For DIBS project, the developer will absorb the intetest during construction period.  So there is no point of putting the money to reduce loan interest during construction stage as in the first place the interest is born by developer.  The money that you dump in serve no purpose and very likely won't earn you any interest (even there is, it will be pathetic)

After completion / VP, you may dump in more than the required scheduled instalment to reduce the interest.  If it's full flexy then you will be able take back your extra payment anytime from your current account.  If it's semi flexy then you will have to write in to request take the extra money.

Has anyone had any issue with ocbc during disbursement stage if the loan?

I heard some get into problem when title under master title.

Anyone experience this before can please advise how it was resolved? Thanks

Bank have some criteria before they able to release thr disbursement.  Is the developer and lawyer to mske sure all necessary document in order before bank can proceed.  All bank is same.  In this case, it will not be your responsible should any delay arising in the stage payment disbursement.

If delay it's not a problem.... but what if disbursement time they say cannot do.... anyone face that before?

Bank have certain criteria to meet (paper work must be in order) before releasing the progress payment to the developer.  If the balls is delay by the developer itself, I don't see any reason they will be charging you any interest or etc.  What's your concern?

Heard a lot of scary stories on ocbc loans.... apparently some checks they only do after LO issued so at times even LO issued xan still be diaapproved

Hello all, I am planing to buy apartment which cost RM308k. The property is  Palm Garden Condo Apartment Lahad Datu. I will combine with my wife and our income per month is RM 3871. My age is now 45 and my wife is 39. I have car loan n repayment per month is RM600. Hold 2 credit card n each credit limit is rm3000. My question here is am i qualify for it

any lowyat forum geng can do a pree loan?? i think want to buy my second home, my comitment only for housing loan.tq guys

u better go to bank and do it the proper way...

too many henky pancky with runners or so called "consultant".

yeah man..any suggesttion which bank and which bank geive better offer..  

You can go CIMB. As my loan, I submit to CIMB, the day itself they can extract your CCRIS report and roughly know your chances of getting it approved.

Hi guys is it still possible to get 95 percent loan for subsale properties nowadays?