Zeva suites @ Seri Kembangan, by Trinity Group
|
|
 Jun 16 2012, 06:10 PM
Return to original view | Post
#1
|
 
Senior Member
8,306 posts Joined: Jan 2003 From: Puchong Melaka Cyberjaya  
|
madness... despite people complaining on the sky-rocketed property price.. They are still being sold madly.... There's no way property price is going to go down at least for some time.
I purchased another one nearby 1238sqf @ RM 370k last month as I didn't expect this will be cheap already. |
|
|
|
|
|
Jun 25 2012, 06:25 PM
Return to original view | Post
#2
|
|
Senior Member
8,306 posts Joined: Jan 2003 From: Puchong Melaka Cyberjaya
|
QUOTE(paklim @ Jun 25 2012, 04:26 PM) i call my lawyer in mid valley and she say will advise me back if i pay by cash. i heard some ppl pay in 2-3 installments. i m not sure this fella allow or not. Make sure the lawyer is allowed. Some developer will say that in order to get free SNP.. your loan legal must also be processed by one of our panel lawyers. Double check and confirm but your banker should know better than you. Try to get the banker/lawyer sends you the legal fee quotation ..(itemized). Hope that helps This post has been edited by davidlow7: Jun 25 2012, 06:25 PM |
|
|
Jun 26 2012, 05:32 PM
Return to original view | Post
#3
|
|
Senior Member
8,306 posts Joined: Jan 2003 From: Puchong Melaka Cyberjaya
|
QUOTE(Lio85 @ Jun 26 2012, 05:07 PM) BLR or BFR only the term is difference. Base Lending Rate or Base Financing Rate. Both currently are 6.60%. Maybe due to its Islamic, therefore not nice using lending😁 This is only base on BBA concept, not sure about CM as I did not do a researchNormally, Islamic and conventional nothing big differences. What about think like this way, it do have a lot benefits too. In Malaysia, BNM sure will protects bumiputera, am I right~ The differences mainly is Islamic will set a ceiling rate@10.60%. The bank max interest can charge to customer. You may noted from LO do stated the bank selling price. This selling price may afraid u, because they add in all the finance interest and principal borrow base on 10.60%. But no worries, when the time when u sold or refinance the property, bank will rebate to you. So far nowadays a lot of Chinese also taking Islamic loan as well. Correct me if I'm wrong😁 There are 3 concepts in Islamic banking - Malaysia. BBA MM CM MM does not have ceiling rate but the concept is more appeal to most of the people like me. Because of some unfriendly-user features (in BBA) such as hard time in calculating your balance as they use the max selling price rather than the price base on current BFR rate. However some banks like MBB already start separating the statements. I am not sure for the others. Conventional loan balance usually can be checked in Maybank2U but not for Islamic. Another thing usually heard for BBA concept is the early settlement can be much higher for those who wants to do early settlement. There have been many calls for them to promote MM concept to the Muslims instead of BBA concept as Islamic concept loan suppose to help but ended up burden. What I can say is Islamic concept is not yet mature in Malaysia however it does have the benefit. You must be clear of the concept and what stated in the terms & condition. Just go ahead and apply a few banks. Once you have their L.O, compare them and make your own decision at your own risk. If you are not sure, just go for standard conventional. Cheers This post has been edited by davidlow7: Jun 26 2012, 05:35 PM |
|
|
Jun 29 2012, 05:02 PM
Return to original view | Post
#4
|
|
Senior Member
8,306 posts Joined: Jan 2003 From: Puchong Melaka Cyberjaya
|
QUOTE(xavi5567 @ Jun 29 2012, 04:08 PM) y 30 year out ner? Yeah I thought HLB should be 35 years for max? |
|
|
Jun 29 2012, 08:59 PM
Return to original view | Post
#5
|
|
Senior Member
8,306 posts Joined: Jan 2003 From: Puchong Melaka Cyberjaya
|
QUOTE(xavi5567 @ Jun 29 2012, 05:10 PM) i think it depend on the risk and the age of the loan applier Assume other factors are okay |
|
Topic ClosedOptions
|
| Change to: |  0.0195sec
 0.76
 7 queries
 GZIP Disabled
Time is now: 21st December 2025 - 12:40 PM |
Quote