U are the FSM 'rep' in lowyat mah...

...tapi aku tarak gaji

haha well thank you for the info appreciate it. cheers!

Dear sifus,

Is that possible to ask bank to perform valuation and show valuation report before I accept the Loan Offer Letter?

I'm buying a subsale home priced about Rm550K. Banker claims can get me 90% loan based on my profile and property value.

I afraid the margin may get cut off to 85% or 80% after I accept the Loan Offer and after I sign the S & P with the seller. If that going to happen It will not be possible for me to raise the difference which may go up to 50K.

I'm trying to avoid the situation where some of the forummers have gone through in buying subsale property where Margin of Finance got chopped off upon release of Valuation Report and after accepting the Offer Letter.

This is my first property.

Currently not servicing any loan.

What would be the best approach to avoid the foreseen problem?

Please advise..


P/s: I have placed 3% Earnest deposit with the Agency. Applied loan with the agent's friend. Pending outcome of the results. S&P expected to be signed 2 weeks from now.

@Puchong Family, wrong thread!

Aiyo.. boring la, market up.

USD getting stronger. Spot rate against MYR: 3.0215

Foreign funds may start to pare losses.

Yea... finally KLCI drop!

So, u want to top up ur fund now?

Ya, need to top up some

so early top up?

better wait drop more only top up

Just a little, not like lump sum big amount.

For long term should be fine lah, hard to time the market also.

juz share my opinion

Your question is when the fund will drop more ? The answer for this meanz time and future BULL market wont stop.


Reason:
US QE3 & BoJ Abenominic still printing money the reason Dji , S&P500, Nikkei and othe Asian moving higher and higher.

The question when the printing money will stop definelty ?

US Qe3: until unemployment rate fall below 7percent
Japan Abenomics: lead Japan's economy to overcome deflation

Stop definelty happen when their country economic in sound good condition, therefore BULL will take over the market.

My 2sen , pls correct if wrong.

I am seeing same as you.

Today in US, Bernanke will speak and we will know QE3 will continue or taper down.

Bernanke has spoken, market today up almost 1%

Hi apa khabar?

I believe most of the funds generate return more than 10% in 3 months time?

Me myself witnessed a UT fund managed to generate 20% to-date since March.

Phew.

congratulation hafiez

I was recommended by RM from Alliance Bank to invest on the following, priority by sequence. What do you guys think?

- Hwang Asia Pacific(Ex Japan) Infrastructure Fund
- Manulife Global Bond Fund
- Hwang Select Opportunity Fund
- OSK-UOB Asian Income Fund

i think this would be 50/50 portfolio,...do you need a 50/50 portfoilio?
could not get Manulife global bond details from its website. sure u got the name right?
for a quick guide go to Fundsupermart website to find out about the its performance history.

sorry, newbie here. what do u mean by 50/50 portfolio?
i thought osk-uob asian income fund is 70 (bond)/30 (equity) and switchable