jz he donwan admit nia...
*
omg.. all put me on table.. why dun we move back putting joe dai lou to the table..

This post has been edited by CKHong: Jul 7 2011, 10:11 AM
kuhfayLover
post Jul 7 2011, 10:11 AM

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QUOTE(kuhfayLover @ Jul 7 2011, 09:57 AM)
next time i will tell others new ppl in ur way too : "sifu sifu in lowyat so helpful to tell me", where this sifu is u. smile.gif
*
QUOTE(joeekh @ Jul 7 2011, 10:06 AM)
true true...
he is sifu..
jz he donwan admit nia...
*
u 2 dun pushing la, u also sifu what.
don't u see my sentence got 2 sifu? another one is referring u.smile.gif

joeekh
post Jul 7 2011, 02:06 PM

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QUOTE(kuhfayLover @ Jul 7 2011, 10:11 AM)
u 2 dun pushing la, u also sifu what.
don't u see my sentence got 2 sifu? another one is referring u.smile.gif
*
yaya..
sifu is abg hong...
anything can ask him...
cutealex
post Jul 7 2011, 02:39 PM

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QUOTE(kuhfayLover @ Jul 7 2011, 10:11 AM)
u 2 dun pushing la, u also sifu what.
don't u see my sentence got 2 sifu? another one is referring u.smile.gif
*
2 sifu = Abng Hong & Joeekh korrr...

me and kuhfayLover are small potates, noob & newbie...

btw, semakin miss Kuhfaylower already wub.gif

This post has been edited by cutealex: Jul 7 2011, 02:41 PM
joeekh
post Jul 7 2011, 02:45 PM

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QUOTE(cutealex @ Jul 7 2011, 02:39 PM)
2 sifu = Abng Hong & Joeekh korrr...

me and kuhfayLover are small potates, noob & newbie...

btw, semakin miss Kuhfaylower already  wub.gif
*
alex...
u dont jia jia...
u the big taikoon here ok...i jz small fly..

btw..alex fat hao liao...
kuhfayLover
post Jul 7 2011, 02:51 PM

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QUOTE(cutealex @ Jul 7 2011, 02:39 PM)
2 sifu = Abng Hong & Joeekh korrr...

me and kuhfayLover are small potates, noob & newbie...

btw, semakin miss Kuhfaylower already  wub.gif
*
excuse me! don't "pull me into water".
I'm far far behind u this expert, i'm really a newbie.

CKHong
post Jul 7 2011, 03:27 PM

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QUOTE(cutealex @ Jul 7 2011, 02:39 PM)
2 sifu = Abng Hong & Joeekh korrr...

me and kuhfayLover are small potates, noob & newbie...

btw, semakin miss Kuhfaylower already  wub.gif
*
let him know u're a female... habis.. kful.. tongue.gif
kuhfayLover
post Jul 7 2011, 03:52 PM

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QUOTE(CKHong @ Jul 7 2011, 03:27 PM)
let him know u're a female... habis.. kful..  tongue.gif
*
u never warn me. sweat.gif
joeekh
post Jul 7 2011, 03:54 PM

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QUOTE(kuhfayLover @ Jul 7 2011, 03:52 PM)
u never warn me.  sweat.gif
*
gone la...gone la..
he will stalk u from now on..
wahahhaha..
abang alex..jk only nia..
biggrin.gif
CKHong
post Jul 7 2011, 03:55 PM

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QUOTE(kuhfayLover @ Jul 7 2011, 03:52 PM)
u never warn me.  sweat.gif
*
lol.. i didnt know geh.. u're the first ppl who kena tongue.gif
but nvm la.. alex is a tycoon.. smile.gif mana tau he suka suka.. bank in some $$.. wah shok~
haih too bad i'm a batang.. sad.gif
joeekh
post Jul 7 2011, 03:59 PM

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QUOTE(kuhfayLover @ Jul 7 2011, 03:52 PM)
u never warn me.  sweat.gif
*
btw..kuhfaylover..u still single mou...??
biggrin.gif
kuhfayLover
post Jul 7 2011, 04:00 PM

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QUOTE(joeekh @ Jul 7 2011, 03:59 PM)
btw..kuhfaylover..u still single mou...??
biggrin.gif
*
No, no, i'm not. Married with 2 kids. smile.gif
seanooi880327
post Jul 7 2011, 04:13 PM

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QUOTE(kuhfayLover @ Jul 7 2011, 04:00 PM)
No, no, i'm not. Married with 2 kids. smile.gif
*
rclxms.gif rclxms.gif rclxms.gif

both bro joeekh and cutaalex must be sad now....
joeekh
post Jul 7 2011, 04:17 PM

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QUOTE(seanooi880327 @ Jul 7 2011, 04:13 PM)
rclxms.gif  rclxms.gif  rclxms.gif

both bro joeekh and cutaalex must be sad now....
*
lol....
i jz helping abang alex...
since kuhfaylover donwan entertain him...
biggrin.gif
kuhfayLover
post Jul 7 2011, 04:19 PM

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QUOTE(joeekh @ Jul 7 2011, 04:17 PM)
lol....
i jz helping abang alex...
since kuhfaylover donwan entertain him...
biggrin.gif
*
u sounds like cutealex is a color wolf like dat, who dare to entertain him?! icon_question.gif

seanooi880327
post Jul 7 2011, 04:23 PM

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QUOTE(joeekh @ Jul 7 2011, 04:17 PM)
lol....
i jz helping abang alex...
since kuhfaylover donwan entertain him...
biggrin.gif
*
hahaha, start to put cutalex on table liao... biggrin.gif
joeekh
post Jul 7 2011, 04:24 PM

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QUOTE(kuhfayLover @ Jul 7 2011, 04:19 PM)
u sounds like cutealex is a color wolf like dat, who dare to entertain him?! icon_question.gif
*
yuin wong ah....
die lor...
alex kor sure kill me....
he sure give me tips buy the jialat property....
cry.gif
kuhfayLover
post Jul 7 2011, 04:28 PM

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QUOTE(joeekh @ Jul 7 2011, 04:24 PM)
yuin wong ah....
die lor...
alex kor sure kill me....
he sure give me tips buy the jialat property....
cry.gif
*
u fast fast find a gal for him, sure he will sayang u back one.

joeekh
post Jul 7 2011, 04:35 PM

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QUOTE(kuhfayLover @ Jul 7 2011, 04:28 PM)
u fast fast find a gal for him, sure he will sayang u back one.
*
u got any niece ker or sister..
between 25-27..
then can intro to him...
biggrin.gif

see see alex..
i help u 1..
dont gimme the jialat tips...

kuhfayLover
post Jul 7 2011, 04:37 PM

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QUOTE(joeekh @ Jul 7 2011, 04:35 PM)
u got any niece ker or sister..
between 25-27..
then can intro to him...
biggrin.gif

see see alex..
i help u 1..
dont gimme the jialat tips...
*
but u saying him like a color wolf, still want intro my niece/sister?! shocking.gif
(pushing u into the water deep deep this time rclxms.gif )
cutealex
post Jul 7 2011, 04:47 PM

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no worry.. i am cute cute...

suddenly feel that all thread related to Bkt jalil, OKR and this thread become chui sui thread...

Y? becos our taikor Jooekh take control and become Taikor on these area...then we joiin join to chui sui together smile.gif


kuhfayLover
post Jul 7 2011, 04:49 PM

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hm, i feel that too, totally out of topic.
CKHong
post Jul 7 2011, 04:50 PM

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yea.. off topic too much zo.. hmm...
potential sutera maya buyers.. got any question ask here ah.. i will try my best to assist u... ~~~~~
kuhfayLover
post Jul 7 2011, 04:52 PM

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joeekh, why do u need the tips from alexcute? because u r a property agent? or u r a property investor?
joeekh
post Jul 7 2011, 04:53 PM

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


Added on July 7, 2011, 4:57 pm
QUOTE(kuhfayLover @ Jul 7 2011, 04:52 PM)
joeekh, why do u need the tips from alexcute? because u r a property agent? or u r a property investor?
*
coz 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..
biggrin.gif

This post has been edited by joeekh: Jul 7 2011, 04:57 PM
kuhfayLover
post Jul 7 2011, 05:01 PM

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QUOTE(joeekh @ Jul 7 2011, 04:53 PM)
all ppl put me on table...
goood....
btw alex...z res thread is bored without u..
today ur last day of boikot...


Added on July 7, 2011, 4:57 pm
coz 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..
biggrin.gif
*
oh, richnya...he printing notes keh
seanooi880327
post Jul 7 2011, 05:36 PM

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QUOTE(kuhfayLover @ Jul 7 2011, 05:01 PM)
oh, richnya...he printing notes keh
*
he might work in Bank Negara... smile.gif

cutealex
post Jul 7 2011, 06:40 PM

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QUOTE(joeekh @ Jul 7 2011, 04:53 PM)
all ppl put me on table...
goood....
btw alex...z res thread is bored without u..
today ur last day of boikot...


Added on July 7, 2011, 4:57 pm
coz 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..
biggrin.gif
*
yo... cover for JB & Sabah too...
kuhfayLover
post Jul 8 2011, 03:01 PM

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i saw ppl releasing parklane oug unit, what do u guys think on that?
worth to buy for investing?
seanooi880327
post Jul 8 2011, 03:02 PM

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density too high....4000+ units

This post has been edited by seanooi880327: Jul 8 2011, 03:04 PM
kuhfayLover
post Jul 8 2011, 03:14 PM

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but that's really cheap...less than 300k.
CKHong
post Jul 8 2011, 03:15 PM

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QUOTE(kuhfayLover @ Jul 8 2011, 03:01 PM)
i saw ppl releasing parklane oug unit, what do u guys think on that?
worth to buy for investing?
*
macam pasar malam.. everyone also trying to flip before signing snp..
><"
density too high.. management will be very challenging.. need to manage that many unit..
QUOTE(kuhfayLover @ Jul 8 2011, 03:14 PM)
but that's really cheap...less than 300k.
*
not all less than 300k..some i saw 32xk plus top up plus 3k booking fee's
need to find phase 1.. then only got below 300k

This post has been edited by CKHong: Jul 8 2011, 03:16 PM
seanooi880327
post Jul 8 2011, 03:16 PM

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QUOTE(kuhfayLover @ Jul 8 2011, 03:14 PM)
but that's really cheap...less than 300k.
*
yup, in terms of price, quite cheap....summore include air-cond, built in wardrobe, kitchen cabinet..bla bla bla...
heard that their previous completed project at kuchai lama built quality not that good...
For me i don't like that place although quite convenience access to highway and future LRT nearby...

Try ask other tai kor opinion here like cutalex or joeekh... biggrin.gif

This post has been edited by seanooi880327: Jul 8 2011, 03:17 PM
kuhfayLover
post Jul 8 2011, 03:17 PM

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QUOTE(CKHong @ Jul 8 2011, 03:15 PM)
macam pasar malam.. everyone also trying to flip before signing snp..
><"
density too high.. management will be very challenging.. need to manage that many unit..

not all less than 300k..some i saw 32xk plus top up plus 3k booking fee's
need to find phase 1.. then only got below 300k
*
can one release it anytime before singning s&p?
so call release, is there any charges incurred? sifu2. smile.gif


Added on July 8, 2011, 3:21 pm
QUOTE(seanooi880327 @ Jul 8 2011, 03:16 PM)
yup, in terms of price, quite cheap....summore include air-cond, built in wardrobe, kitchen cabinet..bla bla bla...
heard that their previous completed project at kuchai lama built quality not that good...
For me i don't like that place although quite convenience access to highway and future LRT nearby...

Try ask other tai kor opinion here like cutalex or joeekh... biggrin.gif
*
Ya,plus all the built in furniture, it's really did attracted ppl.
Sure will ask the 2 sifu, and u, senior too. smile.gif




This post has been edited by kuhfayLover: Jul 8 2011, 03:21 PM
CKHong
post Jul 8 2011, 05:20 PM

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QUOTE(kuhfayLover @ Jul 8 2011, 03:17 PM)
can one release it anytime before singning s&p?
so call release, is there any charges incurred? sifu2. smile.gif


Added on July 8, 2011, 3:21 pm

Ya,plus all the built in furniture, it's really did attracted ppl.
Sure will ask the 2 sifu, and u, senior too. smile.gif
*
depend on the developer.. if developer didnt stated any rules, then they can flip and request for some top up
like the z residence, trinity stated : if u release the unit, u can only release back to developer. Cannot change name etc etc [to curbed properties flipping]
for our parklane.. the developer did not state any rules. So they can flip and change name before signing snp
sifu sifu sekalian.. am i correct ?
seanooi880327
post Jul 8 2011, 05:28 PM

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QUOTE(CKHong @ Jul 8 2011, 05:20 PM)
depend on the developer.. if developer didnt stated any rules, then they can flip and request for some top up
like the z residence, trinity stated : if u release the unit, u can only release back to developer. Cannot change name etc etc [to curbed properties flipping]
for our parklane.. the developer did not state any rules. So they can flip and change name before signing snp
sifu sifu sekalian.. am i correct ?
*
I'm not sifu but i think u kinda correct. Cos i saw many of ppl did that without any problem.
My friend is one of the success flipper and he earn 7k for extra top up for just paid 3 k for booking...
easy money....

so, i think other developer may state the rules that not allow to flip or will charge penalty like that,,,
joeekh
post Jul 8 2011, 11:34 PM

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QUOTE(CKHong @ Jul 8 2011, 05:20 PM)
depend on the developer.. if developer didnt stated any rules, then they can flip and request for some top up
like the z residence, trinity stated : if u release the unit, u can only release back to developer. Cannot change name etc etc [to curbed properties flipping]
for our parklane.. the developer did not state any rules. So they can flip and change name before signing snp
sifu sifu sekalian.. am i correct ?
*
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..
kuhfayLover
post Jul 10 2011, 12:23 PM

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QUOTE(seanooi880327 @ Jul 8 2011, 05:28 PM)
I'm not sifu but i think u kinda correct. Cos i saw many of ppl did that without any problem.
My friend is one of the success flipper and he earn 7k for extra top up for just paid 3 k for booking...
easy money....

so, i think other developer may state the rules that not allow to flip or will charge penalty like that,,,
*
Easy money? That's only true if u able to sell it out. Else..... sweat.gif


Added on July 10, 2011, 12:26 pm
QUOTE(joeekh @ Jul 8 2011, 11:34 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..
*
Woo, seems all having negative comments.
The size and price are very suit me. Actually the price is really attractive lo, phase 1 <300K.
But, after hearing all u guys' comments..... rclxub.gif

This post has been edited by kuhfayLover: Jul 10 2011, 09:25 PM
antichrist
post Jul 10 2011, 12:52 PM

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QUOTE(kuhfayLover @ Jul 10 2011, 12:23 PM)
Easy money? That's only true if u able to sell it out. Else..... sweat.gif


Added on July 10, 2011, 12:26 pm

Woo, seems all having negative comments.
I actually looking for own stay, single, hence the size and price are very suit me. Actually the price is really attractive lo, phase 1 <300K.
But, after hearing all u guys' comments..... rclxub.gif
*
if u dont mind staying with tons of rental tenants, foreign workers, foreign students, such as african, indon & etc.
then u shd be alright. FYI, nearby Bukit OUG condo, when i went & visit my cousin there, it were plenty of african sitting & lepak ard the lift, then when i went to take my car, & saw plenty of indons walking ard.
joeekh
post Jul 10 2011, 08:23 PM

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QUOTE(antichrist @ Jul 10 2011, 12:52 PM)
if u dont mind staying with tons of rental tenants, foreign workers, foreign students, such as african, indon & etc.
then u shd be alright. FYI, nearby Bukit OUG condo, when i went & visit my cousin there, it were plenty of african sitting & lepak ard the lift, then when i went to take my car, & saw plenty of indons walking ard.
*
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..


