So both of u guys dont think its a good buy for investment? OMG, I just put a booking rm20k yesterday for 2 units there, thinking of flipping it in 3-5 years time. 

Original S&P Price is 645,888.

2 option:
Option 1: 7% Bumi Discount, then Loan 90% from 645,888 is 581,299. You have to pay 3% downpayment. Pro for this is less RPGT if you intend to do investment and less cash to pay the downpayment.

Option 2: 7% Bumi Discount, then the new S&P Price will be 600,675. You have to pay 10% downpayment which is 60,067 cash. But your loan amount will be lesser 540,607. Cons for this is RPGT will be higher if you want to do investment. But loan lesser by 40K between option and option 2.

Option 1 good for investment and less cash. But loan slightly higher.
Option 2 good for own stay and less loan. But cash is higher

Question 1 - Do you intend to pay principal + interest during construction period ? If yes & you have the money then go ahead pay more to reduce interest.

If you only wanna pay interest during construction period then Question 2 - Are you a person with good self control?  Mean will you spend the extra money on things with no return, then also good to dump more money into deposit.

If you only wanna pay interest during construction period & have good self control, then better keep the money for investment or FD to earn interest while waiting for VP, as money in your possession with return better than in loan account with no return, anyway no body can guaranteed the project will not be delayed or abandoned, so keeping minimal in loan account also minimised your risk.

Upon VP only you throw the money into Flexi Loan Acct to reduce monthly payments or reduce the total years of repayments.

Is all in you whether you wanna pay more or less.

Now all either Full Flexi or Semi Flexi, just checks the rate, compare & try to squeeze for lowest interest.

Avoid OUB, CIMB, OCBC & HSBC though there tends to increase interest as they like.

Ask for the project panel Bank, Usually they are more willing to approve the loan.

Suprisingly MBB still offer for housing loan..hehe..
If this is for ur own stay, how long ur loan is?35 years?

Then ur MRTT should be longer perhaps up to 25 years..that is my opinion...u bought Type B isnt?

Yeah i know mbb for maybank..thats why i said suprisingly they still offer the housing loan..nvmind..hahahaha

Heard a lot of rumours about mbb..but nvmind..ok for u if they offered