I have ask my bank officer before. She say for those middle income better take MRTA.

Clarified again, the banker say for this project we need to take MRTA for 40 years. Same for HLB as bank more strict now.

I insisted her for the minimum 5 years MRTA, and waiting her to get back to me. Will update again.

12k eally expensive? I not sure the rate eh..

Clarified again, the banker say for this project we need to take MRTA for 40 years. Same for HLB as bank more strict now.

I insisted her for the minimum 5 years MRTA, and waiting her to get back to me. Will update again.

12k eally expensive? I not sure the rate eh..

no doubt, yes. but its also need to depend how long the tenure u need.

Last 3 years ago, there are no such thing minimum MRTA tenure for best loan rates. U need to take full tenure.

Only recent the banks start offering this minimum MRTA to lock in attractive rebates.

Again, we dont know how will our salary performing in next 5 or 10 years.

If economy is become worst or bad, will we die die still need to find ways to fund the MLTA?

Since MLTA is lock in with loan interest rates, if we stop serving the premium for MLTA, will it rebuke the rates in home loan? Definitely another penalty will kick in because u fail to honor the MLTA as tied for for the BLR rebates as offered.

I can says, MLTA tie with home loan is a lifetime commitment. Because both interact each other.

Need to get peri gor clarification on MRTA, i believe if your loan tenure is 30 yrs, you not necessary take 40 yrs MRTA, maximum is as per your loan tenure only.

Peri gor,

What is your plan? Wait for the RHB thingy?
Have they call you on this preloan approval things?

According to the banker, ap should within this 2 weeks. If this is true la.

haha,

no......is still work the same

30 years or 40 years still the same offer. Got MRTA / MLTA better offer.

We took longer tenure if the prob meant for investment.

Year before 2010 max loan is up to 65 years old or 35 years tenure.

now upgraded. u must know why. 

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Added on November 12, 2012, 3:54 pm
based on my experience,

UOB and RHB very keen to give good good offer.

Im still waiting for the copy of AP.

If the developer got AP today, tomorrow sure official launch redi.

Peri Peri, you are really good investor. 

like chinese says, "10 slash also havent got 1 slash yet" how to says is good investment ah 

Now i just learn how to sell & buy properties. Really a lot things need learn.

bro, u and me are too late. Since 2010, Klang valley property market is not healthy to goreng goreng. Flooded with speculated price due to MRT things.

Imagine getting a new D/S terrace also need to price at rm800k nowaday 

ya. i know that why i look far a bit. Now the D/S price very crazy already. Don't know in future our son how to buy it.

dont be so negative, seremban, nilai, rawang, ijok, kuala selangor, jenjarom, banting, semenyih, ipoh, kuantan and etc still got a lot cheap cheap terrace. Rm 300k can get a big big landed terrace. the hope is out there.

I might migrate away from klang valley and sell off all my investment and living happily with my family in ipoh or anywhere starting my own business. Maybe Tauke kopitiam. Who knows.

Wow!!!! very good. which shop let me know later. 
I just think since me & wife also need pay house installment, why not we crab together buy 1 landed property. Then take loan both name. Few years later we can apply together out EPF acct 2 throw out landed loan faster kao tim it. I think like this la.

im aiming the SP Setia Eco Hill @ Semenyih. 

bro, i thought u makan angin redi.

U r rite. U also did the right thing from requesting the tabulation chart to study.

Thats the trick and risk assessment by insurance company which 25 years and above will be the break even year.

This is sort like a group insurance among other subscribers.

They had earned a big chunks from your premium before actually u start to see ur saving or investment growing.

But since u had taken the MLTA, better check the coverage carefully and how to claim.

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Added on November 12, 2012, 2:51 pmBtw, thats their plan and bait to u so that u will continue find ways to maintain the MLTA because they know you will not exit early because the refund will be very very low.

With this method, HLA had secured a MLTA for another 40 years which u will have to continue the premium and look for new prob to make transfer. They dont lose anything but u will have the hassle to pay the premium yearly, maintain it accordingly and dont dare simply put ur unit on sale until ur found a better unit.

20 years or 30 years later, the return from this MLTA is not tmepting which ringgit might had grown weaker or inflated by the time.

SP ECO HILL my next target also.
From silk to lekas ( from the mines to the SPsign board or the fly over with no two end ) . Took ngiam ngiam 15 mins with 2 tolls only. Never expect is shorter than we think as all other forumer saying very very far.

Haha, F1 driver spotted! I will try dig more info from a friend of mine who are tendering the sample house project there. Maybe i can have the 1st view of the phase 1 terrace facade. P&c yo.