Zeva suites @ Seri Kembangan, by Trinity Group
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 Jul 3 2012, 04:25 PM
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#21
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Junior Member
95 posts Joined: Jun 2012  
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QUOTE(jacob888 @ Jul 3 2012, 04:07 PM) Yes I think so we need 2 rejection letters... Suddenly feel like kena fool btw the developer & the bankers.but then those banker just don't bother to give u reject letter   1/ OCBC full but yet dont issue rejection letter. 2/ HLB active, will approve, but only 85% with 30years only. 3/ others bank like no care to do your business. 4/ dont no where to find these 2 rejection letters!!  |
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Jul 3 2012, 05:13 PM
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#22
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Junior Member
95 posts Joined: Jun 2012
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i was thinking can we officially write in to our own sales agent so that they can forward the case to their management? does it helps?
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Jul 3 2012, 06:49 PM
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#23
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Junior Member
95 posts Joined: Jun 2012
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Finally, UOB called.
He explained actually they finance up to 90%. Out of 90%, 80% confirm DIBS, for the balance of 10% UOB still finalizing with the developer whether buyer or developer bear the interest during construction. He can't advice when they can finalize this issue. And he came to know developer offer 5% discount, so the loan amt will be base on net amount after the 5% discount.. can say bye to UOB...... This post has been edited by Wk24: Jul 3 2012, 06:50 PM |
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Jul 4 2012, 11:08 AM
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#24
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Junior Member
95 posts Joined: Jun 2012
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QUOTE(jacob888 @ Jul 4 2012, 10:32 AM) I got ambank reject letter .... should congrat you at least got 1 reject letter on hand now. XDAl rajhi still waiting... no respond even sms him yesterday... maybank same ocbc same alliance same u guys face the same issue as me ? Am waiting Ambank to come back. Most likely will got reject too because they include 20% from Gross salary as expenses. Al-Rajhi still waiting too.. Chase til the officer remember me. Did you try on Bank of China? They offering DIBS as well. Added on July 4, 2012, 11:09 am QUOTE(bonkers28 @ Jul 4 2012, 10:55 AM) woe is me if CC not accepted.. get escort service... XDcarry around that amount of money oso takut kena rompak This post has been edited by Wk24: Jul 4 2012, 11:09 AM |
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Jul 4 2012, 11:32 AM
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#25
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Junior Member
95 posts Joined: Jun 2012
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QUOTE(jacob888 @ Jul 4 2012, 11:22 AM) Yes, was reject by ambank because of 20% expenses.... WTF is this the new rules ? first time I heard... Guess out of the 5 panel banks, only Ambank got this rule. LOL |
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Jul 4 2012, 01:55 PM
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#26
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Junior Member
95 posts Joined: Jun 2012
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QUOTE(jacob888 @ Jul 4 2012, 01:45 PM) me too, but now I only got 1 reject letter, how Jacob dai gor, your ambank rejection is by email or letter? |
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Jul 4 2012, 05:24 PM
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#27
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Junior Member
95 posts Joined: Jun 2012
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QUOTE(jacob888 @ Jul 4 2012, 04:53 PM) So far no bank revert back..... only UOB & ambank Not sure if you would like to consider Bank of China? which UOB 80%, ambank rejected (because of 20% for living cost) Now either get 1 more reject letter I'll straight call SA to cancel or give me a loan with 90% + DIBS (chances very slim) To dai gor out there as well, below by verbal from BOC officer:- loan amt < RM500k BLR - 2.3% MOF 90% DIBS MRTA optional min lock in 3 years Normal loan a/c, no flexi or semi flexi, if prepayment, need 1 month notice Tenure 30 years Can finance MRTA but cannot finance loan agreement so far she told me closed 2 deals..... hv checked with Trinity, BOC not their panel but Ad-Hoc bank.. actually no diff w panel banks.. Hope helps |
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Jul 4 2012, 05:29 PM
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#28
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Junior Member
95 posts Joined: Jun 2012
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QUOTE(bpay14 @ Jul 4 2012, 05:03 PM) can someone explain to me what is the 20% of living cost about for ambank?? this is what the banker told me this morning.my ambank banker dint tell me abt this.. he said my loan is approved, waiting for letter offer.. when asked abt the rate, he refused to tell and say: now not so good, tell u also u not happy with it, i'm helping you to appeal a better rate.. that's all.. now still waiting.. est your repayment amt for this loan + your current commitment + 20% living cost (which is 20% fr Gross salary) / total net salary if the percentage > 60%, then little hard to get. if yours approved, likely you below 60% kut... so far only ambank i heard this 20% living cost that they take into calculation. they said everyone will hv monthly expenses worrr... |
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Jul 4 2012, 05:35 PM
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#29
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Junior Member
95 posts Joined: Jun 2012
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QUOTE(bpay14 @ Jul 4 2012, 05:32 PM) yeah.. just wait and wait.. Ambank is the bank that i hate the most among the panel banks.. the ball (my application) kick here & there. ic.. arghh.. still nothing can do huhh.. waiting.. |
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Jul 4 2012, 09:24 PM
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#30
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Junior Member
95 posts Joined: Jun 2012
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QUOTE(neoescundo @ Jul 4 2012, 08:47 PM) bear in mind, you have to have 2 rejection letters from the PANEL bank, if you get other bank rejection letter, u wont get refunded. I got this info from SA Yest i spoke w my SA, told her OCBC dont issue rejection letter, HLB cnt finance 90%, others bank sleeping, due date coming, my booking fee burning, how to handle.Added on July 4, 2012, 8:55 pminvestgal, no la, just wanna know only if i manage to secure the unit and keep for 3 years  She told me write email, then she forward to management see if can refund... Wondering siapa mia SA tell the same? |
