Extend ground+ first floor or just ground? My current 20x70 house ground extension ONLY which i did 5 years ago cost me rm20k incl floor tiles+ wall tiles up to ceiling height. I think now its easily 30k? No? Any sifu here?

I do not wish to do any extension on regia 30x69 as i feel its better to cook a storm in open area at the back or else whole house berbau. Still no idea why my current house smokes when my mum ' tai chow' even though i've seal the kitchen area.




Also better wait for other neighbors to do renovation to get some idea.

I think we can close the school sub-topic with your good thought.

Ok, now back to Elminaàaàaaaaàaaaaàà

What is the impact of this gov initiative in star on elimina?

🎁🎁🎁🎉🎉🎉
From Star today

KUALA LUMPUR: A total of 100,000 houses will be built under the 1Malaysia Civil Servants' Housing Programme (PPA1M) nationwide, said Chief Secretary to the Government Tan Sri Dr Ali Hamsa.
He said besides Putrajaya, the Government would identify strategic locations in the capital and major centres, including in Sabah and Sarawak, to expand the programme.

"The project will be implemented once it is approved by relevant authorities," he told reporters after opening the Parent Teacher Association Carnival and new facilities at Sekolah Menengah Kebangsaan (SMK) Damansara Utama here Sunday.

He was commenting on a call from Cuepacs to the federal and state governments to provide medium-cost houses, priced RM250,000 or below, for civil servants.

Ali said the first phase of the PPA1M programme involving the construction of 10,366 houses was launched in Putrajaya by Prime Minister Datuk Seri Najib Tun Razak in April.

The PPA1M provides public housing with a minimum floor area of between 1,000 and 1,500 sq ft at a price of between RM150,000 and RM300,000.

Meanwhile, Ali said the Putrajaya PPA1M had received an encouraging response with 105,000 applications received to date.

Successful buyers are only required to pay for the houses once they are completed and not while work is still in progress. - Bernama

1 thing I notice from my first impression during site visit -current ariza, keana + regia all but build on a lower ground...d main road leading to the first roundabout sits on higher ground. Again maybe sum1 can correct me if I'm wrong. Usually I prefer if the houses sits on the same @ higher ground level than the main road leh

For Elmina, it is PR1MA. Not PPA1M, right?

Isn't the main road leading to the first roundabout comes from the highway interchange? Maybe that's the reason it's higher.

Yes you are right mate.

I'm now hesitating between Citibank blr-2.5 with 3 years lock in upon cf vs stan chart Islamic loan blr-2.4 but NO lock in.

Any1 here sign Islamic loan with Stan chart?

Stand chart Islamic got 2 addition feature.
One is effective interest rate capped at 10%.
Not that I would happen

And another good point I forgot liao.

What do u mean mate? Interest capped at 10% even if blr hits the moon? Meaning the total interest cannot exceed 10%?

I saw from another threat

"Islamic Halal.
Non islamic non halal.

It is just term that tackle for holy halal customer. It's all the same..
Islamic = Ceiling rate that prevent BFR goes higher than 9.99%
Besides, Islamic also giving 20% discount on stamp duty on loan agreement.

Other term are remain same. It just the way they convey the Agreement in HALAL way only.

For instance,
Conventional = Bank charge you INTEREST if you acquire this loan for this property.

islamic way = Bank having share with you on this property. You will be paying RENT until you hold 100% equity asset on this property"

Masih tak Paham leh. Perhaps some of our Muslim bros + sis here can share with us on simple layman term.


This post has been edited by YnWa77: Jul 10 2013, 09:34 PM

yes...your explanation is correct bro! i also hv signed up for stand chart islamic loan, blr -2.45, no lock in, 20% discount on stamp duty, free air asia flight tickets due to stand chart worldmiles card. currently the best loan deal for Elmina

if extend ground+first floor, then it might cost me rm60k ????

Wow! mind to share with me ur stan chart bankers contact? It's also good to share with every1 here in the house if u dun mind. My Stan chart banker from bandar puteri puchong beh pakai leh

SD launched my first affordable home in bandar bukit raja klang recently 2ox70rm380k but very very small bu around 1300sf only. Cannot sell the house within years.

So I dun think it will have much impact not only on elmina but also other new landed property in kv

I was more shocked they opened atiza at 20x88 instead of 22x88. Then after I saw buildup only 1956, I tot, not another small house.

Can put 1 car only

In Islam, everything has to be crystal clear. No uncertainties. Thus, the best product would have a flat rate until the end. Banker knows how much he'll get, buyer knows how much he'll pay.

But in Malaysia, the only home loan that works like that is AIA home loan. The problem with AIA is that the money they're lending is not guaranteed from a Halal source.

Thus, we have the next best thing from the banks with a ceiling price, but not a fixed one. Not sure how this kind of setting is approved by BNM Shariah council but it is a better product compared to conventional ones in Islamic terms. Maybe by putting a ceiling, they can call it a 'fixed' rate.

God knows best.

unfortunately...i hv bought Ariza..haiz.....what u bought? Regia?

Count ur blessing mate...u shud b the lucky 1 to get ariza. Meaning you're d first batch of successful balloter leh.
20x88 stil can park 2 car. Kasi pecah the the middle column if any. But I tot ariza's car porch is free of middle column.

This post has been edited by YnWa77: Jul 10 2013, 10:23 PM

Ic...thx mate