Added on July 10, 2011, 8:26 pm
QUOTE(kuhfayLover @ Jul 10 2011, 12:23 PM)
Easy money? That's only true if u able to sell it out. Else..... sweat.gif


Added on July 10, 2011, 12:26 pm

Woo, seems all having negative comments.
The size and price are very suit me. Actually the price is really attractive lo, phase 1 <300K.
But, after hearing all u guys' comments.....  rclxub.gif
*
if 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..tongue.gif

cool2.gif

This post has been edited by joeekh: Jul 10 2011, 09:48 PM
kuhfayLover
post Jul 10 2011, 09:28 PM

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QUOTE(joeekh @ Jul 10 2011, 08:23 PM)
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..


Added on July 10, 2011, 8:26 pm
if 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..tongue.gif
Can't, i need to think carefully before make up my mind, u think buying veggie in market ar?
U r scaring me sweat.gif , btw, i modified my post, pls modified urs as well. Thx for co-operation. smile.gif

This post has been edited by kuhfayLover: Jul 10 2011, 10:02 PM
joeekh
post Jul 10 2011, 09:50 PM

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QUOTE(kuhfayLover @ Jul 10 2011, 09:28 PM)
Can't, i need to think carefully before make up my mind, u think buying veggie in market ar?
U r scaring me sweat.gif , btw, i modified my post, pls modified urs as well. Thx for co-operation.  smile.gif
*
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
cutealex
post Jul 10 2011, 09:52 PM

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Bro...no need edit la...I saw it...kuhfaylover u hv to edit the latest para also,,,no just click reply button...Lolz....parlane hmm.gif
CKHong
post Jul 10 2011, 09:54 PM

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Since parklane not so good.. why dont get sutera maya ? Haha
cutealex
post Jul 10 2011, 09:59 PM

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Same like I tell lcc bear...kuhlaylover...y don't refer to tis thread?

http://forum.lowyat.net/topic/1797691

Add kiara I n ii ,trees,rainz....
kuhfayLover
post Jul 10 2011, 10:01 PM

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QUOTE(cutealex @ Jul 10 2011, 09:52 PM)
Bro...no need edit la...I saw it...kuhfaylover u hv to edit the latest para also,,,no just click reply button...Lolz....parlane hmm.gif
*
too many to edit... sweat.gif


Added on July 10, 2011, 10:02 pm
QUOTE(CKHong @ Jul 10 2011, 09:54 PM)
Since parklane not so good.. why dont get sutera maya ? Haha
*
over budget. later eat roti everyday. cry.gif

This post has been edited by kuhfayLover: Jul 10 2011, 10:02 PM
joeekh
post Jul 10 2011, 10:02 PM

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QUOTE(cutealex @ Jul 10 2011, 09:52 PM)
Bro...no need edit la...I saw it...kuhfaylover u hv to edit the latest para also,,,no just click reply button...Lolz....parlane hmm.gif
*
abang alex..
a guy cannot resit the request of a lady de....
biggrin.gif
see see...now u scare her liao...
bt,,hoh...very funny...
she ask me edit..she sendiri no edit...
wahahaha
rclxm9.gif
cutealex
post Jul 10 2011, 10:07 PM

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QUOTE(joeekh @ Jul 10 2011, 10:02 PM)
abang alex..
a guy cannot resit the request of a lady de....
biggrin.gif
see see...now u scare her liao...
bt,,hoh...very funny...
she ask me edit..she sendiri no edit...
wahahaha
rclxm9.gif
*
Actually I already saw it early...hahaha..u put me on table and scare her...nvm la...gal wan to hide n privacy ma... yawn.gif feel a bit sleepy...Monday again...
kuhfayLover
post Jul 10 2011, 10:09 PM

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QUOTE(joeekh @ Jul 10 2011, 10:02 PM)
abang alex..
a guy cannot resit the request of a lady de....
biggrin.gif
see see...now u scare her liao...
bt,,hoh...very funny...
she ask me edit..she sendiri no edit...
wahahaha
rclxm9.gif
*
how i know even quote one also u guys will go read. sweat.gif
seems u all expert in editing sweat.gif sweat.gif
joeekh
post Jul 10 2011, 10:12 PM

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QUOTE(cutealex @ Jul 10 2011, 10:07 PM)
Actually I already saw it early...hahaha..u put me on table and scare her...nvm la...gal wan to hide n privacy ma... yawn.gif  feel a bit sleepy...Monday again...
*
cheh...
u sendiri started 1st..
i jz make follow up only nia..
taikoon no need care abt monday de...
kuhfayLover
post Jul 10 2011, 10:13 PM

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QUOTE(cutealex @ Jul 10 2011, 09:59 PM)
Same like I tell lcc bear...kuhlaylover...y don't refer to tis thread?

http://forum.lowyat.net/topic/1797691

Add kiara I n ii ,trees,rainz....
*
I don't see any post fromlcc bear at that thread?!
joeekh
post Jul 10 2011, 10:14 PM

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QUOTE(kuhfayLover @ Jul 10 2011, 10:09 PM)
how i know even quote one also u guys will go read.  sweat.gif
seems u all expert in editing  sweat.gif  sweat.gif
*
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??
CKHong
post Jul 10 2011, 10:15 PM

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QUOTE(joeekh @ Jul 10 2011, 10:14 PM)
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??
*
very veyr low % we chinese can get one from PR1MA... somemore this one is also some kind of vote pulling from BN biggrin.gif
joeekh
post Jul 10 2011, 10:16 PM

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QUOTE(kuhfayLover @ Jul 10 2011, 10:13 PM)
I don't see any post fromlcc bear at that thread?!
*
http://forum.lowyat.net/topic/1943254
ini
cutealex
post Jul 10 2011, 10:17 PM

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QUOTE(CKHong @ Jul 10 2011, 10:15 PM)
very veyr low % we chinese can get one from PR1MA... somemore this one is also some kind of vote pulling from BN  biggrin.gif
*
Pls take the total population vs unit offered...and most located deep in Cyber...
kuhfayLover
post Jul 10 2011, 10:18 PM

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QUOTE(joeekh @ Jul 10 2011, 10:14 PM)
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??
*
Haha, i not yet search from kajang till puchong, just started my journey. tongue.gif
Anyway, ladies are always not as decisive as guy, got to compare here and there one.
I'll see see look look until PR1MA, if got 'like' one before PR1MA, then sure will go ahead. smile.gif

joeekh
post Jul 10 2011, 10:20 PM

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QUOTE(cutealex @ Jul 10 2011, 10:17 PM)
Pls take the total population vs unit offered...and most located deep in Cyber...
*
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...
cutealex
post Jul 10 2011, 10:21 PM

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QUOTE(joeekh @ Jul 10 2011, 10:16 PM)
Yup...these kids very Sienz....ask A ask till location B...then no News Liao...later wanna buy then create new thread again...next time don't bother these not sincere one...hehehe
kuhfayLover
post Jul 10 2011, 10:21 PM

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QUOTE(joeekh @ Jul 10 2011, 10:16 PM)
this is the right post. thx smile.gif
joeekh
post Jul 10 2011, 10:22 PM

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QUOTE(cutealex @ Jul 10 2011, 10:21 PM)
Yup...these kids very Sienz....ask A ask till location B...then no News Liao...later wanna buy then create new thread again...next time don't bother these not sincere one...hehehe
*
where else the guys post n ask ah..?
i remember still got 1 more location..
ard wangsa maju there ah..?
cant remember liao...
kuhfayLover
post Jul 10 2011, 10:23 PM

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QUOTE(joeekh @ Jul 10 2011, 10:20 PM)
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...
*
which is malay majority area that u referring?
Kuhfay is who? helo, kuhfay is coffee in french la. sweat.gif
I'm a coffeelover. smile.gif


Added on July 10, 2011, 10:24 pm
QUOTE(cutealex @ Jul 10 2011, 10:21 PM)
Yup...these kids very Sienz....ask A ask till location B...then no News Liao...later wanna buy then create new thread again...next time don't bother these not sincere one...hehehe
*
i just started my journey, later i ask from kajang till kl like that kid, then u'll bad mouth on me. doh.gif

This post has been edited by kuhfayLover: Jul 10 2011, 10:24 PM
cutealex
post Jul 10 2011, 10:31 PM

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QUOTE(kuhfayLover @ Jul 10 2011, 10:23 PM)
which is malay majority area that u referring?
Kuhfay is who? helo, kuhfay is coffee in french la.  sweat.gif
I'm a coffeelover.  smile.gif


Added on July 10, 2011, 10:24 pm

i just started my journey, later i ask from kajang till kl like that kid, then u'll bad mouth on me.  doh.gif
*
Wat for bad mouth sd u? I don't see the point blush.gif
kuhfayLover
post Jul 10 2011, 10:39 PM

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QUOTE(cutealex @ Jul 10 2011, 10:31 PM)
Wat for bad mouth sd u? I don't see the point blush.gif
*
maybe i asked too much ??!! sad.gif


Added on July 10, 2011, 10:40 pmwanna ask sifu-sifu, is it all the serviced apartment are paying expensive water bill and electric bill? or it's applied to all, including condo?

This post has been edited by kuhfayLover: Jul 10 2011, 10:40 PM
cutealex
post Jul 10 2011, 10:58 PM

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QUOTE(kuhfayLover @ Jul 10 2011, 10:39 PM)
maybe i asked too much ??!!  sad.gif


Added on July 10, 2011, 10:40 pmwanna ask sifu-sifu, is it all the serviced apartment are paying expensive water bill and electric bill? or it's applied to all, including condo?
*
Typically yes...s.apartment more expensive...pls note the diff between commercial title service apartment vs residen title condo thn u will hv a clear picture...
joeekh
post Jul 10 2011, 11:10 PM

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QUOTE(cutealex @ Jul 10 2011, 10:58 PM)
Typically yes...s.apartment more expensive...pls note the diff between commercial title service apartment vs residen title condo thn u will hv a clear picture...
*
i thot now all under hda liao..
service apartment shud get the same rate as residential?
kuhfayLover
post Jul 10 2011, 11:12 PM

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QUOTE(cutealex @ Jul 10 2011, 10:58 PM)
Typically yes...s.apartment more expensive...pls note the diff between commercial title service apartment vs residen title condo thn u will hv a clear picture...
*
how do i know if the condo is holding residential title or commercial? or by default, s.apartment = commercial, condo/apartment = residential?
cutealex
post Jul 10 2011, 11:17 PM

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QUOTE(joeekh @ Jul 10 2011, 11:10 PM)
i thot now all under hda liao..
service apartment shud get the same rate as residential?
*
Nope ...Pls note the diff services aprtmnt under HDA protection is apply to 70ltv...and these nope HDA normally we call soho doesn't apply to 70ltv

And there diff between service aprtmt commercial title under hda vs condo resi title under hda...

This post has been edited by cutealex: Jul 10 2011, 11:21 PM
homefinder
post Jul 11 2011, 12:50 AM

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[quote=cutealex,Jul 10 2011, 11:17 PM]
Nope ...Pls note the diff services aprtmnt under HDA protection is apply to 70ltv...and these nope HDA normally we call soho doesn't apply to 70ltv

And there diff between service aprtmt commercial title under hda vs condo resi title under hda...
*

Hi what is the actual diff between service aprtmt commercial title under hda vs condo resi title under hda?
i taught as long as it is commercial title is not under hda protection right?

cutealex
post Jul 11 2011, 09:12 AM

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QUOTE(homefinder @ Jul 11 2011, 12:50 AM)
QUOTE(cutealex @ Jul 10 2011, 11:17 PM)

Nope ...Pls note the diff services aprtmnt under HDA protection is apply to 70ltv...and these nope HDA normally we call soho doesn't apply to 70ltv

And there diff between service aprtmt commercial title under hda vs condo resi title under hda...
*

Hi what is the actual diff between service aprtmt commercial title under hda vs condo resi title under hda?
i taught as long as it is commercial title is not under hda protection right?
*

kuhlaylover/ Jooekh...tolong explain kasih dia...