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Jul 5 2012, 12:27 PM
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#31
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Junior Member
95 posts Joined: Jun 2012
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QUOTE(jacob888 @ Jul 5 2012, 10:37 AM) wah, this's suck.... may i know who you deal w for Al-Rajhi? The manager Johnny is quite helpful.Call alliance bank not yet finalize... call al rajhi bank don't even want pick up phone, sent sms also no replied ocbc quota full don't want to issue reject letter maybank said no DIBS.... Added on July 5, 2012, 10:43 amupdated- al rajhi bank off the phone already uob 80% loan don't want issue reject letter OCBC also don't want issue reject letter maybank said will try but maybe useless cos they're not panel alliance said will try ambank received reject letter |
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Jul 5 2012, 04:39 PM
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#32
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Junior Member
95 posts Joined: Jun 2012
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QUOTE(hairuln0 @ Jul 5 2012, 03:23 PM) If you have any inquiry/ question/ further explanation regarding the package, do please contact me.... We are not selling RATE, but we selling BENEFIT to customer W W Sales! Pushing the Limits!” Thanks & Regards, Hairul Nizam Bin Samsu Bahrin Executive Direct Sales Mortgage Home Financing Direct Sales Department Ground & First Floor, Lot A1.47 (A&B), Pantai Junction, Plaza Pantai, No.5, Jalan 4183A, Off Jalan Pantai Baru, 59200 Kuala Lumpur Direct line : 019-2754163 Personal Line: 017-3860263 BBM pin :21B944CE Fax 603 2282 0563 mailto:hairulnizam@alrajhibank.com.my : hairuln0@gmail.com PqSAVE THE EARTH - Help save a tree by not printing this e-mail unless necessary. THINK BEFORE YOU PRINT. |
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Jul 5 2012, 08:58 PM
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#33
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Junior Member
95 posts Joined: Jun 2012
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QUOTE(paklim @ Jul 5 2012, 07:47 PM) banks getting smart. they know developer giving 5%. banks insist we pay 10%..... Hello paklim daigor, can know how to calculate mrta? Likely what will be the range? Or 9 - 10k is standard? if i got no choice i will take 85%. no choice meaning am force me to pay 9-10k mrta. who got solution, let me know. Terima kasih Added on July 5, 2012, 9:06 pmOh yea, yest sent email asked extend, today got their confirmation new due date on July 14.. Wat? Now only realize the date. Eeuuuu.. XD This post has been edited by Wk24: Jul 5 2012, 09:06 PM |
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Jul 5 2012, 09:24 PM
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#34
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Junior Member
95 posts Joined: Jun 2012
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QUOTE(alakazoom @ Jul 5 2012, 09:22 PM) Is this your 2nd extension or first? First. Do you mean we can apply for 2nd extension? |
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Jul 5 2012, 09:49 PM
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#35
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Junior Member
95 posts Joined: Jun 2012
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QUOTE(alakazoom @ Jul 5 2012, 09:26 PM) Not sure if can extend 2nd time...coz your due date is July 14th...so I assume you buy after the pre-launch, right? Yep, but i guess shdnt be able to extend twice. Aboh those really Q-ing at waiting list sure wait long long. Anyone here got 2nd extension? |
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Jul 5 2012, 10:59 PM
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#36
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Junior Member
95 posts Joined: Jun 2012
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QUOTE(cindy616 @ Jul 5 2012, 10:51 PM) Al-rahjibank the rate is high le...BLR is 6.90% le...6.90%-2.45%,if after completion cannot sell it out,sure the installment kena kau kau....somemore lock 5years....nowdays all bank almost lock 3 years only... Huh? I thought Al-Rajhi no lock in de? Sure lock 5 years?? |
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Jul 5 2012, 11:07 PM
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#37
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Junior Member
95 posts Joined: Jun 2012
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QUOTE(cindy616 @ Jul 5 2012, 11:02 PM) have to check better...wat i get the news is 5years lo...if u refinance or sell within 5 years,they will give u a kau kau penalty... Al rajhi banker told me no lock in de wo.. So far only this panel bank i heard no lock in. Others all 3 years.. |
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Jul 6 2012, 10:07 AM
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#38
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Junior Member
95 posts Joined: Jun 2012
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finally, HLB came back appeal successful for 2.4% no MRTA. LO before lunch.
Al Rajhi ahhh... why you take so long time......... |
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Jul 6 2012, 03:33 PM
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#39
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Junior Member
95 posts Joined: Jun 2012
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QUOTE(bpay14 @ Jul 6 2012, 03:20 PM) actually who is the one who decide the legal fee for loan agreement? your last sentence really make me laugh.. wakakawhat is the procedure? i ask then banker how much is the legal fee.. he say need to check with your lawyer when ask the lawyer side, says need to depends on how much is your loan amount.. so what do i do? are they going to contact each other themselves and come out the price and let me know? make me so blur.. is it i need to check with the banker of my final loan amount including loan+mrta+legal fee if any(i still dunno how much at this stage).. then go and tell the lawyer this is the amount of the legal fee.. RMXXXX then i back to the banker again...!?!?! sighh.. so tired buying 1st house with all those service like duwan entertain me jiang..  same same laa... |
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Jul 6 2012, 10:50 PM
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#40
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Junior Member
95 posts Joined: Jun 2012
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QUOTE(jacob888 @ Jul 6 2012, 07:57 PM) Just got extension for another week Not so worries liao la then. XDFirst extend? |
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