My first post. Allow me to share with you all regarding Strata Title vs Individual. Currently staying in DPC n my garden is Strata Title. Before that,  I stayed in a condo, also strata title

When you first buy your property under Strata Title, the developer actually holds all the titles.

At some point after VP ( in my case is 3 years, but sometime it can stretch to 10 years), the developer will release the strata title to the land office. Each house owner will  have to pay 2-3% of the house price (to the government)  to get your own title. You need to engage a lawyer. In my case, I bought my unit at 8xxxxx and I have to fork out more than 20,000 to get my title. You have to do this within 24 months after the developer released the title to the land office. If not, you get fine plus jail.

Under Strata Title by-law, you are NOT allow to keep pets like dogs and cats. But many of us keep dogs in our home, anyway. It is ok so long  nobody complaint. One fine day, one new family moved into our neighborhood and this guy hates dogs and cats. He complained all the way to DBKL. The officers came , visited every home and issued us warning letter. There is way to go round this. We called an AGM and amended the by-law to allow small dogs with some restrictions. This has to be approved by DBKL.

Someone mentioned earlier that under Strata, you cannot  alter or do something funny with your house like paint different color or simple extend your house. You need to follow guide and rule. Let me share you something happen to my garden in DPC. There is this new family moved in , a few doors from me. I was told he is some kind of underground 'tai-ko' or something like this. He tore down part of the house and re-built. Our committee approached told him he cannot do that. Guess what. He got so angry that he called all his gang members ( 20-30 of them) and sit in front of the entrance. So you cannot enter the garden. We have to call the police. This is all happening in my garden in DPC...very funny

Individual title = you can extend "kau kau"
Strata Title = sorry, you cannot do much

Generally and typically cannot extend la...other than that, is up to you how u can "gao tim" la...no surprise on that..looks at our country voting system...everythng is "possible"...above merely an example...no other means..

got a loan approve from HLB, tenure 30 years BLR-2.4 only. 

CIMB has come in the line few days back and see what they can offer.

someone please share with us more bank's rate?

Is there any other bank offer 2.45% or higher?