This post has been edited by cutealex: Jul 11 2011, 09:13 AM
kuhfayLover
post Jul 11 2011, 09:30 AM

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QUOTE(cutealex)
Nope ...Pls note the diff services aprtmnt under HDA protection is apply to 70ltv...and these nope HDA normally we call soho doesn't apply to 70ltv

And there diff between service aprtmt commercial title under hda vs condo resi title under hda...
*

Hi what is the actual diff between service aprtmt commercial title under hda vs condo resi title under hda?
i taught as long as it is commercial title is not under hda protection right?
QUOTE(cutealex @ Jul 11 2011, 09:12 AM)
kuhlaylover/ Jooekh...tolong explain kasih dia...
ha, ada test kah? I also not sure if i understand it correctly. Correct me if i get u wrong, cutealex.
Those services apartment that under HDA is only applicable to 70ltv, which is 3rd house mortgage, hence, for non-HDA s.apartment, their utilities are still follow the commercial rate?! icon_question.gif
betul kah?

Btw, my name is not kuhlaylover but kuhfaylover mad.gif

This post has been edited by kuhfayLover: Jul 11 2011, 09:32 AM
cutealex
post Jul 11 2011, 09:38 AM

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QUOTE(homefinder @ Jul 11 2011, 12:50 AM)
QUOTE(cutealex @ Jul 10 2011, 11:17 PM)

Nope ...Pls note the diff services aprtmnt under HDA protection is apply to 70ltv...and these nope HDA normally we call soho doesn't apply to 70ltv

And there diff between service aprtmt commercial title under hda vs condo resi title under hda...
*

Hi what is the actual diff between service aprtmt commercial title under hda vs condo resi title under hda?
i taught as long as it is commercial title is not under hda protection right?
*

Hi...the diff is...
- one under commercial title
- one under Res title.

Thus, the maintanance fees/ water & electric bills under Commercial will slightly higher and expensive than Resi title...


Added on July 11, 2011, 9:40 am
QUOTE(kuhfayLover @ Jul 11 2011, 09:30 AM)
ha, ada test kah? I also not sure if i understand it correctly. Correct me if i get u wrong, cutealex.
Those services apartment that under HDA is only applicable to 70ltv, which is 3rd house mortgage, hence, for non-HDA s.apartment, their utilities are still follow the commercial rate?!  icon_question.gif
betul kah?

Btw, my name is not kuhlaylover but kuhfaylover mad.gif
*
errmm....correct 50% and dunno what you explain about...

but still ok liao if compared to before you join here... can see your improvement...thanks to LYN

This post has been edited by cutealex: Jul 11 2011, 09:40 AM
kuhfayLover
post Jul 11 2011, 09:43 AM

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QUOTE(cutealex @ Jul 11 2011, 09:38 AM)


Hi...the diff is...
- one under commercial title
- one under Res title.

Thus, the maintanance fees/ water & electric bills under Commercial will slightly higher and expensive than Resi title...
So by default, all condo are under resi title and s.apartment are under commercial title?


QUOTE(cutealex)
errmm....correct 50% and dunno what you explain about...

but still ok liao if compared to before you join here... can see your improvement...thanks to LYN
Thanks. Specially thx to joeekh, ckhong and cutealex. smile.gif

joeekh
post Jul 11 2011, 09:54 AM

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QUOTE(kuhfayLover @ Jul 11 2011, 09:43 AM)
So by default, all condo are under resi title and s.apartment are under commercial title?
kuhfaylover...
that add another - point to ur thinking of parklane...
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post Jul 11 2011, 09:57 AM

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QUOTE(kuhfayLover @ Jul 11 2011, 09:43 AM)
So by default, all condo are under resi title and s.apartment are under commercial title?
QUOTE(cutealex)
errmm....correct 50% and dunno what you explain about...

but still ok liao if compared to before you join here... can see your improvement...thanks to LYN
Thanks. Specially thx to joeekh, ckhong and cutealex. smile.gif
*
lol.. i didnt even help on the commercial title and resi title..
wah wah i get a thanks..
biggrin.gif so hapi
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post Jul 11 2011, 10:06 AM

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QUOTE(joeekh @ Jul 11 2011, 09:54 AM)
kuhfaylover...
that add another - point to ur thinking of parklane...
*
shakehead.gif

Does freehold and leasehold matter? Seems not easy to find freehold now.

cutealex
post Jul 11 2011, 10:07 AM

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Haiizzz....

All like Taikor... Taijie...can always sit & online and and drink coffee (kuh fay)...chui sui (Jooekh) here....so syok...

when is my turn ? smile.gif
kuhfayLover
post Jul 11 2011, 10:07 AM

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QUOTE
lol.. i didnt even help on the commercial title and resi title..
wah wah i get a thanks..
biggrin.gif   so hapi
the thx is not only for this topic smile.gif


Added on July 11, 2011, 10:09 am
QUOTE(cutealex @ Jul 11 2011, 10:07 AM)
Haiizzz....

All like Taikor... Taijie...can always sit & online and and drink coffee (kuh fay)...chui sui (Jooekh) here....so syok...

when is my turn ? smile.gif
*
chey, u r "chui sui ing " also what

This post has been edited by kuhfayLover: Jul 11 2011, 10:10 AM
CKHong
post Jul 11 2011, 10:16 AM

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QUOTE(kuhfayLover @ Jul 11 2011, 10:07 AM)
chey, u r "chui sui ing " also what
*
lol.. agreed.. u also quite free maaaaa rclxms.gif
kuhfayLover
post Jul 11 2011, 10:34 AM

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QUOTE(CKHong @ Jul 11 2011, 10:16 AM)
lol.. agreed.. u also quite free maaaaa  rclxms.gif
*
oh, cause i'm a cleaner, my boss said as long as finish the office and toilet cleaning, then can online. tongue.gif
U this programmer also free what. wink.gif

ckhong, u taking semi flexi loan, right ? what is this diff from flexi loan then?
CKHong
post Jul 11 2011, 10:51 AM

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QUOTE(kuhfayLover @ Jul 11 2011, 10:34 AM)
oh, cause i'm a cleaner, my boss said as long as finish the office and toilet cleaning, then can online.  tongue.gif
U this programmer also free what.   wink.gif

ckhong, u taking semi flexi loan, right ? what is this diff from flexi loan then?
*
lol.. unimportant people.. is free..
biggrin.gif
yup semi flexi loan..
diff is

semi flexi
each month chargex free
every transaction[take out] RM50

full flexi
each month chargex RM10 per month
every transaction[take out] free

smile.gif

This post has been edited by CKHong: Jul 11 2011, 11:17 AM
joeekh
post Jul 11 2011, 12:31 PM

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QUOTE(CKHong @ Jul 11 2011, 10:51 AM)
lol.. unimportant people.. is free..
biggrin.gif
yup semi flexi loan..
diff is

semi flexi                         
each month chargex              free
every transaction[take out]    RM50                             

full flexi
each month chargex              RM10 per month
every transaction[take out]    free

smile.gif
*
u forgot mention setup fee..
rm200 for full flexi..
rm0 for semi flexi..
kuhfayLover
post Jul 11 2011, 12:33 PM

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QUOTE(joeekh @ Jul 11 2011, 12:31 PM)
u forgot mention setup fee..
rm200 for full flexi..
rm0 for semi flexi..
*
seems semi flexi is the right one.
got limitation on number of transaction per month for semi flexi?
joeekh
post Jul 11 2011, 12:37 PM

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QUOTE(kuhfayLover @ Jul 11 2011, 12:33 PM)
seems semi flexi is the right one.
got limitation on number of transaction per month 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...
cutealex
post Jul 11 2011, 12:45 PM

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No need think so much la...

just ask Jooekh kor to point out which & where to buy, then you follow up... he took Full flexible.. then u follow also...then 3 years later...huge gain smile.gif

**Not guaranteed by me but Jooekh kor..
kuhfayLover
post Jul 11 2011, 12:45 PM

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QUOTE(joeekh @ Jul 11 2011, 12:37 PM)
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...
*
Yes, can show me? can have an example of this? do u have?
I need a clear picture of this, it would be great if the calculation in in excel format, so that i can see how the calculation is being done.
Do u have one? can share with us? smile.gif
CKHong
post Jul 11 2011, 12:46 PM

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QUOTE(joeekh @ Jul 11 2011, 12:31 PM)
u forgot mention setup fee..
rm200 for full flexi..
rm0 for semi flexi..
*
woo this one new to me LOL..
kuhfayLover
post Jul 11 2011, 12:47 PM

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QUOTE(cutealex @ Jul 11 2011, 12:45 PM)
No need think so much la...

just ask Jooekh kor to point out which & where to buy, then you follow up... he took Full flexible.. then u follow also...then 3 years later...huge gain smile.gif

**Not guaranteed by me but Jooekh kor..
*
haha, can't, can't just follow blindly. U think i so rich like u guys ar, so many property to cover later.
If i failed, then failed. Later cry also no tears. sad.gif
joeekh
post Jul 11 2011, 12:49 PM

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QUOTE(cutealex @ Jul 11 2011, 12:45 PM)
No need think so much la...

just ask Jooekh kor to point out which & where to buy, then you follow up... he took Full flexible.. then u follow also...then 3 years later...huge gain smile.gif

**Not guaranteed by me but Jooekh kor..
*
put me on table again...
mad.gif


Added on July 11, 2011, 12:56 pm
QUOTE(kuhfayLover @ Jul 11 2011, 12:45 PM)
Yes, can show me? can have an example of this? do u have?
I need a clear picture of this, it would be great if the calculation in in excel format, so that i can see how the calculation is being done.
Do u have one? can share with us?  smile.gif
*
i 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
cutealex
post Jul 11 2011, 12:56 PM

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QUOTE(kuhfayLover @ Jul 11 2011, 12:47 PM)
haha, can't, can't just follow blindly. U think i so rich like u guys ar, so many property to cover later.
If i failed, then failed. Later cry also no tears.  sad.gif
*
hahaha,,,,now u start to ask liao... later will like what Jooekh colleagues said ....ask from Kajang till Cheras ... then Puchong to xxxxxx...
then cover Kota Damansara and etc....

sure today Jooekh go and tell his colleagues fren... hey... in the net got someone like u xxxxxx....

not follow up blindy lah... Jooekh steady & smart one... flex.gif

just buy Sutera Maya since you are here... support sikit...
kuhfayLover
post Jul 11 2011, 12:58 PM

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QUOTE(joeekh @ Jul 11 2011, 12:49 PM)
put me on table again...
mad.gif


Added on July 11, 2011, 12:56 pm
i got excel formula..
bt i also lazy to fill up the whole sheet...
*
why not u give me the formula then i fill up and show u if it's correct? smile.gif


Added on July 11, 2011, 1:00 pm
QUOTE(cutealex @ Jul 11 2011, 12:56 PM)
hahaha,,,,now u start to ask liao... later will like what Jooekh colleagues said ....ask from Kajang till Cheras ... then Puchong to xxxxxx...
then cover Kota Damansara and etc....

sure today Jooekh go and tell his colleagues fren... hey... in the net got someone like u xxxxxx....

not follow up blindy lah... Jooekh steady & smart one... flex.gif

just buy Sutera Maya since you are here... support sikit...
*
support sikit? once support, then 30 years shocking.gif shakehead.gif

This post has been edited by kuhfayLover: Jul 11 2011, 01:00 PM
CKHong
post Jul 11 2011, 01:08 PM

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QUOTE(cutealex @ Jul 11 2011, 12:56 PM)
just buy Sutera Maya since you are here... support sikit...
*
rclxms.gif brows.gif rclxm9.gif notworthy.gif

QUOTE(kuhfayLover @ Jul 11 2011, 12:58 PM)
why not u give me the formula then i fill up and show u if it's correct?  smile.gif
*
i think joe gor.. said last time.. in sutera maya thread also.. lemme find it out
[thou its just an example] wait har..



QUOTE(joeekh @ Jul 5 2011, 02:31 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..
*
QUOTE(joeekh @ Jul 5 2011, 03:18 PM)
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..
*
this showed how pro joe gor is.. all thanks + credit will go to joe gor.. if by any chance after 5/6 years i'm getting another props for investment.. i will get fully flexi smile.gif
since i already in semi flexi now.. so i can't change it [unless i'm willing to pay the charges for changing semi > fully flexi]

This post has been edited by CKHong: Jul 11 2011, 01:13 PM
joeekh
post Jul 11 2011, 02:10 PM

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QUOTE(CKHong @ Jul 11 2011, 01:08 PM)
rclxms.gif  brows.gif  rclxm9.gif  notworthy.gif
i think joe gor.. said last time.. in sutera maya thread also.. lemme find it out
[thou its just an example]  wait har..
this showed how pro joe gor is..  all thanks + credit will go to joe gor.. if by any chance after 5/6 years i'm getting another props for investment.. i will get fully flexi  smile.gif
since i already in semi flexi now.. so i can't change it [unless i'm willing to pay the charges for changing semi > fully flexi]
*
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...
kuhfayLover
post Jul 11 2011, 02:51 PM

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QUOTE(joeekh @ Jul 11 2011, 02:10 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...
*
I will try to dump in some actual figure and see.
Btw, for the term loan, the interest is only re-calculate every month end by it's balance, right?
It's a monthly basis interest calculation?

joeekh
post Jul 11 2011, 02:55 PM

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QUOTE(kuhfayLover @ Jul 11 2011, 02:51 PM)
I will try to dump in some actual figure and see.
Btw, for the term loan, the interest is only re-calculate every month end by it's balance, right?
It's a monthly basis interest calculation?
*
daily interest rate..
jz that it will added into the balance end of the month..
CKHong
post Jul 11 2011, 02:56 PM

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QUOTE(joeekh @ Jul 11 2011, 02:10 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...
*
quite hard to do the real calculation
cus let say beginning of month.. salary is out.. u put all into the bank..
then first and second week u save some $$.. then when it goes to mid-end of month.. u spend the money.. then from that few last day.. u didnt save up much..
hard to count also if you're trying to save the money from ur salary..
or maybe you're a business man.. early month u dump in 50k > the money have to paid to others.. let say u have to hold on paying him for 2 weeks.. u save 2 weeks $$
joeekh
post Jul 11 2011, 02:59 PM

