hahaha I applied for 7
1) Ambank
2) Al-rajhi
3) BOC
4) OCBC
5) UOB
6) Maybank
7) Allianz

Anybody applying loan from UOB?
I got reply frm banker said MOF can only up to 80% with DIBS?
if 90% then the remaining 10% of interest have to bear myself..

Anyone can confirm this?

SA: Mr XXX, may I know your loan status.
Me: Pending for LO and will sign the S&P latest next Thursday.
SA: Your request for S&P extension has been approved, but you need to sign before 7 July ya, else the developer reserved the rights to pull back the incentives.
Me: Yes I've received your email and have no problem to get it signed before deadline.
SA: You have to sign before 7 July ya, follow the date on my email.
Me: Sure, not a problem.
SA: 7 July which is next Saturday ya.
Me: Sure, no worries.
SA: No more extension d ya.
Me: Sure. 
SA: So have you contacted the solicitor?
Me: Yup, I've told them I will get an extension on the S&P signing date.
SA: If can try to set the appointment first la, tell them to act quickly ya.
Me: Sure, no worries.
SA: Ok la, you try to get everything done quickly and get back to me ya.
Me: Sure. 
SA: Thank you Mr XXX
Me: Welcome, bye....

I was having my dinner that time and there goes my appetite. Don't get me wrong, he is a very responsible SA but just a bit too nervous.

Anyone that have their loan approved by HLBB verbally, how long they need to get the LO??

How many and which bank you've applied?

when did u submit your application to the banks?

When is the deadline?

For your information, apart from Alliance is not panel and RHB is panel without DIBS, the other things are all in proper order. Correct me if I am wrong my fellow buyer.

hehe...that's the thing...i don't have a cheque book...
sigh...have to go ask my friend to pinjam dy...

can someone explain to me what is the 20% of living cost about for ambank??
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..

now jst hope could get the 2nd LO faster...

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

3 years later after completion, bank will finance the buyer (subsale) based on the property value by then. The value by then will depends on the valuer, higher or lower I have no comment.

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Added on July 5, 2012, 11:20 am

Yup, same answer I've got from my solicitor too. Shouldn't be more than 7k gua. If not then kena sell underwear.

i don't think it's another condo..unless some other developer managed to buy that plot of land instead..

that time the SA told me they will build a shoplot there....about 3-4 storeys high..

Sometimes we need to expect the unecpected. Thats the disadvantage of buying next to empty lot. We never know what developer will put up there.

u like footbal..? but.. i saw from other forum, ppl unable sleep well while got world cup those... it's noisy

At first I am thinking the same, rather facing putra walk or facing apartment and do not want to take risk for surprise. However, my partner prefer to take block A and thinking that piece of land is not big enough to built condo/serviced apartment. But now, die lor, paid more and get blocked if the news is true. T_T

Just to update, I have signed SPA yesterday and signed my HLBB LO today. 85% with BLR -2.4%, 30 years. Either get MRTA or credit card with them so I choose credit card as thinking not happy with their credit card then can cancel. And, the agent also asked me to open either saving account / current account with HLBB.

Too tired to think of "what if......" "what if..." and just go with it lah..... if project fails then fate lor, if built condo/serviced apartment on futsal land the fate lor....semua nasib lor....... =P