well say, me too if they don't offer 90% I'll give up also

Yes, they should refund 5k deduct 100 for CC fee otherwise it's time for consumer tribunal     

wau..just over the week never check this post then aly 10+ pages ><
Anyway here is my reply from bank (all with DIBS):

Ambank - Got loan approved(with LO)
            - BLR-2.4% , 90% loan with MAX  40 years
            - one condition, must include MRTA if not loan amount is 85%
            - semi-flex or fully-flex is available
            - lock in 3 years

Al-Rajhi  - BLR-2.45%, 90% loan with MAX 40 years
            - only normal loan (no fully and semi-flex)
            - MRTA/MLTA is optional
            - never proceed as banker inform process might take a while
            - no lock in

HLB      - BLR-2.4%, 90% loan with 40 years
            - semi flex or fully-flex available
            -MRTA/MLTA optional
            - lock in 3 years
            - got approved and sign LO

UOB      - only up to 80% loan
            - rejected so dont know much about the detail

OCBC    - quota full, next week only can start process loan (not sure for
              me only or apply to rest of applicant)
            - BLR-2.4%, 90% loan with max 38 years
            - lock in 3 years

If you need any information about respective banker let me know, I will PM you.

I think twice Kenya reject might be good also

the banker told me the first LO not valid anymore...

the lawyer also called me say make appointment sign loan agreement.. i say "LO not sign yet wor.." 

looks like HLB only give out 85% loan, i finally got my loan.
am also approve today! sigh.........
but no LO, soonest is tomorrow.

i m signing snp this sat at show unit, who else? loan agreement another week.

i have two banks in hand. am and hlb, i think it's safe to sign snp guar.

hlb confirm cannot go to 90% margin but am ask to by mrta. @#% right?

Amount secured or financed (LOAN AMOUNT)
Scale of Fees :
For the first RM150,000: 1.0% 
For the next RM850,000: 0.7%

For the principal instrument: Full scale fee

For each subsidiary instrument: 10% of scale fee (subject to a minimum fee of RM200 and a maximum fee of RM1,000)

e.g. loan sum RM350,000
RM100,000 x 1% = RM1,000
RM250,000 x 0.7% = RM1,750
Legal fee for principal instrument = RM2,750 (RM1k + RM1,750)
Q: what is principal instrument?
A: the main loan document (e.g. Facility Agreement)

THEN, Q: what are subsidiary instruments?
A: Deed of Assignment

In this example, the legal fee is:
1) principal instrument RM2,750
2) PLUS subsidiary instrument RM275 (for each subsidiary instrument)
[Q: why RM275? Q: 10% of RM2,750 (min RM200; max RM1000)]
3) other miscellaneous docs

Note: the aboe are only legal fees, NOT including disbursements such as courier, fax/phone calls, postage, etc.

too early to worry ler actually. 3 years=36 months leh

---

Added on July 13, 2012, 9:21 pmfunny how my banker askme to open acc, it's also stated in the LO but she failed to tell me open when. i mean within how many days? 14? 30? a year? after 3 years? any clue?

Is there any unit still available for Zeva.. i'm too slow to realize there about this project T_T... I'm extremely seeking for family home stay one ~ i prefer Zeva due to low cost entry.. ppl like me earn less(mana mungkin)   so need to look after this kind of project only could make my dream house come true.. anyone mind to advice?

what means never open for block A????
means banker lying us say that quota is out to get loan..
WTH... 

for me, alliance did get back to me...but it wasn;t alvin that called me back, some girl pulak call me to say my loan approved..