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QUOTE(CKHong @ Jul 11 2011, 02:56 PM)
quite hard to do the real calculation
cus let say beginning of month.. salary is out.. u put all into the bank..
then first and second week u save some $$.. then when it goes to mid-end of month.. u spend the money.. then from that few last day.. u didnt save up much..
hard to count also if you're trying to save the money from ur salary..
or maybe you're a business man.. early month u dump in 50k > the money have to paid to others.. let say u have to hold on paying him for 2 weeks.. u save 2 weeks $$
*
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...
CKHong
post Jul 11 2011, 03:12 PM

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QUOTE(joeekh @ Jul 11 2011, 02:59 PM)
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...
*
cohee lover gonna thank u so much
u might just have a thank u kiss/hug from her biggrin.gif
i also thank u for the calculation.. but no kiss/hug since u and I also not going to give/receive one HAHHAHAA
kuhfayLover
post Jul 11 2011, 03:28 PM

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QUOTE(joeekh @ Jul 11 2011, 02:59 PM)
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...
*
i started something like this, but rclxub.gif

Loan: 400K
Tenure:30 yrs
Interest = BLR -2.4 (6.6-2.4=4.2)

TERM LOAN
400,000 CAPITAL PAYMENT BALANCE
1/1/2011 ($1,956.07) $398,043.93
2/1/2011 ($1,946.50)


Added on July 11, 2011, 3:30 pm
QUOTE(CKHong @ Jul 11 2011, 03:12 PM)
cohee lover gonna thank u so much
u might just have a thank u kiss/hug from her  biggrin.gif
i also thank u for the calculation..  but no kiss/hug since u and I also not going to give/receive one  HAHHAHAA
*
cohee? doh.gif



This post has been edited by kuhfayLover: Jul 11 2011, 03:30 PM
cutealex
post Jul 11 2011, 03:55 PM

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Wah,,, u all really Free... jooekh go to meeting already... offsite meeting.. bring his staffs to sapu Sutera units..
kuhfayLover
post Jul 11 2011, 04:24 PM

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quite free today, waiting joeekh calculation, trying to make it but ...not even understand the formula. rclxub.gif
CKHong
post Jul 11 2011, 04:33 PM

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QUOTE(cutealex @ Jul 11 2011, 03:55 PM)
Wah,,, u all really Free... jooekh go to meeting already... offsite meeting.. bring his staffs to sapu Sutera units..
*
lol.. if wan sapu also get them sapu z residence lur.. block C
whole floor sapued by his staff smile.gif

QUOTE(kuhfayLover @ Jul 11 2011, 04:24 PM)
quite free today, waiting joeekh calculation, trying to make it but ...not even understand the formula.  rclxub.gif
*
let me briefly calculate for u make u to understand the equation [i hope i'm correct .. ]

loan 400k interest 4.2
1 year interest = 16800 /365 = each day charges u 46.03

let say 1st august ur salary 10k > bank in to the bank fully flexi
400k-10k = 390k interest 4.2 = 16380 /365 = 44.88
1st day > u untung 46.03 - 44.881 = RM1.15
2nd day > u didnt touch the 10k salary yet = untung RM1.15
3rd day > ok u paid the house rent 1000.. salary in the bank left 9k = 400k-9k = 391k interest 4.2 = 16422 /365 = 44.99 bank charge u.. u untung RM1.04 now
4th day > u didnt touch the 9k salary > untung RM1.04
..
..
..
and so on..
PS: i didnt count the monthly repayment that u pay for the bank.. let say u pay 2k each month.. so u do ur calculation urself la
just briefly calculation and it might be wrong..

This post has been edited by CKHong: Jul 11 2011, 04:39 PM
cutealex
post Jul 11 2011, 04:36 PM

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ZR got a bit issues now... so Sapu Sutera a bit smile.gif...

CkHong year 1985? Sutera is your 2nd property?
CKHong
post Jul 11 2011, 04:42 PM

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QUOTE(cutealex @ Jul 11 2011, 04:36 PM)
ZR got a bit issues now... so Sapu Sutera a bit smile.gif...

CkHong year 1985? Sutera is your 2nd property?
*
the issue is small matter nie.. bukit oug there they just voice out so that they can have better quality of the land [put more rocks or whatsoever so that it will be more kukuh]
end up will increase bukit oug market value cus trinity do all the upgrading for them for free ! smile.gif
yep 1985.. no no.. u look too highly on me zo.. 1st property nie..
i dun think i'm able to get another prop for investment in 5~6 years...
salary didnt' increase much.. (cus i didn't do job hopping) sad.gif
so ah.. currently want to pay the loan repayment + maintenance fee + tnb + water + internet in the next 3 years is a problem for me now..
kuhfayLover
post Jul 11 2011, 04:50 PM

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QUOTE(CKHong @ Jul 11 2011, 04:33 PM)
lol.. if wan sapu also get them sapu z residence lur.. block C
whole floor sapued by his staff  smile.gif
let me briefly calculate for u make u to understand the equation [i hope i'm correct .. ]

loan 400k  interest 4.2
1 year interest = 16800 /365 = each day charges u 46.03

let say 1st august ur salary 10k  >  bank in to the bank fully flexi
400k-10k = 390k interest 4.2 = 16380 /365 = 44.88
1st day > u untung  46.03 - 44.881 = RM1.15
2nd day > u didnt touch the 10k salary yet = untung RM1.15
3rd day > ok u paid the house rent 1000.. salary in the bank left 9k = 400k-9k = 391k interest 4.2 = 16422 /365 = 44.99 bank charge u.. u untung RM1.04 now
4th day > u didnt touch the 9k salary > untung RM1.04
..
..
..
and so on..
PS: i didnt count the monthly repayment that u pay for the bank.. let say u pay 2k each month.. so u do ur calculation urself la
just briefly calculation and it might be wrong..
*
Yes, clear! Thx!

Question 1:
loan 400k interest 4.2
1 year interest = 16800 /365 = each day charges u 46.03
---> cant calculate like this cause even term loan calculate interest based on balance, right? It shouldn't be fixed?!


But, what about the capital repayment calculation?
So, bank will calculate everyday like the above and then let us know the total amount of repayment (capital + interest) by every month end ?



This post has been edited by kuhfayLover: Jul 11 2011, 04:54 PM
CKHong
post Jul 11 2011, 05:32 PM

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QUOTE(kuhfayLover @ Jul 11 2011, 04:50 PM)
Yes, clear! Thx!

Question 1:
loan 400k  interest 4.2
1 year interest = 16800 /365 = each day charges u 46.03
---> cant calculate like this cause even term loan calculate interest based on balance, right? It shouldn't be fixed?!
But, what about the capital repayment calculation?
So, bank will calculate everyday like the above and then let us know the total amount of repayment (capital + interest) by every month end ?
*
this one u have to refer to other sifu liao
lol.. just now the calculation.. i just assume it is calculated like that.. hahahaha..
based on my 'guy instinct' tongue.gif
joeekh
post Jul 11 2011, 05:58 PM

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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


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...
biggrin.gif

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


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antichrist
post Jul 11 2011, 07:27 PM

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do u guys think for me & my gf' salary is rm6250 exclude my commission around rm1000/ month, able to pass 90% loan?but i have a car loan rm510/month.

This post has been edited by antichrist: Jul 11 2011, 07:33 PM
CKHong
post Jul 11 2011, 08:50 PM

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of course you'll pass... but to be sure.. pls apply all 3 banks..
antichrist
post Jul 11 2011, 08:59 PM

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QUOTE(CKHong @ Jul 11 2011, 08:50 PM)
of course you'll pass... but to be sure.. pls apply all 3 banks..
*
which are three banks you mentioned?only uob n pbb call us.anyway we will apply hlbb and citibank
cutealex
post Jul 11 2011, 09:05 PM

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QUOTE(antichrist @ Jul 11 2011, 08:59 PM)
which are three banks you mentioned?only uob n pbb call us.anyway we will apply hlbb and citibank
*
PBB >> UOB >> HLBB >> Citibank
CKHong
post Jul 11 2011, 09:07 PM

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ohh... panel for sutera maya
pbb, uob and hsbc
but since u apply zo pbb and uob... then u can forget hsbc
hehe.. hscb can only give u loan 34years ... cannot go for 40 years.. [unless uwant to have shorter year.. then u can go for it]
uob shud be very fast approve ... pbb u have to wait longer smile.gif
but the rate is better from pbb..
antichrist
post Jul 11 2011, 09:13 PM

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QUOTE(CKHong @ Jul 11 2011, 09:07 PM)
ohh... panel for sutera maya
pbb, uob and hsbc
but since u apply zo pbb and uob... then u can forget hsbc
hehe.. hscb can only give u loan 34years ... cannot go for 40 years.. [unless uwant to have shorter year.. then u can go for it]
uob shud be very fast approve ... pbb u have to wait longer  smile.gif
but the rate is better from pbb..
*
which bank you applied and approved?waht is the rate?
CKHong
post Jul 11 2011, 09:20 PM

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QUOTE(antichrist @ Jul 11 2011, 09:13 PM)
which bank you applied and approved?waht is the rate?
*
i took pbb

uob gave me blr - 2.4
pbb gave me blr - 2.5 (1st year) then blr - 2.4 (afterwards)
thou 1st year i dun think i can save much with diff 0.1 LOL
do tell me what offer u get..
since SRR increased.. some said it might affect blr - x
antichrist
post Jul 11 2011, 09:23 PM

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QUOTE(CKHong @ Jul 11 2011, 09:20 PM)
i took pbb

uob gave me blr - 2.4
pbb gave me blr - 2.5 (1st year)  then blr - 2.4 (afterwards)
thou 1st year i dun think i can save much with diff 0.1 LOL
do tell me what offer u get..
since SRR increased.. some said it might affect blr - x
*
what SRR u meant?
miruvaaccessories
post Jul 11 2011, 10:24 PM

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Sutera Maya i thought had problem with roof garden

CKHong
post Jul 11 2011, 10:38 PM

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Chris.. srr is the one bank negara increase .. thank god blr didn't increase .. so I'm thinking if there's any changes for blr - x

Yup.. as I know.. the roof garden.. still pending.. didn't get approval yet.. maybe can't get approval.. lol.. I'm ok with not getting roof garden.. of course.. if got then better la haha....
kuhfayLover
post Jul 11 2011, 10:46 PM

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QUOTE(joeekh @ Jul 11 2011, 05:58 PM)
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


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...
biggrin.gif
*
WAU!! Thanks joeekh! thumbup.gif smile.gif
No worries, i like maths! tongue.gif
Still, i have questions:

1) PMT(interestrate/12,loantenure*12,loanamt,0,0)
=> so this formula actually already cater for recalculate based on outstanding balance ar?

2) I have a clearer picture now after seeing ur attachment, so good of u! smile.gif
But, i thought the interest is already include in RM1956.07, why do we still need to pay the extra daily interest(in ur example, column F) ?


Added on July 11, 2011, 10:47 pm
QUOTE(cutealex @ Jul 11 2011, 09:05 PM)
PBB >> UOB >> HLBB >> Citibank
*
Not advisable to go to local bank?


Added on July 11, 2011, 10:51 pm
QUOTE(CKHong @ Jul 11 2011, 09:20 PM)
i took pbb

uob gave me blr - 2.4
pbb gave me blr - 2.5 (1st year)  then blr - 2.4 (afterwards)
thou 1st year i dun think i can save much with diff 0.1 LOL
do tell me what offer u get..
since SRR increased.. some said it might affect blr - x
*
how long is ur loan tenure?

This post has been edited by kuhfayLover: Jul 11 2011, 10:51 PM
cutealex
post Jul 11 2011, 10:55 PM

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mean PBB is first choice, last is Citi
CKHong
post Jul 11 2011, 10:57 PM

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QUOTE(kuhfayLover @ Jul 11 2011, 10:46 PM)
how long is ur loan tenure?
*
40 years.. i will prefer drag the longest.. then if got $$ then put more inside since its semi flexi loan
duwan 30 years then every month have to pay alot.. end up kenot pay.. kena penalty~
cutealex
post Jul 11 2011, 11:00 PM

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QUOTE(CKHong @ Jul 11 2011, 10:57 PM)
40 years.. i will prefer drag the longest.. then if got $$ then put more inside since its semi flexi loan
duwan 30 years then every month have to pay alot.. end up kenot pay.. kena penalty~
*
40 years... sweat.gif errmmm....end up pay almost rm800k+ to the Bank...
kuhfayLover
post Jul 11 2011, 11:05 PM

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QUOTE(CKHong @ Jul 11 2011, 10:57 PM)
40 years.. i will prefer drag the longest.. then if got $$ then put more inside since its semi flexi loan
duwan 30 years then every month have to pay alot.. end up kenot pay.. kena penalty~
*
pbb allow 40 yrs?
Yes, who knows kena lottery, then can settle this loan and get 2nd property tomorrow. wink.gif
joeekh
post Jul 11 2011, 11:50 PM

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QUOTE(kuhfayLover @ Jul 11 2011, 10:46 PM)
WAU!! Thanks joeekh!  thumbup.gif   smile.gif
No worries, i like maths!  tongue.gif
Still, i have questions:

1) PMT(interestrate/12,loantenure*12,loanamt,0,0)
    => so this formula actually already cater for recalculate based on outstanding balance ar?

