Ayor put it this way you will feel better lor... I guess back in 5-10year ago no one knows bandar Puteri will be how it is today, but look at it now... Omg!

We are lucky also coz there's no sewage or mining land next to us, ha...ha...!

Haha, IOI is different ma, they have the reputation to transform a small township into a developed housing area with all amenities in the commercial area ... But for me, Bdr Puteri is nothing special unless I work in Puchong because I don't think the accessibility here and the way it jam. The houses here too expensive, although good demand, but I rather pick Bdr Kinrara ....

Hi all, just received offer letter of Maybank.
- BLR -2.3% (previously banker promised can get -2/4%)
- 3 yrs Lock-in Period (2%), start from full disbursement (previously banker told that it's from 1st disbursement)
- Cancellation after Signed-off of Offer Letter will penalty 2% (previously banker told that no penalty at all)
Have u all sign for Maybank Loan?
What's others bank offer?
Please share~ Thanks~

BLR -2.3 I might not sign also la.. But which other banks are panel?

Heard from the developer, RHB & Public Bank. But not seen any banker there before.
Do let me know if u know about the package they offered~

I signed mine with mbb 2 weeks ago. I did ask my banker just now, he told me maybank had just changed their Operating System so most of their terms condition. That's why for those who approved recently your Letter Offer comes with T&C such Lock-in period starts only from your last disbursement. Anyway since its capitalised interest i think this is why mbb convert from 1st disburse to full disburse.

If you don't wish to have to lock-in period perhaps you may try Mbb-islamic loan with no lock in, my banker did asked me previously. I think in any packages there's pros & cons... Bank / Financiial Institutions are smart when it comes to these.

Yup, i agreed, everything have pros n cons, and i'm just asking to get more advises. Thanks for all of your advises.
Did u means that the T&C when u signed is before their OS changed, which is lock-in period starts from last disbursement?

---

Added on September 11, 2012, 4:27 pmJust went to apply public bank loan~
Pros over MBB loan
- BLR -2.4%
- Lock-in Period 3yrs 2% (from 1st Disbursement)
Cons over MBB loan
- Semi Flexi-loan (for extra repayment withdrawal, must go particular branch apply personally, with RM50 processing fee)
- No capitalized progressive interest

This post has been edited by thszone: Sep 11 2012, 04:27 PM

My personal Opinion

Long term / own stay:
- Aim for lower rate, at least BLR -2.4%
- Progressive interest scheme
- Semi-Flexi or Full-Flexi doesnt matter (unless you know you have large amount of cash in & out most the time)
- Lock-In period, start 1st disburse or full disburse make no changes (coz you planning to stay or long term invest).
- Get MLTA as you option and get bank to waive your MRTA is possible

Short-term / Flipping:
- BLR not so important coz first 2-3year just need serving interest (doesnt make hug different).
- Capitalised interest, so when you sell once you get your CF or key, the money you make can cover back your whatever interest you owe.
- Lock in period (better get those start from the 1st disbursement, even better if no lock in period i.e. islamic loan package).
- Semi / full flexi ??? dont care lar... after all you planning to sell soon anyway.
- Take MRTA to the minimum, or get MLTA if you plan to be full time investor.

# Well i learned those points during my last year property investor conference in The Mines. Anyway there's no right or wrong....! Just something to share.

thszone, so you havent sign MBB loan offer yet? the banker says the quota left <7M now... thats like ~17 more applications to get MBB loan only... PB car park not full loan right? Cause the last i asked it only cover ~70% for car parks, which im not sure about the car park price...

bumbubali, can u further clarify on this...
- Get MLTA as you option and get bank to waive your MRTA is possible
i thought get MLTA then no need to get MRTA?! MRTA is a must?! how to get the bank to waive it?

btw, i've just finished reading the terms and condition in the loan offer letter... its basically just favoring the bank and saying the bank can screw u anytime and u have agreed to that when signing the offer letter... haha...

This post has been edited by mango27: Sep 13 2012, 01:29 AM

I did heard someone told me, public bank separate their loan to 2 agreement, 1 for house unit, another for car parks, car parks can loan 70% only.
But not so sure about this info, is this info u get from public bank?

As i mentioned earlier, every bank will have specific quota for a project. I'm not surprised the its < 7Mil now lorrr. I've signed mine liao... I've never like Public bank, dunno why - maybe the impression given to me. Well every bank sure favour their own interest, but as long as we don't default their payment then everything should be fine gua.....

Bout the MRTA it depend your bank package geh, some can waive and some cant waive.

Ya I called the banker for PB and she told me car park loan is not full..

How many years they quote you for MRTA for MBB? and how much they charge?

---

Added on September 21, 2012, 6:58 amFinally i've signed MBB loan offer letter... PB has cancelled their package of providing -2.5 1st year BLR and -2.45 2nd and 3rd year, so i went ahead with MBB... any idea when to sign SPA ?

This post has been edited by mango27: Sep 21 2012, 06:58 AM

I'm going to sign MBB loan this weekend also, will go Masteron Sales Office to ask for the exact official launching date, and about SPA.

---

Added on September 24, 2012, 8:50 amWho know about the exact maintenance fee? Is RM0.22 included sinking fund?

This post has been edited by thszone: Sep 24 2012, 08:50 AM

i've already submitted the loan application to mbb...hope to receive good news from them this week....

Hmm, what is the current sales rate for D'Aman now?

Panel bank only MBB and PBB?

so have you managed to go to sales office and asked about the maintenance fee and SPA?

From the sales manager, RHB also. But no banker stay there, have to go bank and ask personally, just like PBB.

---

Added on September 25, 2012, 8:12 amNo, will go when i'm free. But from my banker, she told me that the Masteron boss told her manager, they will officially launch the project on October.
Hope they can start piling end of this year, since the piling phase for Calisa M is done, they can move the piling machine to D'Aman and start. Let's get start asap.

This post has been edited by thszone: Sep 25 2012, 08:12 AM

They won't start pilling before launching one la.. They haven't even fence up that area.. Btw anyone got the SMS invitation to the mooncake event in sales galley for this Sat? Its not the launching right?

Yup, oledi confirm with them, not a launching.
Just hope they will fence up and piling end of this year. I think they will launch this Oct.
Let's ask them this Sat. Will you attend?

most probably... go see see look look and see how are the sales... and get some free mooncakes...
not to be racist or what, but most of the time i went to the showroom, the customers are mostly chinese... i wonder are there bumi units or quotas for D'Aman...