I am still waiting for the call from Michael Chen's firm. Wonder what's taking them so long.

Call to sign... somebody called last week to submit a scan of my IC. So I was thinking maybe this week can sign. But I'm still waiting...

I signed S & P last saturday liao...

ooo... okok, 30-40%. Need to work on my bargaining skills here. 

Yup... how much did you get rebate for?

Oh... I tot you have signed your S&P. Doesn't they come together with the legal loan agreement?

Any guidance on what should I look into on the agreement before I sign?

I got a letter today saying if I don't sign off they will sell my unit well I only got my loan approved this month and told bhl that I can only come sign the paper next month as is a join name what is this they asked me to waiting for banker and it took them 3 good month to come back to me and yet they say want to sell my unit what the f#$%%&*- I should asked them well ur company asked me to waiting for the banker to call me which took them 3 good month so I pay you rm 5k so can I take back the interest cost u are late not I am not interested but u saying that I did something wrong??  How can man

7day from today

Both havent as the house belong to 2 person the second person is away from Malaysia will only back march I all ready told NHL as well the snp lawyer and banker also know so what can I do need 2 signature meh

Did your SPA mentioned about carpark bay? Coz mine do not have.

Did they specific the no.your carpark bay? Or highlight in carpark plan? Lawyer said The SPA only said entitled to 2 bays and no mention of location and no.

my one also mention two covered car park only..

just signed my s&p last week..signing facilities agreement this week. my laywer is from yc pang..anyone requested discount on lawyer fee from them?

deed as in deed of mutual covenants? (DMC) That wan signed oredi.

This facility agreement is the full loan agreement between bank and borrower, in addition to the offer letter signed earlier when my loan was approved. Documents they have is:

-power of attorney
-facilities agreement
-deed of assignment
-statutory declaration
-etc document

lots to sign and initial lol.

Your lawyer didn't tell you that you will get a rebate? Mine told me I will get 40% discount off the Loan Agreeement cum Assignment.

Bros share this with you regarding loan legal fees:

went to nego with YCPang yesterday..must say that it is not a good experience...very reluctant to give discount..giving all sorts of excuses etc....

for those who r dealing with Alex, he has no authority to give much discount..go for the bosses. Even the bosses acting skills are top notch say kenot discount..after much negotiation in the end i got 20+%.

Personally i fee their attitude and service level is no good. They are only good when u sign the documents and handing over the cheque.. But when u request for discount..all the playacting comes out.. lol

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Added on February 23, 2012, 11:52 am
All in i got about 25% discount so if they want to haggle and defensive for that remainder i just let them be. Just no more referrals lor next time:)

Well, I had the lawyer fee finance into the loan package, but in a seperate offer letter from the same bank that gave me the loan.

It goes like this: since my lawyer fee was financed into the housing loan, they would raise a bill (the lawyer fee) to the bank. The bank then would ask the purchaser to sign the offer letter (which includes the lawyer fee). So when the money is disbursed, the lawyer would get the portion they bill from the bank. So when I negotiate with the lawyer on the agreed amount, any excess the lawyer receive from the bank would be returned to me. Example if lawyer fee agreed is RM4.5k but loan amount is 6k, you would get 1.5k back.

So since the banker is my fren, I would oredi know when the amount would be disbursed and how much I would be billed.

Its not exactly a lock down, but the fact that they oredi record manually in their bill and gentlemen's agreement should suffice i think.

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Added on February 27, 2012, 9:32 pm
You all may be can gather and negotiate the legal fees. Fyi, i direct pay full amount of the fees to the lawyer by cheque first, after that they only will issue back the discounted 40% cheque to me. I already get back my cheque from michael cheng last two weeks. They didnt stated black and white regarding the discount, just verbally agreed on tat.