2) I have a clearer picture now after seeing ur attachment, so good of u!  smile.gif
    But, i thought the interest is already include in RM1956.07, why do we still need to pay the extra daily interest(in ur example, column F) ?
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
biggrin.gif


Added on July 11, 2011, 11:51 pm
QUOTE(cutealex @ Jul 11 2011, 11:00 PM)
40 years...  sweat.gif  errmmm....end up pay almost rm800k+ to the Bank...
*
the 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
kuhfayLover
post Jul 12 2011, 12:00 AM

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QUOTE(joeekh @ Jul 11 2011, 11:50 PM)
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
biggrin.gif
2. rm1400++ for interest? rm500 for principal? so much diff? so exp of the interest been charged? shocking.gif

hey boy, u think u gonna explain to me on phone on this complicated maths calculation ar? I will rclxub.gif

joeekh
post Jul 12 2011, 12:04 AM

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QUOTE(kuhfayLover @ Jul 12 2011, 12:00 AM)
2. rm1400++ for interest? rm500 for principal? so much diff? so exp of the interest been charged? shocking.gif

hey boy, u think u gonna explain to me on phone on this complicated maths calculation ar? I will  rclxub.gif
*
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#...
tongue.gif
kuhfayLover
post Jul 12 2011, 12:08 AM

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QUOTE(joeekh @ Jul 12 2011, 12:04 AM)
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#...
tongue.gif
*
That's sound interesting, will get one portfolio done for myself. smile.gif
hey boy, that's need to ask my kids's permission wink.gif

joeekh
post Jul 12 2011, 12:12 AM

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QUOTE(kuhfayLover @ Jul 12 2011, 12:08 AM)
That's sound interesting, will get one portfolio done for myself.  smile.gif
hey boy, that's need to ask my kids's permission  wink.gif
*
yala yala..
go ask ur '2 kids' la..
once hv the permission liao..pm me ur email / msn / hp#....
icon_rolleyes.gif
kuhfayLover
post Jul 12 2011, 12:16 AM

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QUOTE(joeekh @ Jul 12 2011, 12:12 AM)
yala yala..
go ask ur '2 kids' la..
once hv the permission liao..pm me ur email / msn / hp#....
icon_rolleyes.gif
*
When ur turn into color wolf like cutealex ar?!
Even though i'm not a little girl anymore, still, will frighten me away one. shakehead.gif
CKHong
post Jul 12 2011, 12:18 AM

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QUOTE(cutealex @ Jul 11 2011, 11:00 PM)
40 years...  sweat.gif  errmmm....end up pay almost rm800k+ to the Bank...
*
haha.. i won't stick to the loan repayment schedule geh.. once i got extra i will dump in smile.gif


Added on July 12, 2011, 12:19 am
QUOTE(kuhfayLover @ Jul 11 2011, 11:05 PM)
pbb allow 40 yrs?
Yes, who knows kena lottery, then can settle this loan and get 2nd property tomorrow. wink.gif
*
pbb allow ah.. smile.gif i got mine 40 years hhehe
i fong hei lottery liao
i bought so many times
satu pun tarak kena sad.gif tipu duit one lol

This post has been edited by CKHong: Jul 12 2011, 12:19 AM
joeekh
post Jul 12 2011, 12:23 AM

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QUOTE(kuhfayLover @ Jul 12 2011, 12:16 AM)
When ur turn into color wolf like cutealex ar?!
Even though i'm not a little girl anymore, still, will frighten me away one.  shakehead.gif
*
oh....
good ah...
ppl help u..u say me like that...
cry.gif


Added on July 12, 2011, 12:24 am
QUOTE(CKHong @ Jul 12 2011, 12:18 AM)
pbb allow ah..  smile.gif i got mine 40 years  hhehe
pbb no good....
then only loan me 90% of discounted price..


This post has been edited by joeekh: Jul 12 2011, 12:24 AM
kuhfayLover
post Jul 12 2011, 12:27 AM

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QUOTE(joeekh @ Jul 12 2011, 12:23 AM)
oh....
good ah...
ppl help u..u say me like that...
cry.gif
haha, this no use on me lo.
Anyway, u r a good one, helpful one! Thx a lot. blush.gif



miruvaaccessories
post Jul 12 2011, 12:30 AM

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No roof garden then its like a flat smile.gif

joeekh
post Jul 12 2011, 12:30 AM

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QUOTE(kuhfayLover @ Jul 12 2011, 12:27 AM)
haha, this no use on me lo.
Anyway, u r a good one, helpful one! Thx a lot.  blush.gif
*
hahaha..
seriously..pm me if u want the excel sheet...
tongue.gif brows.gif whistling.gif


Added on July 12, 2011, 12:31 am
QUOTE(miruvaaccessories @ Jul 12 2011, 12:30 AM)
No roof garden then its like a flat smile.gif
*
nt neccessary de..
flat dont have swimmng pool n all the facilities....

This post has been edited by joeekh: Jul 12 2011, 12:31 AM
CKHong
post Jul 12 2011, 12:36 AM

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QUOTE(miruvaaccessories @ Jul 12 2011, 12:30 AM)
No roof garden then its like a flat smile.gif
*
oh oh.. is it every condo.. will have roof garden ?
sorry.. noob here.. doesn't know the definition of condo tongue.gif


Added on July 12, 2011, 12:37 am
QUOTE(joeekh @ Jul 12 2011, 12:30 AM)
nt neccessary de..
flat dont have swimmng pool n all the facilities....
*
hear u say say har.. u correct also
if no roof garden means flat..
then in malaysia.. alot condo have to change name to flat lur ~ tongue.gif

This post has been edited by CKHong: Jul 12 2011, 12:37 AM
kuhfayLover
post Jul 12 2011, 12:38 AM

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QUOTE(joeekh @ Jul 12 2011, 12:30 AM)
hahaha..
seriously..pm me if u want the excel sheet...
tongue.gif  brows.gif  whistling.gif
Thx first, will pm u soon then wink.gif
joeekh
post Jul 12 2011, 01:03 AM

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QUOTE(CKHong @ Jul 12 2011, 12:36 AM)
oh oh.. is it every condo.. will have roof garden ?
sorry.. noob here.. doesn't know the definition of condo  tongue.gif


Added on July 12, 2011, 12:37 am
hear u say say har.. u correct also
if no roof garden means flat..
then in malaysia.. alot condo have to change name to flat lur ~  tongue.gif
*
yalar...
garden thus concept only 'hit; these few years nia..
last time condo dont hv garden also mah...


Added on July 12, 2011, 1:03 am
QUOTE(kuhfayLover @ Jul 12 2011, 12:38 AM)
Thx first, will pm u soon then wink.gif
*
ok..i wait for ur pm then...

This post has been edited by joeekh: Jul 12 2011, 01:03 AM
kuhfayLover
post Jul 12 2011, 01:08 AM

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Joeekh, u think does leasehold or freehold matter?
( pulling the topic back) smile.gif
joeekh
post Jul 12 2011, 01:19 AM

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QUOTE(kuhfayLover @ Jul 12 2011, 01:08 AM)
Joeekh, u think does leasehold or freehold matter?
( pulling the topic back) smile.gif
*
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..
tongue.gif
in a short...i wont too mind...

This post has been edited by joeekh: Jul 12 2011, 01:20 AM
CKHong
post Jul 12 2011, 09:15 AM

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QUOTE(kuhfayLover @ Jul 12 2011, 01:08 AM)
Joeekh, u think does leasehold or freehold matter?
( pulling the topic back) smile.gif
*
but if can choose.. go for freehold lur ~ easier to sell.. smile.gif
or if u plan to rent it for next time[not selling]
save your child $$ as they don't have to fork out money to extend the period tongue.gif
kuhfayLover
post Jul 12 2011, 09:29 AM

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QUOTE(joeekh @ Jul 12 2011, 01:19 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..
tongue.gif
in a short...i wont too mind...
*
long long time? the 4 years completion time is long enough for me, i won't know where i'll be after 4 years.
But if the location is good, i think even leasehold also doesn't matter, right?
Because if i still choose choose choose, years later i even more not afford to buy a house, where houses may increase to million. sad.gif


Added on July 12, 2011, 9:30 am
QUOTE(CKHong @ Jul 12 2011, 09:15 AM)
but if can choose.. go for freehold lur ~   easier to sell..  smile.gif
or if u plan to rent it for next time[not selling]
save your child $$ as they don't have to fork out money to extend the period  tongue.gif
*
yalo, freehold always make ppl feel more secure. smile.gif
But Sutera Maya still not my cup of tea. tongue.gif


Added on July 12, 2011, 9:35 amCkhong, why do u have the concern on withdrawing money from the loan account for reno? Because urs one is semi flexi? But still can take out anytime provided RM50 charges paid, right?

This post has been edited by kuhfayLover: Jul 12 2011, 09:35 AM
CKHong
post Jul 12 2011, 09:48 AM

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QUOTE(kuhfayLover @ Jul 12 2011, 09:29 AM)
lyalo, freehold always make ppl feel more secure.  smile.gif
But Sutera Maya still not my cup of tea.  tongue.gif


Added on July 12, 2011, 9:35 amCkhong, why do u have the concern on withdrawing money from the loan account for reno? Because urs one is semi flexi? But still can take out anytime provided RM50 charges paid, right?
*
aiyah.. failed sad.gif


Added on July 12, 2011, 9:50 am
QUOTE(kuhfayLover @ Jul 12 2011, 09:29 AM)
long long time? the 4 years completion time is long enough for me, i won't know where i'll be after 4 years.
But if the location is good, i think even leasehold also doesn't matter, right?
Because if i still choose choose choose, years later i even more not afford to buy a house, where houses may increase to million.  sad.gif


Added on July 12, 2011, 9:30 am

yalo, freehold always make ppl feel more secure.  smile.gif
But Sutera Maya still not my cup of tea.  tongue.gif


Added on July 12, 2011, 9:35 amCkhong, why do u have the concern on withdrawing money from the loan account for reno? Because urs one is semi flexi? But still can take out anytime provided RM50 charges paid, right?
*
no no.. i scare when i apply to get all my money from acc 2.. they bank in to loan account.. then i cannot get it out from the account..
its like in semi flexi..
u got loan account + current account..
u put in loan account.. u will never be able to take it out
put at current account.. u can take it out.. just got RM50 charges[this i don't really mind]

ok.. z res sifu told me zo.. 1st release.. kwsp will bank in to the saving account and not loan account.

This post has been edited by CKHong: Jul 12 2011, 09:52 AM
kuhfayLover
post Jul 12 2011, 09:56 AM

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QUOTE(CKHong @ Jul 12 2011, 09:48 AM)
no no.. i scare when i apply to get all my money from acc 2.. they bank in to loan account.. then i cannot get it out from the account..
its like in semi flexi..
u got loan account + current account..
u put in loan account.. u will never be able to take it out
put at current account.. u can take it out.. just got RM50 charges[this i don't really mind]

ok.. z res sifu told me zo.. 1st release.. kwsp will bank in to the saving account and not loan account.
*
Oh, then why do it have 2 accounts? whats the diff, if in this case, if i have extra, i rather put into the current account as it is more flexi, that i can take out anytime. Still, the loan balance is calculating from both account, right?
CKHong
post Jul 12 2011, 10:07 AM

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QUOTE(kuhfayLover @ Jul 12 2011, 09:56 AM)
Oh, then why do it have 2 accounts? whats the diff, if in this case, if i have extra, i rather put into the current account as it is more flexi, that i can take out anytime. Still, the loan balance is calculating from both account, right?
*
if i'm not mistaken
once u put in loan account
it means that straight deduct from ur total loan
eg : u loan 400k
u put 50k to loan account.. it means u loan 350k
but if u put 50k to current account.. it still mean u loan 400k.. just tat u save interest on the 50k u put in saving acc..
kuhfayLover
post Jul 12 2011, 10:19 AM

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QUOTE(CKHong @ Jul 12 2011, 10:07 AM)
if i'm not mistaken
once u put in loan account
it means that straight deduct from ur total loan
eg : u loan 400k
u put 50k to loan account.. it means u loan 350k
but if u put 50k to current account.. it still mean u loan 400k.. just tat u save interest on the 50k u put in saving acc..
*
If by using the excel sheet print screen from Joeekh previously, which column shall we put in this ?!
Example of =PMT(0.042/12,30*12,400000,0,0)
monthly payment = rm1956.07 every month for 30 years'

So, will it decrease the monthly payment if the 50K is put in loan account?

Need to ask Joeekh. Hmm, is Joeekh still sleeping?! hmm.gif

CKHong
post Jul 12 2011, 10:31 AM

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QUOTE(kuhfayLover @ Jul 12 2011, 10:19 AM)
If by using the excel sheet print screen from Joeekh previously, which column shall we put in this ?!
Example of =PMT(0.042/12,30*12,400000,0,0)
monthly payment = rm1956.07 every month for 30 years'

So, will it decrease the monthly payment if the 50K is put in loan account?

Need to ask Joeekh. Hmm, is Joeekh still sleeping?! hmm.gif
*
i think it won't decrease the monthly payment smile.gif
just tat u can finish it earlier..
it's like same concept

u borrow 400k
let say u borrow 30 years
after 20 yeras.. ur loan left 150k and then ur saving account has 150k [by that time it is zero interest]
u can either put the 150k and settle the loan.. or u take out $$ from the saving account.. and the do some other investment..
by this time u still have to pay the RM1956.07 loan repayment..
let say u don't touch the saving account 150k.. and this month u pay 1956.07
ur loan left 148040.93 and ur saving account has 150k.. interest is zero as well.. by this time u rugi RM1956 de deposit [better if u take out the money and then do some other investment.. FD also baik.. got few %]
joeekh
post Jul 12 2011, 10:33 AM

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QUOTE(kuhfayLover @ Jul 12 2011, 10:19 AM)
If by using the excel sheet print screen from Joeekh previously, which column shall we put in this ?!
Example of =PMT(0.042/12,30*12,400000,0,0)
monthly payment = rm1956.07 every month for 30 years'

So, will it decrease the monthly payment if the 50K is put in loan account?

Need to ask Joeekh. Hmm, is Joeekh still sleeping?! hmm.gif
*
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#
tongue.gif
kuhfayLover
post Jul 12 2011, 10:41 AM

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QUOTE(CKHong @ Jul 12 2011, 10:31 AM)
i think it won't decrease the monthly payment  smile.gif
just tat u can finish it earlier..
it's like same concept

u borrow 400k
let say u borrow 30 years
after 20 yeras.. ur loan left 150k and then ur saving account has 150k [by that time it is zero interest]
u can either put the 150k and settle the loan.. or u take out $$ from the saving account.. and the do some other investment..
by this time u still have to pay the RM1956.07 loan repayment..
let say u don't touch the saving account 150k.. and this month u pay 1956.07
ur loan left 148040.93 and ur saving account has 150k.. interest is zero as well.. by this time u rugi RM1956 de deposit [better if u take out the money and then do some other investment.. FD also baik.. got few %]
*
0 interest? will this happen? i don't think so , the most is lesser interest, as long as there is loan balance, there is interest of it. Correct to say so?


