I just sent my documentation to :
MAYBANK
CIMB
RHB
OCBC
UOB
HSBC

Lets see who is the fastest~~~

I just hentam masuk only ah....

Later see who is the sexiest lo... (of course, you da sexiest according to amint)

definitely you are the sexiest jor....

   

definitely you are the sexiest jor....

   

Hahahaha!!

Anyways, from whatsapp, RHB & Alliance got leng lui what - Alliance loan quite nice also from surface, the banker coming to meet me this noon, update you all later.
 

amint cakap punya.....

if i have a bank... unfortunately no 

i am scratching head to cough out the D/P        so what makes you think my personal account can afford loan to you

cause i have no house to stay, been searching for one for some time and this is quite a good one ... so still die die book

Hahaha, pening a bit la, but still can one... after settle downpayment, then installment ok d

that's my last choice. Based on my calculation, i have it, just that need to work out EPF to be taken out

walao eh. dah la aku pening tak dapat beli seh. ko tambahkan pening aku dgn comment sebegini. haha

Yes and also another lady from Alliance. I dont know the forummers standard but seems alright.

anyone knows if our house will come with hot and cold water shower? (centralized) system.

  kedekut punya sp setia

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

pray hard!

choi

not yet firm, so must pray hard... 

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.