QUOTE(kenjen @ Aug 5 2011, 11:37 AM)
When I applied my loan with PBB, they could only provide the facility for my unit - carpark exlcuded. Refer below for the breakdown as an example.
Purchase Price: RM356,000 (inclusive of 2 car park lots worth RM15,000 each)
Unit Price: RM 326,000 (after minusing 2 car park lots worth RM30,000)
2x Car Park Lots: RM30,000
PBB Offer: RM293,400 (90% of my Unit Price), the 2 car park lots not covered due to separate SPA for unit and parking lots.
PBB suggestion: Take up personal loan to cover the RM30,000 parking lots, or use cash to buy it off.
UOB Offer: RM320,400 (90% of my Purchase Price).
I took UOB offer but the banker didn't indicate any separate docs. Even my offer letter only show the sum, no breakdown of unit and parking lots but it has one statement states that the loan amount includes parking facilities if any. However, last week when I was at the site office one of the girls there said might got issues with my loan (due to no separate amounts for unit and parking lots) and would check with my banker.
Can you check in 2nd page of your agreement. It's stated the unit price & cark park price separately. I am taking loan from UOB too.
Added on August 5, 2011, 9:30 pmQUOTE(marry2010 @ Aug 5 2011, 04:15 PM)
Hi, i m owner of one of the unit from Phase 1, E3, 19th Floor....
I have a question, i have signed the Offer Letter from Ambank with -2.3 BLR 2 mths back. As i see a lot of u guys gotten -2.4 i have called the banker whether they can change the BLR but unfortunately she said can't. Thus, i will like to know whether i can change bank at this moment and which bank to go?? Plz advice....
Do share with me some of the contact of banker who r gd as i hv meet lousy banker from UOB before...
For the case of UOB, if you plan to cancel the signed agreement, need to pay RM2k as penalty. Not sure if there's any clause in AMBank if you want to cancel the loan agreement.
Actually PBB's offer is the best, ie 1st year BLR-2.5%, subsequent yrs BLR-2.4% but heard someone said it did not include carpark price & not sure their rate on MRTA. Also UOB MRTA is cheaper than AMBank as I did compare before.
This post has been edited by 1282009: Aug 5 2011, 09:30 PM