Calling Windwind kor,
L7 942sf unit here.

or perhaps the developer himself sapu a lot of units? later they do subsales themeselves?

The Mortgage called me. Apparently the borang BE is a must according to the banker.  So i just sent her my soft copy of it.  Up to you guys whether u want to submit or not la. But in the end, i also submitted mine to her.

Btw, out of topic a bit.  Recently bank really so strict or i just outdated already? Received another email from another banker for my another property.  These are the documents they required.
1) 6 month latest payslip
2) 6 month latest bank statement
3) latest tax receipt (2012)
4) latest epf statement (2012)
5) photocopy of ic (both sides)
6) name card (if any)
7) latest confirmation of employment (if any)
8) latest 6 months commission statement (if any)

Even more than what is required by SILK mortgage agent! Swt ... 

Count me in for the man power if u required. 

bm? what bank is that?

IC. u have send ur doc for pre-loan approval too?

no worry, they do it by batch.

---

Added on October 24, 2012, 7:31 pm
should be. so now applying loans will be good.

---

Added on October 24, 2012, 7:33 pm
add me pls. i am L7 - 15

wow, 2 members same floor with me.

Bank agent called (Ms K) said the OUB bank loan approved. BLR - 2.3%, Legal Fees and stamp duty financed into the loan but partially only.  AP approved last week according to her.

full loan @ 90% ?

---

Added on November 7, 2012, 9:25 am
if i not mistaken, they only accept loan from their selected bank .

yup to certain ppl, 100 - 200K FD is really nothing. But for me it's a lot
I am meeting Ms K tomorrow. I think i will just go for it.

Wondering where is Peri gor? Long time no see him .... Can someone summon him here? lol

Please keep us updated 
I don't have anything to appeal, low FD so I think better forget it.
Maybe I just take 2.3 if everyone is the same here 

No need dependent on HLB for -2.1% ciput offer.

The UOB and RHB always gives attractive rates if u included in the MRTA ( 5 or 8 years)

Im still waiting the RHB to be in as Panel as i heard they can offers attractive rate more than -2.4%

double gosh, soli to hear that bro, but are u expecting to use 32 years to pay up ur home loan?

Exiting the MLTA or transfer to other prop is still the same purpose. Do you know that if u dispose early says less than 7 years, the refund is almost unbelievable low?

What if when u reach the year 10th and u suddenly cant serve the annual premium rm 2.3k, u know what they will do?

There are a lot terms and conditions to such MLTA as it is recurring fees and very long service tenure. Your expose risk is way way higher.

Are u comfortable to use Hong Leong Assurance as ur service provider? Malaysia no 01 insurance is great eastern then follow by prudential. Why UOB did not choose them as for ur MLTA provider? Do u know how much UOB had earn the commission if u taken MLTA from Hong Leong Assurance?

BTW, ur MLTA covers on what? Life insurance? Fatal Accident? Permanent Disabilities? 36 Critical illness? Do u think the UOB mortgage office is qualify enough to explain all these on behalf a insurance company?

Even prudential also cant guarantee how much i could get back after mature of my premium because depending on annual profit and dividend from them.

These smart smart insurance player in market and if u know how they run the business, they actually suck in all ur premium 1st 10 years as so called "their fee" then they only start invest and save ur money after 10 years but if u still maintaining your MLTA policy. 10 years later, who know what happen?

---

Added on November 12, 2012, 1:51 pm
MRTA is one time installment but cannot retrieve after matured. Thats why very very cheap

MLTA is like = life insurance + accident + saving + investment , but premium very very expensive.

Bro, if u think u r 100% sure this unit u will keep for ur own use until 40 years, u are advise to take the MRTA because it still cheap.

But if u meant it for investment maybe 6 years later, better source shorter MRTA tenure.

I dont think u get my point posted before. I had mentioned the same to Jootat before.

For my previous case with UOB.

UOB can offers tenure up to 70 years old or 40 years tenure.

my loan applied is rm270k.

If no MRTA or MLTA included, UOB only can offers max -2.3%

If got MRTA included, i can get offer max at -2.4%

But im not required to take full tenure MRTA. The minimum MRTA requires by UOB for eligible of -2.4% was 5 years only.

Means MRTA 5 years for 270k loan is only rm1k. They got it cheap maybe the mortgage officer was helpful and kind with me when sourcing for MRTA quotation.

True story.

BTW, with the 0.1% different between -2.3% and -2.4%, the MRTA is actually free top up for me due to the loan interest different. Why not?

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.

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.

Maybe instead of Ms.K....MR.K will be contacting you....just kidding.

According to Ms.K...so far its HLB (80% loan offer), MBB (85%) and UOB (90%).

my UOB package offer:-

UOB - 90%
BLR - 2.3%
Repayment Period - 35yrs / 1391 month
MRTA whole tenure - eligible to finance sum insured 40k , balance sum insured 250k have to pay. They said nowaday must insured for whole loan tenure

Kelly informed me OCBC is not able to tight up with them..

Kindly advise..

---

Added on November 30, 2012, 12:47 pm
Bro, my offer now is 90% - 2.3BLR, but Kelly seem force me to take 40 years 290k MRTA and now appeal for me 20 years 290k MRTA. Who should i deal with to get -2.4 BLR and minimum MRTA tenure?

---

Added on November 30, 2012, 1:30 pmanybody know where is the UOB branch Ms. K submitted? i would call them up and deal directly.

I would like to talk with those UOB officer directly but Ms. K dont want to give the the details of UOB Officer in charge.

For me, i think 10  - 20 yrs is ok already.