I loaded in. No problems..

Got DIBS, then you pay 10% downpayment

No DIBS, then you pay 2% and service the interest.

More or less the same.

Of course the not same part is..

If no DIBS and developer build very fast, then purchaser will benefit. But if developer delay.. Then purchaser will cry.

For DIBS, if developer build very fast, developer will benefit. But if developer delay, then developer will cry.

Give example to a 500k house.

2% is 10k, 8% which is 40k is rebate.

SPA will still be stating 500k.

Maybe 500k interest is around 30k for 3 years (approx)

Then need bank penalty and bla bla.. Haha
Dunno is good thing or bad thing to buy new launch anot..

Well, if the late damages able to cover your installment then ok lo.

But what if they don't pay? U sue them? Haha

Gadang huat... RM 0.90 today la

My views and opinion on Gadang
Gadang - Ripe for Ride

Haha. Thanks. Good call as always ? Haha joking.
Just did enuf homework and analysis and the team is good in goreng share !!!

So u got ride along the jackpot? Huat ah!!

This is not one night stand game mah. Is few nite stand.

Wad price do u want it to be???
Rm1 ok ?

If there is no girl in the world.. then guy wont have dream... haha

If mbsb default and a lot of npl, then epf money will go kong ???

Bank Negara Malaysia announced on Friday a set of measures aimed at curbing excessive household debts and to reinforce responsible lending practices by key credit providers.

The measures, which take effect immediately, complements the earlier measures introduced since 2010, and include:

a) maximum tenure of 10 years for financing extended for personal use;

b) a maximum tenure of 35 years for financing granted for the purchase of residential and non-residential properties; and

c) a prohibition on offering pre-approved personal financing products.

The financing tenure will only apply to loan applications submitted after Friday (July 5, 2013).
Bank Negara said the move was because household debts had continued to increase at a strong pace, averaging at an annual rate of 12% over the recent five years.

“While this has been supported by positive income and employment conditions, in the more recent period, there has been a growing trend in offering financial products that are not in the long-term interest of consumers. This includes extended financing tenures of up to 45 years for house financing and 25 years for personal financing,” it noted.

While this may reduce the monthly repayments, the practice increases the overall debt burden of households in the long run, it said.

These measures are issued pursuant to section 31(1)(a) of the Central Bank of Malaysia Act 2009 and apply to all financial institutions regulated by Bank Negara Malaysia, credit cooperatives regulated by the Suruhanjaya Koperasi Malaysia, Malaysia Building Society Bhd and AEON Credit Service (M) Bhd.

It said the key credit providers must observe prudent debt service ratios in their credit assessment to ensure households are protected from rising costs and unexpected adverse events. However, households who have the financial capacity to take on borrowings will continue to enjoy access to financing.

MBSB can 25 years because they are not banks.

Banks only can 10 years for personal loan.

Meaning MBSB is standing in a very good position and winning all others conventional banks.

You only have to believe it will..

I am quite gray on this actually.

c) a prohibition on offering pre-approved personal financing products

Question is:
Does that extend to those banks' call center who call the customer and inform them that they are pre-qualified or have pre-approved loan/term loan/dial for cash based on their credit cards limit?

If cannot dial for cash, and need to submit documents only can get approval, then those call center people really can makan rumput liau lo... Cuz they need to call and go collect document and do submission which is definitely a major change shift..

I see your blog, i read your call.
But why you inform people to buy eastland after it had hit limit up and cannot buy already also..

Was looking at how Handal had been transacting.. Very furious, wondering wazz up with them.. Warrant eating like no tomorrow only although premium like shit