Added on July 12, 2011, 10:44 am
QUOTE(joeekh @ Jul 12 2011, 10:33 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#
tongue.gif
*
So it's better to put in the current than the loan account, right? seems not diff, current account is better some more, more flexible.
Joeekh, u loan 90%?
If the monthly payment is more than 30% of my monthly salary, will the bank approve on this?

i will pm u only, no say email/msn/hp tongue.gif



This post has been edited by kuhfayLover: Jul 12 2011, 10:44 AM
CKHong
post Jul 12 2011, 10:45 AM

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QUOTE(kuhfayLover @ Jul 12 2011, 10:41 AM)
0 interest? will this happen? i don't think so , the most is lesser interest, as long as there is loan balance, there is interest of it. Correct to say so?


Added on July 12, 2011, 10:44 am

So it's better to put in the current than the loan account, right?  seems not diff, current account is better some more, more flexible.
Joeekh, u loan 90%?
If the monthly payment is more than 30% of my monthly salary, will the bank approve on this?

i will pm u only, no say email/msn/hp  tongue.gif
*
what i mean by 0% interest is when
ur loan left 150k and then ur saving account.. throughout the 20 years.. u dump zo 150k
so 150k - 150k
ma 0% interest lur
correct me if i'm wrong bro joee
kuhfayLover
post Jul 12 2011, 10:48 AM

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QUOTE(CKHong @ Jul 12 2011, 10:45 AM)
what i mean by 0% interest is when
ur loan left 150k and then ur saving account.. throughout the 20 years.. u dump zo 150k
so 150k - 150k
ma 0% interest lur
correct me if i'm wrong bro joee
*
oh ya woh, u master on this already!! thumbup.gif
joeekh
post Jul 12 2011, 10:55 AM

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QUOTE(kuhfayLover @ Jul 12 2011, 10:41 AM)
So it's better to put in the current than the loan account, right?  seems not diff, current account is better some more, more flexible.
Joeekh, u loan 90%?
If the monthly payment is more than 30% of my monthly salary, will the bank approve on this?
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..
CKHong
post Jul 12 2011, 10:58 AM

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QUOTE(kuhfayLover @ Jul 12 2011, 10:48 AM)
oh ya woh, u master on this already!!  thumbup.gif
*
i didnt master le.. luan luan count oni..


Added on July 12, 2011, 11:00 am
QUOTE(joeekh @ Jul 12 2011, 10:55 AM)
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...
*
omg.. got this kind of bank one ah.. then tat means.. its not semi / fully flexi liao lo
since the extra money we dump inside cannot be taken out ><"
wa wa ask ask my pbb banker sin... but last time my pbb banker told me, we put in saving.. can take out one lar.. lol.. RM50 surcharge

This post has been edited by CKHong: Jul 12 2011, 11:00 AM
kuhfayLover
post Jul 12 2011, 11:04 AM

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QUOTE(joeekh @ Jul 12 2011, 10:55 AM)
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..
*
Wah, u really a good man! I don't believe that there is still good man out there! No no no, that's totally impossible! shakehead.gif tongue.gif

For withdrawing money epf, only 1st time withdrawal then only we can decide either go loan or current account? subsequent withdrawal?


Added on July 12, 2011, 11:06 am
QUOTE(CKHong @ Jul 12 2011, 10:58 AM)
omg.. got this kind of bank one ah.. then tat means.. its not semi / fully flexi liao lo
since the extra money we dump inside cannot be taken out  ><"
wa wa ask ask my pbb banker sin... but last time my pbb banker told me, we put in saving.. can take out one lar.. lol.. RM50 surcharge
Yala, better ask, i also wondering how they define the money for repayment and so called extra $ used to decrease the interest.




This post has been edited by kuhfayLover: Jul 12 2011, 11:06 AM
CKHong
post Jul 12 2011, 11:13 AM

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QUOTE(kuhfayLover @ Jul 12 2011, 11:04 AM)
For withdrawing money epf, only 1st time withdrawal then only we can decide either go loan or current account? subsequent withdrawal?
*
copied from z res thread
QUOTE(22222222 @ Jul 12 2011, 09:41 AM)
Bro, if 1st redraw, the money will go to your bank saving/current account, u can spend it to do anything you want.

Subsequently redraw will straight to your bank loan account. Of course you can work around it by month installment method, the money still can go to your saving/current account.  biggrin.gif
*
kuhfayLover
post Jul 12 2011, 11:54 AM

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got it, thx ckhong. wink.gif


Added on July 12, 2011, 1:16 pmWhat will u guys concern when go buy the house? What shall we ask/notice?
I went there ....then walk walk see see also don't know what to ask....

This post has been edited by kuhfayLover: Jul 12 2011, 01:16 PM
antichrist
post Jul 12 2011, 03:54 PM

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what kind of problem is suterea maya facing to build a sky garden?its a very simple garden, provided home flair sdn bhd will not build a swimming pool or a mini zoo up there, other wise i dont think DBKL will not Approve this concept.this is my view, what do u guys think?
joeekh
post Jul 12 2011, 04:02 PM

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QUOTE(kuhfayLover @ Jul 12 2011, 11:54 AM)
got it, thx ckhong. wink.gif


Added on July 12, 2011, 1:16 pmWhat will u guys concern when go buy the house? What shall we ask/notice?
I went there ....then walk walk see see also don't know what  to ask....
*
price..
build up
facing (east / west / north / south)
ceompletion..
downpayment (10% / 7% / 5%)
freehold / leasehold
developer
free gift
car park
density

CKHong
post Jul 12 2011, 04:07 PM

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http://forum.lowyat.net/topic/1483278/+20
wah wah go here see see the show house of The Elements
the high ceiling looks very bergaya..
last time i heard the agent told me.. sutera maya also high ceiling oh ~~
is it true ? [tonite i go back kap kap.. i didnt realise the high ceiling]
snp shud have stated the height of the unit rite?

cohee > for me.. the only concern is density + downpayment (early bird) + facing east + >1000 square feet + freehold
kuhfayLover
post Jul 12 2011, 04:17 PM

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QUOTE(joeekh @ Jul 12 2011, 04:02 PM)
price..
build up
facing (east / west / north / south)
ceompletion..
downpayment (10% / 7% / 5%)
freehold / leasehold
developer
free gift
car park
density
*
facing which side cost more expensive? feng shui ar?


Added on July 12, 2011, 4:19 pm
QUOTE(CKHong @ Jul 12 2011, 04:07 PM)
http://forum.lowyat.net/topic/1483278/+20
wah wah go here see see the show house of The Elements
the high ceiling looks very bergaya..
last time i heard the agent told me.. sutera maya also high ceiling oh ~~
is it true ?  [tonite i go back kap kap.. i didnt realise the high ceiling]
snp shud have stated the height of the unit rite?

cohee >  for me.. the only concern is density + downpayment (early bird) + facing east + >1000 square feet + freehold
*
why facing east?



This post has been edited by kuhfayLover: Jul 12 2011, 04:19 PM
antichrist
post Jul 12 2011, 04:22 PM

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QUOTE(kuhfayLover @ Jul 12 2011, 04:17 PM)
facing which side cost more expensive? feng shui ar?


Added on July 12, 2011, 4:19 pm

why facing east?
*
facing south is the most precious, no sunlight direct into ur house, meaning its less warm & hot.
also abit feng shui matter but yet, feng shui still depends on ur date of birth in lunar calendar.
CKHong
post Jul 12 2011, 04:23 PM

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QUOTE(kuhfayLover @ Jul 12 2011, 04:17 PM)
facing which side cost more expensive? feng shui ar?


Added on July 12, 2011, 4:19 pm

why facing east?
*
i dun like face west.. cus it is hot tongue.gif at nite smile.gif cus i think if ur unit keep on got matahari shoot inside.. then at nite.. ur will be hotter [my gf instinct]
i want to have morning sun [for sidai baju]
so i will prefer east > north/south > west

QUOTE(antichrist @ Jul 12 2011, 04:22 PM)
facing south is the most precious, no sunlight direct into ur house, meaning its less warm & hot.
also abit feng shui matter but yet, feng shui still depends on ur date of birth in lunar calendar.
*
wa wa.. i didnt go count the feng shui based on my birth oh.. bro u got go count ur DOB is good in facing south? yeng ~

This post has been edited by CKHong: Jul 12 2011, 04:24 PM
kuhfayLover
post Jul 12 2011, 04:47 PM

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QUOTE(CKHong @ Jul 12 2011, 04:23 PM)
i dun like face west.. cus it is hot  tongue.gif  at nite  smile.gif  cus i think if ur unit keep on got matahari shoot inside.. then at nite.. ur will be hotter [my gf instinct]
i want to have morning sun [for sidai baju]
so i will prefer east > north/south > west
wa wa.. i didnt go count the feng shui based on my birth oh.. bro u got go count ur DOB is good in facing south? yeng ~
*
How do u know urs one is facing east? by asking the sales person or how to check?


Added on July 12, 2011, 4:48 pmIf the unit is facing garden/swimming pool, also better feng shui ?

This post has been edited by kuhfayLover: Jul 12 2011, 04:48 PM
CKHong
post Jul 12 2011, 05:30 PM

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QUOTE(kuhfayLover @ Jul 12 2011, 04:47 PM)
How do u know urs one is facing east? by asking the sales person or how to check?


Added on July 12, 2011, 4:48 pmIf the unit is facing garden/swimming pool, also better feng shui ?
*
when u see the unit plan.. u can know edi.. got stated.. north south east west is where..
duno why unit facing garden/swimming pool more expensive lol.. feng shui i not sure
joeekh
post Jul 12 2011, 05:31 PM

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QUOTE(kuhfayLover @ Jul 12 2011, 04:47 PM)
How do u know urs one is facing east? by asking the sales person or how to check?


Added on July 12, 2011, 4:48 pmIf the unit is facing garden/swimming pool, also better feng shui ?
*
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...
antichrist
post Jul 12 2011, 06:18 PM

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QUOTE(kuhfayLover @ Jul 12 2011, 04:47 PM)
How do u know urs one is facing east? by asking the sales person or how to check?


Added on July 12, 2011, 4:48 pmIf the unit is facing garden/swimming pool, also better feng shui ?
*
feng shui is a very depends on individual matter, to someone its good but to others it could be no good & its keep on rotating issue, unit with swimming pool simply bcos the scenery look more merrier, especially evening kids playing & swim over there, instead of a condo with dead silence.
kuhfayLover
post Jul 12 2011, 10:26 PM

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QUOTE(joeekh @ Jul 12 2011, 05:31 PM)
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...
*
sinshang, that's why i said go there walk walk see see also don;t know what to do. tongue.gif
But, i remember when i see the model, no indication there o. hmm.gif


Added on July 12, 2011, 10:33 pm
QUOTE(antichrist @ Jul 12 2011, 06:18 PM)
feng shui is a very depends on individual matter, to someone its good but to others it could be no good & its keep on rotating issue, unit with swimming pool simply bcos the scenery look more merrier, especially evening kids playing & swim over there, instead of a condo with dead silence.
*
Ya, very subjective, but it's still a point to consider, at least not to choose the west one, unless no choice la.



This post has been edited by kuhfayLover: Jul 12 2011, 10:33 PM
joeekh
post Jul 12 2011, 11:33 PM

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QUOTE(kuhfayLover @ Jul 12 2011, 10:26 PM)
sinshang, that's why i said go there walk walk see see also don;t know what to do. tongue.gif
But, i remember when i see the model, no indication there o.  hmm.gif
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..
kuhfayLover
post Jul 12 2011, 11:37 PM

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QUOTE(joeekh @ Jul 12 2011, 11:33 PM)
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..
*
the whole building's model ar? didn't notice o.
see where the balcony facing ar? not see where the master room facing ar? that's the room we sleep o.


joeekh
post Jul 12 2011, 11:41 PM

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QUOTE(kuhfayLover @ Jul 12 2011, 11:37 PM)
the whole building's model ar? didn't notice o.
see where the balcony facing ar? not see where the master room facing ar? that's the room we sleep o.
*
most of project will hv master room & balcony facing same direction...
kuhfayLover
post Jul 12 2011, 11:44 PM

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QUOTE(joeekh @ Jul 12 2011, 11:41 PM)
most of project will hv master room & balcony facing same direction...
*
some feng shui saying need to see where the main door facing too.
sigh, so many to check. sweat.gif
joeekh
post Jul 12 2011, 11:52 PM

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QUOTE(kuhfayLover @ Jul 12 2011, 11:44 PM)
some feng shui saying need to see where the main door facing too.
sigh, so many to check.  sweat.gif
*
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..
kuhfayLover
post Jul 12 2011, 11:55 PM

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QUOTE(joeekh @ Jul 12 2011, 11:52 PM)
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..
*
yala, yala.
Already have one in my mind. smile.gif
Just try to do more homework.


joeekh
post Jul 12 2011, 11:59 PM

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QUOTE(kuhfayLover @ Jul 12 2011, 11:55 PM)
yala, yala.
Already have one in my mind.  smile.gif
Just try to do more homework.
*
mana mana..
share share..
brows.gif
kuhfayLover
post Jul 13 2011, 12:04 AM

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QUOTE(joeekh @ Jul 12 2011, 11:59 PM)
mana mana..
share share..
brows.gif
*
Z resi, good? brows.gif


joeekh
post Jul 13 2011, 12:09 AM

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QUOTE(kuhfayLover @ Jul 13 2011, 12:04 AM)
Z resi, good? brows.gif
*
come come be my neighbour...
biggrin.gif
cutealex
post Jul 13 2011, 12:17 AM

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QUOTE(joeekh @ Jul 13 2011, 12:09 AM)
come come be my neighbour...
biggrin.gif
*
cannot become your neighbour.... she must buy u 1 level lower....becos your 'wild tiger' is watching you... rclxms.gif


kuhfayLover
post Jul 13 2011, 12:18 AM

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What is Early Settlement penalty?


