About 400k. They said need to put in ~ about 10% of the loan amount in the saving accounts for 6 months, then perhaps can get -2.40.

Sherlyn punya whatsapp photo kind of leng lui oso.

Not sure about alliance coz never intend to apply with them.

I don't think so lo

kedekut punya sp setia

LOL ... U call Chris Choy and ask see got mou

good idea, but cross check same project and type in setia alam, macam no hope...

pray hard!

LOL ... This time I got crystal ball, so dia cakap NO centralised water heater system ...

choi

choi oso no use woh robert di di ... reality oways hurt!

not yet firm, so must pray hard...

U sudah ask chris choy ga?

May i know your loan amount? with mrta?

Hey Cheryee,

You taking MRTA ka?
I just got the OCBC guy, not so good and dont think can get BLR-2.5% based on his explanation.
You can try with your banker or KC Toh.

OCBC is semi flexi - can put in but they got 2 account, 1 is Advance the other is Capital.
If in Advance, any amount <5k is considered advance, say if repayment is RM5k per mth, you pay 6k, excess 1k is advance payment - reduce interest but cannot withdraw.
Capital is any amount >5k advance payment and then in multiple of 1k. Means, you have to pay at least RM5k to consider it as capital repayment but can withdraw. Only at branch and charged RM10 per withdrawal.

No cheque book one this account. DSR is high but i see their net income calculation very low. And, general rule got lock in 3 years but will be waived for large loans.

I applied with CIMB but not under staff package; their net income calculation is quite high. Waiting for good news soon.

This is what i raised earlier in my conversation with natman kor.
So, in this case, if we want to do it as such, we need to do quite abit of reno, so, can we do it earlier. Hot and cold shower will simplify alot of things instead of having a separate heater in the bath. Moreover, house such as Semi D is now equipped with these as standard appliances.

what do you mean, can we do it earlier? you mean paying to ecohill or reno after completion?
Reno definitely need a lot money.

Kitchen = 30k
Living room 15k
Bathroom = 5-10k?
Solar water heater = 12k
Furnitures, build in cabinet = 15-20k?
Flooring = 20-30k

What else do I missed?

Lol

How to do it earlier? Pls guide me as I am a noob in reno stuff.

I have asked a fren who is in the ID biz, he sd average 150-200k woh for the whole house.

yeah, i calculate also around that...
Did your friend said that 150-200k includes ID fees?