Sama sama...

How to issue cheque if like that? lol.

Bro bengjiun, are you the buyer for Lot No. 14, the unit directly facing Kawasan Lapang?

Is was the lot I desired for as at yesterday and was pint vacant yesterday too.

Haha, sometimes I am very bad too, if nicely tell can wait 2 hours, If I free, I say, ok np and I wait.

If LCLY face and ask me wait 1 hour, I will leave immediately without replying.

Oic, surprising was, No. 27 was available ( vacant pint ) when I visit on Friday evening and saw a brother here posted the Pentas 3 sales chart as at today, but No. 14 were booked ( Blue Pint ) instead of the No. 27 which is still vacant pint.

Ohh really? I think I saw wrongly of the price, I thought the No. 14 is slightly higher ( RM 10,000 ) than the row behind due to facing Kawasan Lapang and No. 23 or No. 27 is facing opposite houses.

If you had made your booking and issue cheque, should have considered booked dy what. KIV list is not booking, just require name and contact and expectation date to come with cheque for formal booking.

I still thinking Pentas 3 or Nukilan 3, due to lower absolute price and should be do-able 2 years later with min RM 780k price tag as the current 22x80 already hovering this price.

On per sq feet basis, definitely Pentas 3 is worthy and it is cheaper by RM 30-40 psf compare to Nukilan. Anyhow, the absolute price tag is important for decision making and well, Nukilan actual plan does not impress me although I am fine with the unit floor plan, a similar layout for majority of the I&P projects.

Really kah?

I thought I wear formal, macam palia salesman and young enough not to afford any prop above RM 600k or RM 800k so no one layan me for 20 minutes until I ask the SA who answer me few questions and missing.

But sumtimes, I don't like the SA talk too much non stop and hardcore selling of the product, quality, confirm guarantee and talking bad about next to the door's development.

Ohh, ya, No. 23 or 27 ( this row ) is Type A1/A1a which is built up 3499 sq feet and No. 14 is Type A2/A2a which is 3273 sq feet built up ...

IMO, it is worthy to take 3499 sq feet since additional RM 20k only from 3273 sq feet unit. ( differs by 226 sq feet )

But I prefer A2 layout especially Ground Floor where the kitchen is not as compact as A1, however, A1 has extra study area which is separated from the upper floor living hall. Though it is not so crucial for me, but it has added value where the study area can be sacrifice to extend the space for Bedroom 3.

Wahh, you're at oversea, then I think it is quite difficult.

Hmm, if you havent pay cheque / fund transfer, I think it is not consider booking yet. Probably the Non Bumi KIV person mentioned to me was you.

Hahaha, definitely no lah ...

bengjiun should comes first as priority. I am yet to be a serious buyer bcz the price is not low and hard for me to get loan.

Actually both A1 and A2 got its pro and con.

Ya, agree that, due to Pentas 3 have full glass door next to the main entrance door, thus can see thru the living hall n kitchen. In fact, it can be covered by curtain and in terms of feng shui talk, I only like the wooden door on the side instead of directly facing auto gate. So, it wont be consider easy come and easy go.

A2 also has disadvantage of being dining hall sandwich btw living hall and kitchen.

Honestly, if own stay, I am much happy if, no powder bathroom at the living hall and no bathroom for the utility / maid room. The bathroom shouldnt attach togrther with the utility room or at best, build next to it, so if a wife cooking n need to go toilet, she wouldnt have to go thru utility room, guest room or thru living hall.

For investment being, I definitely picks A1 due to larger built up for a small premium.

No worry bro...

Take ur time and hope ur loan is approve. I still have plenty of time to hunt a good landed. Investment play I am not worried it. Just worry I cant buy due to loan issue n downpayment issue. 30% of Pentas 3 is really not low. Hehe.

I only like Pentas 3 bcz it completed next year and it was a really fair price compare to most landed. I still considering Nukilan 3 due to cheaper and easier to sell upon completion for lower absolute pricing.

Haha. Ok la, then I arrange to do a budget hotel with budget rooms fair with xtra services ... Kakakakalaka.

Honestly, I am noob about feng shui but know a little bit from my dad's feng shui master.

For me, I am much trusted basic feng shui only, not too keen into it or else, its damm hard to buy a good actual unit according to feng shui , door here kenot, face gate cannot, this hall kenot mix with other hall, toilet face this, kitchen stove face there and etc ... Condo and superlink may not have such layout fittest into it unless self design bungalow.

When is Pentas 1 going to handover / VP ?

Yes, honestly, it is up to somebody personal strategy and long term planning.

For commercial, long term planning is needed and it is not easy as condo, buy and flip immediately ( where as might be doesn't look easy later on ) and much tougher to predict compare to landed house like Pentas or Temasya, because commercial can be dying for 1-2 years and rocks to the top in few months time, it is the matter of holding power as well as the quality of the owners of the lots surrounding you before the quality of the tenants rent from these owners.