Added on July 13, 2011, 12:19 am
QUOTE(cutealex @ Jul 13 2011, 12:17 AM)
cannot become your neighbour.... she must buy u 1 level lower....becos your 'wild tiger' is watching you... rclxms.gif
*
haha, like that totally can't buy there lo.

This post has been edited by kuhfayLover: Jul 13 2011, 12:19 AM
cutealex
post Jul 13 2011, 12:22 AM

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QUOTE(kuhfayLover @ Jul 13 2011, 12:18 AM)
What is Early Settlement penalty?


Added on July 13, 2011, 12:19 am

haha, like that totally can't buy there lo.
*
early settlement? ask your Banker explain to you during signing Bank LO.
joeekh
post Jul 13 2011, 12:25 AM

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QUOTE(cutealex @ Jul 13 2011, 12:22 AM)
early settlement? ask your Banker explain to you during signing Bank LO.
*
aiksss..
no longer put me on table for this question...
kuhfayLover
post Jul 13 2011, 12:26 AM

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QUOTE(cutealex @ Jul 13 2011, 12:22 AM)
early settlement? ask your Banker explain to you during signing Bank LO.
*
ur reply should be : "ask joeekh, he expert" something like that ma.

cutealex
post Jul 13 2011, 12:27 AM

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QUOTE(joeekh @ Jul 13 2011, 12:25 AM)
aiksss..
no longer put me on table for this question...
*
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? whistling.gif
kuhfayLover
post Jul 13 2011, 12:29 AM

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QUOTE(cutealex @ Jul 13 2011, 12:27 AM)
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? whistling.gif
*
o, good question, i really don't know.
Let me go google a while on this before pass the ques to joeekh. wink.gif
joeekh
post Jul 13 2011, 12:33 AM

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QUOTE(kuhfayLover @ Jul 13 2011, 12:29 AM)
o, good question, i really don't know.
Let me go google a while on this before pass the ques to joeekh.  wink.gif
*
kns alex...
i dnno anything abt mrta vs mlta de...
cutealex
post Jul 13 2011, 12:35 AM

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QUOTE(joeekh @ Jul 13 2011, 12:33 AM)
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... thumbup.gif
kuhfayLover
post Jul 13 2011, 12:38 AM

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QUOTE(cutealex @ Jul 13 2011, 12:35 AM)
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... thumbup.gif
*
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. brows.gif
hmm, correct ar? tongue.gif
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
joeekh
post Jul 13 2011, 12:40 AM

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QUOTE(kuhfayLover @ Jul 13 2011, 12:38 AM)
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.  brows.gif
hmm, correct ar?  tongue.gif
*
u too underestimate her liao..
see see...
she knw de...
no need me explain liao...
cool2.gif
cutealex
post Jul 13 2011, 12:41 AM

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QUOTE(kuhfayLover @ Jul 13 2011, 12:38 AM)
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.  brows.gif
hmm, correct ar?  tongue.gif
*
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


Added on July 13, 2011, 12:44 am
QUOTE(joeekh @ Jul 13 2011, 12:40 AM)
u too underestimate her liao..
see see...
she knw de...
no need me explain liao...
cool2.gif
*
nope...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
kuhfayLover
post Jul 13 2011, 12:44 AM

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QUOTE(cutealex @ Jul 13 2011, 12:41 AM)
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
*
o, i got it wrong then. blush.gif
nvm, i will do some homework tomorrow and continue on this topic. wink.gif



joeekh
post Jul 13 2011, 12:45 AM

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QUOTE(cutealex @ Jul 13 2011, 12:41 AM)
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


Added on July 13, 2011, 12:44 am
nope...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
*
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..
icon_question.gif
kuhfayLover
post Jul 13 2011, 12:46 AM

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QUOTE(cutealex @ Jul 13 2011, 12:41 AM)

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


cutealex
post Jul 13 2011, 12:48 AM

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QUOTE(kuhfayLover @ Jul 13 2011, 12:46 AM)
i don't like "spoon feed", unless really can't find it practically then will disturb u sifu sifu.  wink.gif
*
i like it... nod.gif


Added on July 13, 2011, 1:11 am
QUOTE(joeekh @ Jul 13 2011, 12:45 AM)
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..
icon_question.gif
*
Jooekh & Kuhlaylover... hope this help u...

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

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

This post has been edited by cutealex: Jul 13 2011, 01:11 AM
CKHong
post Jul 13 2011, 08:42 AM

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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.. tongue.gif
MLTA + MRTA face to face talk will be easier to explain smile.gif

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.
kuhfayLover
post Jul 13 2011, 08:53 AM

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Guys, i found this, for early settlement topic:

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


Added on July 13, 2011, 8:56 am
QUOTE(CKHong @ Jul 13 2011, 08:42 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..  tongue.gif
MLTA + MRTA face to face talk will be easier to explain  smile.gif

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.
*
ckhong, 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. thumbup.gif






This post has been edited by kuhfayLover: Jul 13 2011, 08:56 AM
CKHong
post Jul 13 2011, 09:03 AM

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QUOTE(kuhfayLover @ Jul 13 2011, 08:53 AM)
ckhong, 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.  thumbup.gif
*
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..

kuhfayLover
post Jul 13 2011, 09:08 AM

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QUOTE(CKHong @ Jul 13 2011, 09:03 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
CKHong
post Jul 13 2011, 09:17 AM

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QUOTE(kuhfayLover @ Jul 13 2011, 09:08 AM)
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?!
*
haha.. didnt read the link u posted..
macam veli long hahahah
cutealex
post Jul 13 2011, 09:31 AM

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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 smile.gif
kuhfayLover
post Jul 13 2011, 09:35 AM

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QUOTE(cutealex @ Jul 13 2011, 09:31 AM)
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 smile.gif
*
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. tongue.gif


Added on July 13, 2011, 9:36 am
QUOTE(CKHong @ Jul 13 2011, 09:17 AM)
haha.. didnt read the link u posted..
macam veli long hahahah
*
malas !! mad.gif mad.gif
we need someone to clarify o. icon_question.gif





This post has been edited by kuhfayLover: Jul 13 2011, 09:36 AM
antichrist
post Jul 13 2011, 10:42 AM

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does anyone have any update for roof garden?
seanooi880327
post Jul 13 2011, 11:29 AM

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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.
CKHong
post Jul 13 2011, 12:36 PM

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QUOTE(seanooi880327 @ Jul 13 2011, 11:29 AM)
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.
*
ehh.. process is slow ah sad.gif
they haven't get the first 10% from the bank.. aish.. i'm waiting for them to get the first 10% from the bank then i'll drive there and have a look tongue.gif
cutealex
post Jul 13 2011, 12:39 PM

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QUOTE(CKHong @ Jul 13 2011, 12:36 PM)
ehh.. process is slow ah  sad.gif
they haven't get the first 10% from the bank.. aish.. i'm waiting for them to get the first 10% from the bank then i'll drive there and have a look  tongue.gif
*
Relax ... so kam cheong meh... release 10% then drive there take a look shocking.gif
CKHong
post Jul 13 2011, 12:40 PM

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QUOTE(cutealex @ Jul 13 2011, 12:39 PM)
Relax ... so kam cheong meh... release 10% then drive there take a look  shocking.gif
*
1st props maa.. LOL..
veli gan jeong one hahahahahhahaa..
somemore not very far oni.. if no jam.. from the place i stay go there.. no need 15 mins~
cutealex
post Jul 13 2011, 12:42 PM

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QUOTE(CKHong @ Jul 13 2011, 12:40 PM)
1st props maa.. LOL..
veli gan jeong one  hahahahahhahaa..
somemore not very far oni.. if no jam.. from the place i stay go there.. no need 15 mins~
*
next time u can become Vice President in JMB Sutera Maya flex.gif
kuhfayLover
post Jul 13 2011, 12:44 PM

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QUOTE(CKHong @ Jul 13 2011, 12:40 PM)
1st props maa.. LOL..
veli gan jeong one  hahahahahhahaa..
somemore not very far oni.. if no jam.. from the place i stay go there.. no need 15 mins~
*
haha, i can feel the excitement from u, know u so long also haven't congrats u, congratulations!! tongue.gif
maybe can go there take some photos and share with sutera maya owner here. smile.gif
cutealex
post Jul 13 2011, 12:48 PM

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QUOTE(kuhfayLover @ Jul 13 2011, 12:44 PM)
haha, i can feel the excitement from u, know u so long also haven't congrats u, congratulations!!  tongue.gif
maybe can go there take some photos and share with sutera maya owner here.  smile.gif
*
cakap orang then when is your turn? saw u joined here since May...so where & when you plan to grab 1 for 1st property? how your survey?
seanooi880327
post Jul 13 2011, 12:59 PM

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QUOTE(CKHong @ Jul 13 2011, 12:40 PM)
1st props maa.. LOL..
veli gan jeong one  hahahahahhahaa..
somemore not very far oni.. if no jam.. from the place i stay go there.. no need 15 mins~
*
CK, no nid nervous, just relax..,.
If i free, i will help you to snap pic and update you all the time... biggrin.gif
CKHong
post Jul 13 2011, 01:24 PM

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QUOTE(antichrist @ Jul 13 2011, 10:42 AM)
does anyone have any update for roof garden?
*
duno about the roof garden yet.. maybe u can ask ask clement ? smile.gif
then know the answer zo pls update here hehe.. thx~


Added on July 13, 2011, 1:24 pm
QUOTE(cutealex @ Jul 13 2011, 12:42 PM)
next time u can become Vice President in JMB Sutera Maya  flex.gif
*
no no.. i duwan do that.. i'm a lazy person..


Added on July 13, 2011, 1:25 pm
QUOTE(kuhfayLover @ Jul 13 2011, 12:44 PM)
haha, i can feel the excitement from u, know u so long also haven't congrats u, congratulations!!  tongue.gif
maybe can go there take some photos and share with sutera maya owner here.  smile.gif
*
ohh okie.. will do hehe..


Added on July 13, 2011, 1:26 pm
QUOTE(seanooi880327 @ Jul 13 2011, 12:59 PM)
CK, no nid nervous, just relax..,.
If i free, i will help you to snap pic and update you all the time... biggrin.gif
*
wah wah.. thank u very much.. if u got snap some photo and post it here.. it will be appreciated !! since u go to work got pass by.. rclxms.gif

This post has been edited by CKHong: Jul 13 2011, 01:26 PM
kuhfayLover
post Jul 13 2011, 01:41 PM

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QUOTE(cutealex @ Jul 13 2011, 12:48 PM)
cakap orang then when is your turn? saw u joined here since May...so where & when you plan to grab 1 for 1st property? how your survey?
*
as u said, may, just 2 months survey, where got so fast, hopefully soon to be.
But, at least my property knowledge is much more improved, not the blur one anymore! cool2.gif

cutealex
post Jul 13 2011, 02:08 PM

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QUOTE(kuhfayLover @ Jul 13 2011, 01:41 PM)
as u said, may, just 2 months survey, where got so fast, hopefully soon to be.
But, at least my property knowledge is much more improved, not the blur one anymore!  cool2.gif
*
sweat.gif 2 months for survey ... shocking.gif
kuhfayLover
post Jul 13 2011, 02:45 PM

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QUOTE(cutealex @ Jul 13 2011, 12:48 AM)
i like it... nod.gif


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

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

pls note some even can claim & rebate on ur personal Income tax yo~ wink.gif
*

'

really confusing! rclxub.gif
The main reason of con of MRTA is it's not allow to refinance/non-transferable, but now seems some bank do allow this, is it? The payment for MRTA and MLTA is so much diff !



cutealex
post Jul 13 2011, 04:34 PM

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QUOTE(kuhfayLover @ Jul 13 2011, 02:45 PM)
'

really confusing!  rclxub.gif
The main reason of con of MRTA is it's not allow to refinance/non-transferable, but now seems some bank do allow this, is it? The payment for MRTA and MLTA is so much diff !
*
Now you know what i meant .... but basically very simply...

i even can simply draw and explain the differences...
joeekh
post Jul 13 2011, 10:37 PM

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QUOTE(cutealex @ Jul 13 2011, 04:34 PM)
Now you know what i meant .... but basically very simply...

i even can simply draw and explain the differences...
*
i feel very lazy to explain the diff between mrta & mlta..
alex..u explain to her la...
nod.gif
cutealex
post Jul 13 2011, 11:01 PM

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no lah...no buy house no need to know so much first...
aalex2888
post Jul 13 2011, 11:22 PM

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QUOTE(antichrist @ Jul 6 2011, 11:22 AM)
if loan approved then i'll be ur neighbour in 2013..
u have any idea what is the income requirement for 2 person loan application?
*
Bro Antichrist....
JUst like normal single name loan......getting loan from Public bank. Better offer and try to get waive of set-up fee.

kuhfayLover
post Jul 13 2011, 11:23 PM

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know first before buy house, later kelam kabut. wink.gif
joeekh
post Jul 13 2011, 11:24 PM

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QUOTE(cutealex @ Jul 13 2011, 11:01 PM)
no lah...no buy house no need to know so much first...
*
damn tired today..
lot of work nt yet settle..
shit..off topic very very far..
tongue.gif
cutealex
post Jul 13 2011, 11:42 PM

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QUOTE(kuhfayLover @ Jul 13 2011, 11:23 PM)
know first before buy house, later kelam kabut. wink.gif
*
the way u talk like...have not buy "iphone 4" but always hang around all floor of Lowyat plaza to survey the "iphone Cover" .... doh.gif
kuhfayLover
post Jul 13 2011, 11:43 PM

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QUOTE(cutealex @ Jul 13 2011, 11:42 PM)
the way u talk like...have not buy "iphone 4" but always hang around all floor of Lowyat plaza to survey the "iphone Cover" .... doh.gif
*
No, not the cover but all the good apps and jailbreaking steps... tongue.gif


cutealex
post Jul 13 2011, 11:45 PM

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tomorrow & Sat i got ticket for Liverpool vs Malaysia (tiger) in Bukit JAlil...

tomorrow i will going there on 5pm..
keithcky
post Jul 13 2011, 11:51 PM

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QUOTE(cutealex @ Jul 13 2011, 11:42 PM)
the way u talk like...have not buy "iphone 4" but always hang around all floor of Lowyat plaza to survey the "iphone Cover" .... doh.gif
*
biggrin.gif biggrin.gif


Added on July 13, 2011, 11:52 pm
QUOTE(cutealex @ Jul 13 2011, 11:45 PM)
tomorrow & Sat i got ticket for Liverpool vs Malaysia (tiger) in Bukit JAlil...

tomorrow i will going there on 5pm..
*
tomolo (thursday) ka?

