Found out that OCBC isnt dibs only actually, in fact I get a better rate when choosing non dibs !

-2.3 to -2.4 , get dibs then -2.2 , is the rate i got

can i ask something? Y every1 is talking about legal fee?? the SA told me i oni need to pay RM 500 when sign S&P, the legal fee is bear by developer, m i rite??

I am no expert,only giv my view here.

I think this is the deal between ur company and ocbc,more details only hr or the banker in charge of this tie knows. Maybe u should try ask from ur hr?

And for non dibs,,we pay for the interest based on the amount bisburst by the bank. Will start will less and lastly the "full amount". Amount need to pay b4 completion will depends on the $ disbursed by the bank to the develper.

hey, from wat i know they calculate based on percentage, not based on whether they have build until your unit or not. let say the percentage of completion is 30%, then every1 have to pay the same 30% as well.

Bro, how much supporting documents u give them? My side no problem, -2.2 BLR, 3 yrs lock in, no MRTA required. 200k. What docs u gave them? I throw them all my bank accounts and investment like ASM, ASW2020 all, FD, EPF and whatever proof got $ in the bank.

Of course same... we are from same branch...

i cannot expected this from PBB... if xxxx bank i will accpet with unhappy...

but now this happen to PBB... what are they doing??... do they know the different DIBS and Non-DIBS package? For them, they just think 1 need to pay monthly interest, 1 borne by Developer...

but we choose the 4% discount mah....

why 1st place give options to customer, now simply change it...is their Business too good?

Most funny is... some of they said approved... some said approved but need 1 more boss to sign...mean what's? double standard and they like simply say Approve...

tell me everythings...then i listen... everythings sound FINE and just nice...even in between i wonder why they suddenly said cannot add in Legal fees...then i still ok... i willing to pay the legal fee by myself, i can afford...but come till end.... last sentences shocked me....

'errmm... actually hor...all PBB package now is convert to DIBS'

i was like.... WTH...   (in my heart, i already in 70%LTV, i think Non-dibs will be benefit me and i choose to -4% discount in upfront)....

i think this Developer should communicate with the their panel banks... do not like play and treat cm like this...

Then I should try Alliance too.. just in case.. can give me Allaince officer contact?

Is not the iPad that I am concern the most, is the free SPA that I am more concern with

SPA is according to ministry of housing bulat bulat.
all is upon completion and not commencement.
if you require a copy, just google hda schedule h.

Can,,,

i know u booked 2 units, 1 big 1 small...now letting go big one? Y ? ur fren dont like the big size one?

2 options:
- developer will think wanna transfer now due to 'undertable'  you know wat i mean right   then they have the right to Forfeit your downpayment
- the only reason u can give - loan rejected - then they will ask u 3 letters from the Panel banks...then fully refund...
- out of that, subject to the Head of Kim decision.

even you able to look for new buyer to transfer your unit, then Developer might not accept as many customers in the Waiting list...

from my source...now more than > 50 interest buyers in the waiting list... these are waiting for the units release by DEVELOPER not YOU...

prohibit for 'undertable' here....

and pls Note the differences... your initial purchase price might,said RM280k... now Developer can selling at RM320k due to Good response...do you think they will allow you simply make transfer with the OLD price? unless you the one to give up...then Developer retake your unit and Release to public with higher price...

**i Talkcock only**

no need worry. initial is the 10% first only, then 10% when foundation is done another 10%, then another stage then 10%. correect me if i wrong..

here's a thought.
assume your purchase price is rm300k.
take non dibs, means you only need to fork out rm3k for the time beingA and settled your 1st 10%.
usually for property purchase, the person would have at least 10-15% cash standby for the purchase.
let's assume you have this and you can settle the next 10% which is at least 3-6months from now (completion of foundation). this is going to be another rm30k.
the next billing which is 15% is at least another 6months from the first billing. this is for the completion of the structural framework of your unit. the higher the unit, the later the billing. here, you would need to fork out the next 10% and the balance will be taken care of by the bank.
so the question is are you able to raise rm60k (assuming PP at rm300k) within the next 1 year.
there are many alternatives for you to do so.




thanks bro..luckily my pp is lower than that and i think the first two 10 percent is not a problem for me..so does this mean that after you sign snp you can have all ur time to get ur loan as long as you can pay ur bill to dev? i thot some dev will for example give 3+1 mth to get financing? well god help us all if the project is abandoned!


1. savings every month (rm3k per month)
2. personal loan (not recommended)
3. refinance your existing loans (which thereotically you should be able to do so since you have started payment)
4. withdraw from epf account 2. you must have minimum rm5k in account 2 to do so
5. i got a few more options which i would rather not say here

despite saying so, i am sorry to say you are not financially sound nor literate enough to start investing in property if you can't even know your own position in terms of loan limits. can you imagine if this project is abandon? do you have a bak up plan for it? are you ready to decalre yourself bankrupt?
pls don't play play with money. a lot of people are saying they made good money out of properties recently. but you might not have heard of the thousands who have lost really big sum in property. some may even have lost their lives.

here's a thought.
assume your purchase price is rm300k.
take non dibs, means you only need to fork out rm3k for the time being and settled your 1st 10%.
usually for property purchase, the person would have at least 10-15% cash standby for the purchase.
let's assume you have this and you can settle the next 10% which is at least 3-6months from now (completion of foundation). this is going to be another rm30k.
the next billing which is 15% is at least another 6months from the first billing. this is for the completion of the structural framework of your unit. the higher the unit, the later the billing. here, you would need to fork out the next 10% and the balance will be taken care of by the bank.
so the question is are you able to raise rm60k (assuming PP at rm300k) within the next 1 year.
there are many alternatives for you to do so.
1. savings every month (rm3k per month)
2. personal loan (not recommended)
3. refinance your existing loans (which thereotically you should be able to do so since you have started payment)
4. withdraw from epf account 2. you must have minimum rm5k in account 2 to do so
5. i got a few more options which i would rather not say here

despite saying so, i am sorry to say you are not financially sound nor literate enough to start investing in property if you can't even know your own position in terms of loan limits. can you imagine if this project is abandon? do you have a bak up plan for it? are you ready to decalre yourself bankrupt?
pls don't play play with money. a lot of people are saying they made good money out of properties recently. but you might not have heard of the thousands who have lost really big sum in property. some may even have lost their lives.

Guys, can anyone share whats the latest price psf for Amara now..............?

yesterday i went to amara...the price increasing lagi..from 1st i bought was RM269, then went up to 304k..now already 316k..
hmm..1012sq, was quite high price..hopefully the price will increase more n more..i called the tam n chan, stil they asked me to wait for their call
to sign the LA ..haiyaaa...waiting n waiting...

waaah..looks like lots of suggestion on approacing the lawyer, but no one willing to volunteer..i'll do it for t&c. just add ur nick to the list, later i will compile & get your names + unit number. Lets see if got enough ppl complaining or not first.

Financed
Nahsek312
yokehelen
boyboy3663
mousepad87
spanishawk99

Not Financed
?

*Guys, pls PM me your name, unit num & hp num. Will be contacting him this week.



i havent secure my loan so not sure abt this..but can you guys not pay first and get them to prepare the itemise bill? i mean that way well know where the charges come from..

Finally, i able to saw 1 know that actually 'discount' is illegal by bar council...

that why got 2 forumers PM me and ask me on this...my advice is ...not to do it public wise and gather ALL buyers to raise up...Why? as this is illegal for giving discount...the lawyer can have their ground on this & pointless to argue with them...

But... there's always have the alternative way to ask for discount