For me, Freehold or Leasehold doesn't make bigger effect anymore, since I believe the current FH price is btw high and very high, so in terms of general appreciation, when future buyers unable to afford freehold properties, they might sacrifice to buy leasehold property at the next same door development, well, that's me, I used to worry Leasehold prop a lot but no longer doubt it after research with some gurus and market monitoring recently of the launches pricing.

If I able to generate more income from prop appreciation in next 3-4 years, I might consider rent it out and do the refinancing to cash out for further game, say, collecting 30% cash out from my current crops, I would definitely prepare to enter commercial one day, just too worry, anything would worth or shout 4-5mil minimum.

I am much prefer commercial, completed and matured with good tenant ready, ROI doesn't necessary to be high but ensure the tenant comes easily to fill it up, it is part of the immediate income to buy further, hehehehhee.

Too many under construction no good, cannot buy further during this cool period.

If I touch leasehold property, I must ensure I won't buy anything with less than 80 years tenure and if I bought any, I would sell it 70-75 years before expiry unless further circumstances made me to hold further but only in short term.

Leasehold commercial too tough. It is a high risk game compare to highrise condo and residential landed.

I seldom spend my time to analyse commercial products, moreover, leasehold punya. The other reason why I not yet ready for commercial was due to the loan ticket size is quite big, and it might affect my name to hold further for next buy / loan quota.

I am thinking to JV with my desperate rich friend to enter a commercial, probably looking at retail, at RM 2mil+ and see whether able to find a good deal of seller willing to mark up.

Sometimes, when we wanted food, it depends on mood ... say we want main deal like breakfast or dinner, we can drive even to KK or Klang or Subang, but sometimes, when we tired at home or wanted to have supper after light dinner, it is quite leceh to drive all the way to KK just to buy some cheap food or mamak food.

If gonna stay at AI, be prepare more instant foods, biscuits and further groceries at home, lolz. That's one of the inconvenience way, which my wife tak suka staying in AI, apart of being too quiet, less neighbours and worry of break in issue.

Go for full flexi for hassle free.

What do you mean by daily and monthly compounding over 30 years?

Which bank package you're comparing with, bro?

For the DRDC, how come day 1 principal is RM 100 and subsequently day 2 the principal is increase to RM 101 ?

Bro, I dunno how is the calculation it works for you, I only can advise you, ask the 3 banks of OCBC, RHB and CIMB show you the schedule table ( with interest paid after 3, 5 or 10 years ) as not every banks have the same amortization table.

I know OCBC degree scheme works and how CIMB full flexi loan works, but unsure about RHB.

The daily interest calculation should be ;

RM 100,000 x 4.2% x 1 day / 365 = RM 11.50

Say February 2013 = 28 days,
Interest calculation for February 2013 is RM 11.50 x 28 = RM 322.00 ( it is applicable whether to conventional loan or full flexi loan before the savings in the linked current account is being offset ).

Hmm, I don't know which bank is using DRDC as you meant, but Alliance Bank, CIMB Bank, Hong Leong, UOB Bank full flexi loan using the calculation I made earlier.

Maybank has compound loan package, ( not sure similar like you described ) but it has nothing to do with the package of full flexi and semi flexi because it is just a fully linked or non linked current / savings account.

Btw, Semi-Flexi is a Conventional Loan Package with Redrawal Facilities. ( it was called by OCBC due to classic loan since early old days was only Conventional Loan and OCBC do not have Full Flexi Package )

It is the feature of the loan package, which banks promoted this to convince customers to save cash into their account to save more interest ( banks used this package to convince BNM on how to improve consumer savings instead of spending ) but it has nothing to do with the loan interest computation because I doubt a banks will offer 10 packages with 10 interest ( daily or compounding ) as the system maintenance would be super huge and if this is the case, I doubt, bank would able to offer BLR - 2.40% but BLR + 3.40%, lol.

I understand what you mean, but unfortunately, I don't know which bank under BNM is using compound interest in their home loans.

I have / previously had housing loans in Maybank, Public Bank, OCBC, UOB, Alliance Bank, CIMB Bank, Citibank and Ambank, majority with Conventional and few with Flexi Home Loan, but what I paid under my monitoring, is using daily rest and simple interest deduction.

Honestly, I very enjoying Full Flexi Home Loan, where I really save a lot of interest due to the cash I dump in into the Current Accounts and most of all, I lazy to go bank to fill form for semi-flexi partial withdrawal and wait the cheque 2-3 days later.

I enjoy Conventional Loan as well, but only to the properties I investing because I do not have so many cash to park into all the home loan current accounts and I escape the RM 200 set up fee as well as RM 10 monthly maintenance fee.

My first ever RM 100,000 full flexi loan was enjoying paying full principal every month, because my dad put the > RM 100,000 into the Current Acc even before the loan released and maintain it until today, I checked the monthly installment fully go to the principal without interest incurred and the outstanding loan after 6 years is exactly same with what I compute myself. I believe, this is simple interest way too.