My LO haven't out yet. But this is my friend, so he won't lie me lo. Submit to Alliance bank too lah. It more linear to the approval. The DSR( total commitment divided by total income) is higher.

DSR for
CIMB is 65%
UOB is 40%
PPB is 50%
MBB is 50%
alliance is 70%
HLB is 50%

If ur DSR is higher that the scheme, the bank will cut down ur margin of finance.

U wanna me intro Alliance banker to u?? She is manager at bandar puteri..

May I know what the DSR rate for the HSBC and Ambank??

can do like this??? i think cannot..

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Added on December 30, 2011, 11:16 amfor those who unable get the margin of 90% and wanna get refund, better get rejection letter from the bank. then your deposit will be safe. I also got the rejection letter from Maybank ady

This post has been edited by krif: Dec 30 2011, 11:16 AM

Oic. Maybe can try that.. How about u? get loan approve ady??

oh..u din bought this???

its ok. sure 1 day u will can efford it. no worries. maybe u ady have so many property leh..

i think price is not the problems. normally bank will do the value inspection of this project to make sure its not over market value then only get in as end financier. Among of so many bank, OCBC is very careful on the EF of the project. OCBC js be EF at last day only. so all bro here, u can submit to OCBC too. The title maybe is the problems, coz this project is the commercial title, some bank really js treat as commercial property and giving lower margin.

Maybe another 1 more issue is the banker problem. if ur income or saving not strong, then underwritter of the bank will cut down ur margin or reject it. Most of the banker will hide it, and just tell u cap full or title issue.

So why we are so late to sign the SPA. coz they giving time to us apply the loan.

previously, i'm banker too. I got do this kind of case too. but that is commercial property.

Yup.it is commercial title. But it ady apply HDA ( housing development act), so the bank still can finance up to 90%. I saw a lot of ppl said PPB can't give 90% due to commercial title. But my PPB friends din tell me about this. Let me verify this for all of u

The water bill, electric bill, assessment follow the commercial rate. But I not sure the phone and UniFi will or not.

Anyone know this??

Ok.which bank u get?? i will find it as soon as possible.

I agree with u. I Js check my booking form. It din stated what brands of washing and dryer machine. I Js scare they will give the cheap 1.

Then really shit+able..haha

Anyone Know the parking lot will it stated at the S&P??

i think i cant come. I need to go airport by tml. I wish to come. any news, let me know..thanks ya

hey jason. so u submited to Alliance bank and MBB ady??

So did u confirm the brands of the washing machine and other thing that the developer giving us

Coz year end ady. Most of the ppl take leave. So the processing will be slower

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Added on December 31, 2011, 8:05 pmFor all ur info, I have check with MBB banker friend. He said that, the loan cap for it ady full. My friend ady email to get the approval for increase the loan limit. For the ppl haven't submit to the MBB, dun submit it 1st.

This post has been edited by krif: Dec 31 2011, 08:05 PM