property purchase price = 100%
downpayment = 10% (inclusive of whatever rebate or discount given by developer)

balance =90% due to developer base on progressive billing
let's say you take 85% loan.

foundation billing = 10% therefore you need to pay 5% first, then only bank will release balance 5%

bank will not release any money if purchaser have yet to settle the balance between purchase price and balance due.

bankers, please correct my statement if it's wrong.

This is what I understand. But what I dun understand is why Kim Realty ask us to pay the balance without any billing or letter, just sms? Can they do that?

did anyone collect their loan agreement ?

If ipad3 launch on 7 march with same price as ipad2 now, normally ipad2 will drop price about RM200-300 for sale for about 1-2months before go obsolete.
I think the developer will wait this chance to sapu the ipad2 

Quoting myself, so my prediction is true afterall, Jaya Megah can grab some cheap ipad2 now 
Don't think they will so generous to gv us ipad3

The bad news is, the price drop in iPad 2 will only happen when the new iPad is available in M'sia and it wont be anytime soon (maybe April or even May). If Jaya Megah want to buy cheaper iPad we might have to wait till May to received our iPad. Hope I am wrong.

Apple store malaysia oledi adjusted the price to RM1199 for lowest version
http://store.apple.com/my/browse/home/shop...ily/ipad/select