nooo.. what i mean is, i need to fork out another 6k (cash) since i cannot be included in loannnn..

Wah?still need pay another 6k?
Who is ur banker?ambank?

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Added on May 23, 2011, 10:18 pmPb bank can inc legal fee?

This post has been edited by pkwei4138: May 23 2011, 10:18 PM

legal fee + MRTA fee + 4% of ur prop price......

where to dig out these $$??

that's the thing. last time said can include. now cannot. i ask why. suddenly inform me donno. she just joined ambank. lame excuse.

although, it's just plus minus. but hv to come out with another 6k. dergh!

dibs or non dibs?
worst come to worst then we hv to pay coz no choice unless other bank offer better package

MRTA is not compulsory

or is it u loan already max?? cz the banker told me legal fee or MRTA can included.

Do you have any Life Insurances = MLTA? can replace for MRTA , print 1st page of your policy give it your bank agent

May i who is ur banker name? I very scare lo. If need pay another 6k.

This post has been edited by pkwei4138: May 23 2011, 10:30 PM

you can refinance your loan legal fees & MRTA...check with your SA to get more details.
Thanks.

bro, i tot we need to fork out another 4% of the prop price as we ony get 90% loan?

-- booking 1%
-- discount 5%

so we need to pay another 4% during S&P sign, correct me if i m wrong...newbies n noob here too

This 1 no need check with SA , they also cannot promise anything . Need to deal with banker

[quote=adrian0229,May 23 2011, 10:23 PM]
dibs or non dibs?
worst come to worst then we hv to pay coz no choice unless other bank offer better package

[/quote]

yea lorr. have to pay. and just now got news from cimb as well. can include the mrta + legal fee in loan but have to use the board rate (wth is this?) No DIBS and BLR-1.9 oni.


[quote=jacob888,May 23 2011, 10:23 PM]
MRTA is not compulsory

[/quote]

for ambank. the lo said it's compulsory to take. any advice? am nooobbb

[quote=kienfu,May 23 2011, 10:23 PM]
or is it u loan already max?? cz the banker told me legal fee or MRTA can included.

[/quote]

no la.. i just have one car.. kdt card payment cun. no outstanding at all. every month pay full wann.. and still can afford to but another property after minus amara residence monthly installment. this amara is my 1st prop. no loan and still singleee.. that's why i'm oso confuseeeeedd. damn it

[quote=reginayap,May 23 2011, 10:25 PM]
Do you have any Life Insurances = MLTA? can replace for MRTA , print 1st page of your policy give it your bank agent

[/quote]

i do have Prudential BSN Takaful insurance. does it count? really donno wor..

[quote=pkwei4138,May 23 2011, 10:25 PM]
May i who is ur banker name? I very scare lo. If need pay another 6k.

[/quote]

Jenifer from ambank


[quote=BBB Project,May 23 2011, 10:30 PM]
you can refinance your loan legal fees & MRTA...check with your SA to get more details.
Thanks.

[/quote]

already checked. izwan is my SA.. he got mad with the ambank lo. haha

so we need to pay another 4% during S&P sign, correct me if i m wrong...newbies n noob here too

[/quote]

yea lor. but for me, i'm a bumi. the ambank officer mentioned that ambank got this score point blablabla idonno.. so, unfortunately for me they calculated loan = 90%. hence, kenot put the mrta + legal inside.

non dibs then y need fork out 4%?

any 1 of you still keep the bank promotion details ?
I means the paper you can take in show room. BLR -2.1 that 1...

if you can see this from that paper, loan up to 90% + 5%, then confirm can get the legal fees or mrta put into the loan , but maximum 5% ...
example : property price 300k , maximum loan is 270k + 15k for (Loan Agreement + mrta )....if your (loan agreement + mrta) e.g 20 k , you need to pay the cash ,5k, to the lawyer firm when you sign the loan agreement ...i remember is cash or cheque , no credit card.

if the paper only say 90% , then better ask you banker now ...

What so suprise?
I thought when u buy property u need to fork out this kind of $$.

Last 2 yrs, bank got offer ZEC now no more is very common already. And MRTA some bank will force u to take to get the good rate. If u can't afford just get the min amount like 5 yrs. coverage

AMB got stated can 95% include MRTA

that's why.the lo said they got this system scoring merit blablabla to calculate for customer.. n to determine what's the loan margin can go. too lazy too ask cos i know i will not understand oso if she explain it..

At the OFFER TO PURCHASE LETTER, try to see at the last 2 bottom paragraph.

"Upon compliance of the aforesaid by us/me, the Developer will absorb the full Legal Fees of the SPA and DC only"

So most probably it means if we not fulfill the 30days to sign SPA and Loan Offer letter, we will not get free SPA?

if this is reli the case then i just hope my loan dont approve. and learn a lesson from this property developer.

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Added on May 23, 2011, 11:04 pmi just read it, yes. if within 30 days the legal fee and DC is pay by developer, but more than 30 days we have to pay ourself.

This post has been edited by kienfu: May 23 2011, 11:04 PM