Liverpool at china now



This post has been edited by keithcky: Jul 13 2011, 11:52 PM
cutealex
post Jul 13 2011, 11:55 PM

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Liverpool will be at Malaysia.. no worry
joeekh
post Jul 13 2011, 11:57 PM

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QUOTE(cutealex @ Jul 13 2011, 11:55 PM)
Liverpool will be at Malaysia.. no worry
*
macam off topic aje..
damn..hungry..nt yet dinner..
anyone for late dinner..?


Added on July 14, 2011, 12:27 amkns alex...
bila belanja lim teh..

This post has been edited by joeekh: Jul 14 2011, 12:27 AM
keithcky
post Jul 14 2011, 12:35 AM

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QUOTE(joeekh @ Jul 13 2011, 11:57 PM)
macam off topic aje..
damn..hungry..nt yet dinner..
anyone for late dinner..?


Added on July 14, 2011, 12:27 amkns alex...
bila belanja lim teh..
*
Alex tomolo belanja makan hot dog minum cola, watch liverpool loh biggrin.gif biggrin.gif


joeekh
post Jul 14 2011, 12:46 AM

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QUOTE(keithcky @ Jul 14 2011, 12:35 AM)
Alex tomolo belanja makan hot dog minum cola, watch liverpool loh  biggrin.gif  biggrin.gif
*
he sengaja offline jor,,
avoiding my question...
mad.gif
seanooi880327
post Jul 14 2011, 08:44 AM

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QUOTE(cutealex @ Jul 13 2011, 11:45 PM)
tomorrow & Sat i got ticket for Liverpool vs Malaysia (tiger) in Bukit JAlil...

tomorrow i will going there on 5pm..
*
same here, but i only go for the saturday game....
cutealex
post Jul 14 2011, 09:19 AM

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QUOTE(keithcky @ Jul 14 2011, 12:35 AM)
Alex tomolo belanja makan hot dog minum cola, watch liverpool loh  biggrin.gif  biggrin.gif
*
- offtopic a bit (bukit jalil near this Sutea maya ma...)hhehehe
- you this two persons Jooekh & Keithcky...dunno Shy ... two big Guys (lou yeah) bully me this young kids...

joeekh
post Jul 14 2011, 10:42 AM

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QUOTE(cutealex @ Jul 14 2011, 09:19 AM)
- offtopic a bit (bukit jalil near this Sutea maya ma...)hhehehe
- you this two persons Jooekh & Keithcky...dunno Shy ... two big Guys (lou yeah) bully me this young kids...
*
dei..
u sendiri also louyeah..
somemore u own 1/2 the building..
ask to belanja lim teh also kamsiap...
cheh...
CKHong
post Jul 14 2011, 05:12 PM

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QUOTE(joeekh @ Jul 14 2011, 10:42 AM)
dei..
u sendiri also louyeah..
somemore u own 1/2 the building..
ask to belanja lim teh also kamsiap...
cheh...
*
off topic till holland edi tongue.gif
antichrist
post Jul 17 2011, 11:14 AM

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hi...currently ambank officer has offer me a islamic loan, which is semi flexi loan wit 50% discount on stamp duty for 1st property and wondering what is the catch of this package?does anybody come across with this plan?
CKHong
post Jul 17 2011, 01:55 PM

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QUOTE(antichrist @ Jul 17 2011, 11:14 AM)
hi...currently ambank officer has offer me a islamic loan, which is semi flexi loan wit 50% discount on stamp duty for 1st property and wondering what is the catch of this package?does anybody come across with this plan?
*
50% discount on stamp duty is applicable for 300 or 400k below..
i dun think is applicable for u..
somemore agent told me that the developer already bare the 50% on stamp duty.. (u can ask ask clement gor gor for clarify)
whats the offer from ambank? BLR - x?

just scan thru my snp.. didnt stated how high is the ceiling lol.. or maybe i can't find it stated where..

This post has been edited by CKHong: Jul 17 2011, 01:56 PM
cutealex
post Jul 17 2011, 02:03 PM

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QUOTE(CKHong @ Jul 17 2011, 01:55 PM)
50% discount on stamp duty is applicable for 300 or 400k below..
i dun think is applicable for u..
somemore agent told me that the developer already bare the 50% on stamp duty.. (u can ask ask clement gor gor for clarify)
whats the offer from ambank? BLR - x?

just scan thru my snp.. didnt stated how high is the ceiling  lol.. or maybe i can't find it stated where..
*
RM350k and below

This post has been edited by cutealex: Jul 17 2011, 02:03 PM
CKHong
post Jul 18 2011, 09:16 AM

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my snp stated

124.48m(square) / 1341 ft(square)

is the 124.48 is the height?? anyone know?
cutealex
post Jul 18 2011, 08:19 PM

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QUOTE(CKHong @ Jul 18 2011, 09:16 AM)
my snp stated

124.48m(square) / 1341 ft(square)

is the 124.48 is the height?? anyone know?
*
Sorry,i m at outside,dont have calculator...tat should be not height...should be 124.48m2 =1341sqft...u overlook the '2'?? Is m2?
CKHong
post Jul 18 2011, 09:01 PM

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QUOTE(cutealex @ Jul 18 2011, 08:19 PM)
Sorry,i m at outside,dont have calculator...tat should be not height...should be 124.48m2 =1341sqft...u overlook the '2'?? Is m2?
*
ohh... thats the equivalent to 1341sqft oh..
aish.. then didnt stated how tall is the ceiling.. haha.. thx alex.. smile.gif
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post Jul 18 2011, 09:22 PM

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QUOTE(CKHong @ Jul 18 2011, 09:01 PM)
ohh... thats the equivalent to 1341sqft oh..
aish.. then didnt stated how tall is the ceiling.. haha.. thx alex.. smile.gif
*
see..alex very nice de..
if got knw any gal..shud intro to him...
nice..loaded..hansem...
biggrin.gif
cutealex
post Jul 18 2011, 09:26 PM

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QUOTE(joeekh @ Jul 18 2011, 09:22 PM)
see..alex very nice de..
if got knw any gal..shud intro to him...
nice..loaded..hansem...
biggrin.gif
*
fella...how u know i'm hansem leh? lolz...i am fat & dark one...not nice (becos always been bully by Jooekh kor)... and no $$$.... very headache...
white cam
post Jul 18 2011, 09:30 PM

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QUOTE(cutealex @ Jul 18 2011, 09:26 PM)
fella...how u know i'm hansem leh? lolz...i am fat & dark one...not nice (becos always been bully by Jooekh kor)... and no $$$.... very headache...
*
be confidence laa
cutealex
post Jul 18 2011, 09:32 PM

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QUOTE(white cam @ Jul 18 2011, 09:30 PM)
be confidence laa
*
Suddenly white cam come into the picture...

thanks for your support...so how about your 1st buy property? PV2... or this Sutera maya?

Where is the Fuhlaylover(coffee gal)...maybe go Kajang/Seminyih to survey home...eheheh (become bad boy jor)
kuhfayLover
post Jul 18 2011, 09:35 PM

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QUOTE(cutealex @ Jul 18 2011, 09:32 PM)
Suddenly white cam come into the picture...

thanks for your support...so how about your 1st buy property? PV2... or this Sutera maya?

Where is the Fuhlaylover(coffee gal)...maybe go Kajang/Seminyih to survey home...eheheh (become bad boy jor)
*
What! Never spell my name correctly.. shakehead.gif
Anyway, journey haven't reach Kajang/Seminyih yet tongue.gif

This post has been edited by kuhfayLover: Jul 18 2011, 09:36 PM
cutealex
post Jul 18 2011, 09:41 PM

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QUOTE(kuhfayLover @ Jul 18 2011, 09:35 PM)
What! Never spell my name correctly.. shakehead.gif 
Anyway, journey haven't reach Kajang/Seminyih yet tongue.gif
*
Welcome back....Jooekh , CkHong and KuhFayLover .....you all are 3 Stars over there....
joeekh
post Jul 18 2011, 09:42 PM

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QUOTE(cutealex @ Jul 18 2011, 09:26 PM)
fella...how u know i'm hansem leh? lolz...i am fat & dark one...not nice (becos always been bully by Jooekh kor)... and no $$$.... very headache...
*
i where got dare bully u...i still need u for my 1st investment after my zr..
smmore if u no $$, then all ppl in this world need to beg for living liao..
kuhfayLover
post Jul 18 2011, 09:47 PM

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yala, buy house like buying veggie, still dare to say no $$ mad.gif


cutealex
post Jul 18 2011, 09:52 PM

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See...Jooekh kor & KuhLayLover jie alliance and bully me..
joeekh
post Jul 18 2011, 10:32 PM

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QUOTE(cutealex @ Jul 18 2011, 09:52 PM)
See...Jooekh kor & KuhLayLover jie alliance and bully me..
*
this oso consider buli u...
then u everyday buli me that part how to count..?

kuhfayLover
post Jul 18 2011, 10:37 PM

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please count for my part too. tongue.gif
cutealex
post Jul 18 2011, 10:46 PM

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Alex = sweat.gif

Jooekh & KuhlayLover = cheers.gif
joeekh
post Jul 18 2011, 11:00 PM

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QUOTE(cutealex @ Jul 18 2011, 10:46 PM)
Alex = sweat.gif 

Jooekh & KuhlayLover = cheers.gif
*
me & kuhfay = 最佳拍檔
u dont jeles ok...
kuhfay, gimme 5
kuhfayLover
post Jul 18 2011, 11:21 PM

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No no no, we all are sutera maya supporter! smile.gif
cutealex
post Jul 18 2011, 11:23 PM

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nod.gif
antichrist
post Jul 19 2011, 05:55 PM

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hell yeah, i'm u guys' neighbour!
CKHong
post Jul 19 2011, 06:04 PM

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QUOTE(antichrist @ Jul 19 2011, 05:55 PM)
hell yeah, i'm u guys' neighbour!
*
yeah ~~~~
congrats ~~ block ? floor ? unit ? hahahhahahaaa
antichrist
post Jul 19 2011, 10:40 PM

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QUOTE(CKHong @ Jul 19 2011, 06:04 PM)
yeah ~~~~
congrats ~~  block ? floor ? unit ? hahahhahahaaa
*
block A, 2nd floor, u?
kuhfayLover
post Jul 19 2011, 10:44 PM

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congrats, antichrist, finally a real sutera maya buyer. tongue.gif
CKHong
post Jul 19 2011, 10:45 PM

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QUOTE(antichrist @ Jul 19 2011, 10:40 PM)
block A, 2nd floor, u?
*
Block B 5-3 biggrin.gif
woh woh.. nice choice! so u choose the 430k tat one ? or facing pool one.. 440k ?
antichrist
post Jul 20 2011, 06:41 AM

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rm429k, the corner, facing out, i'm wondering, is it possible that I go to the site & snap photos?will i get stop by contractor if i tell them i'm purchaser?
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post Jul 20 2011, 09:02 AM

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QUOTE(antichrist @ Jul 20 2011, 06:41 AM)
rm429k, the corner, facing out, i'm wondering, is it possible that I go to the site & snap photos?will i get stop by contractor if i tell them i'm purchaser?
*
ask ur agent open for u smile.gif
last time clement ask the contractor open the door for me to have a look
will be nice if u're able to snap some photo and post it here biggrin.gif
oh yeah.. antichrist.. if the developer charge the first 10% from you already/send u a letter notifying the 10% they will get from bank..pls post it here..
i will do that as well once i got the letter
cus once we get notify from the developer, we have to make sure that our bank is ready to release the $$ to the developer. Failed to do so will be charged by the developer.

This post has been edited by CKHong: Jul 20 2011, 09:04 AM
cutealex
post Jul 20 2011, 12:22 PM

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QUOTE(kuhfayLover @ Jul 19 2011, 10:44 PM)
congrats, antichrist, finally a real sutera maya buyer. tongue.gif
*
Hi Coffee gal...

Yo~~finally CkHong find a Sutera buyer (antichrist) here.. Congratz to both of you...

sorry if the Kuhfaylover (coffee gal) & Jooekh kor always kacau here...no worry they will continue the spirit to bump the thread (including me)... lolz
CKHong
post Jul 20 2011, 12:32 PM

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QUOTE(cutealex @ Jul 20 2011, 12:22 PM)
Hi Coffee gal...

Yo~~finally CkHong find a Sutera buyer (antichrist) here.. Congratz to both of you...

sorry if the Kuhfaylover (coffee gal) & Jooekh kor always kacau here...no worry they will continue the spirit to bump the thread (including me)... lolz
*
currently keep on bumping till crazy.. got pancing dou antichrist become my neighbour only..
other lowyat forumers macam not so interest liao..
cohee.. come come buy sutera smile.gif
cutealex
post Jul 20 2011, 12:36 PM

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QUOTE(CKHong @ Jul 20 2011, 12:32 PM)
currently keep on bumping till crazy.. got pancing dou antichrist become my neighbour only..
other lowyat forumers macam not so interest liao..
cohee.. come come buy sutera  smile.gif
*
yes...perhaps you should "Pancing" this KuhfayLover.. then she can buy opposite of your unit then you everyday can see her...

Coffee gal might be a hot chick!! brows.gif (not color wolf ya)... wub.gif

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