anyway, i am going to accept my loan offer, called up the WC office, they asked my banker courier the offer letter to the solicitor stated in the booking form. Make another fotocopy for my own references, and then bring it together during the SPA signing day.

Natman kor,

LOL ... I sudah jimat-cermat and simpan tabung sejak lahir ma! 

I also no appeal, they terus offer BLR - 2.45% with no locked-in period.

U 1st time beli prop? U dunno what is the quality of I&P's project? Aduh!

Yeah, inp maybe a little slow, not strategic enough. But if u r implying that inp house quality is the same as talam, i think ur brain is near ur butt. U would probably be a newbie in prop. Take it from somebody who is non-biased towards seh. I didnt get to buy one. Thats why i anti biased people. Why wanna be biased? Very funny. Fyi, quality of inp is imho matchable to gamuda and sime darby. Sps quality is not as good imho. Non-biased here coz i bought sps products as well elsewhere. What u really want is this: sps marketing and commercials combined with inp house quality and workmanship. Then u will have a clear winner

Agree!
But unfortunately she thinks I&P is like Talam!

Agree!
But unfortunately she thinks I&P is like Talam!

Rabel, agreed with you.1000
Setia Alam is fully red brick. but Setia Ecohill show unit is cheap plug using sand brick. the pnb is loughing into the bank. ha ha ha

FYI, Setia alam house oso not use red brick. Not only show house.

No, except u bought Banglow land n build urself.

Hi guys, just checked back the photos in setia Alam forum. Confirm is sand brick except the wall share between with your neighbour.

Frankly spk no big diff between sand brick n red brick. Of coz, red brick is little bit better. U can compare the red brick house nite time will hot compare to sand brick n day time is in other way.

SEH rocks!     

Natman kor,

Then try other bank la!

Mid-Nov mate.

Hahaha, HSBC truly the world's local bank.
The last to collect doc from me, but the earliest to come back!
Loan approved.

BLR-2.45%
Lock in: 3 years (from 1st drawdown - no impact to me though)
35 years
RM100 flexi setup cost
RM10 monthly maintenance

Now waiting for Developer approval code for the project to generate LO.
They require the code. But, okay la. Sudah approve ma. Now can look forward to others.

In fact, I had to put in some surety for other banks, HSBC approve solely based on my employment income. The best offer indeed.

Natman kor,

I am a small potato; not taukeh la. They gave 90%. You went through your contact or the agent listed in SEH booking form.
I approached Elisha on the form; took her out for lunch and submitted the forms over lunch. So, indirectly, pressured her into processing it fast and I kept following up every 2 days.
Today, she herself contacted me in the morning and informed that loan approved.

Hi Natman kor,

I said, I may not be able to get 90% based on my own calculation. Then again, my method is old, when I learned credit, variable income is capped to a certain extent similar to allowance income. But, since BNM tightened the ruling this year, there were some adjustments made in accordance to each bank's risk appetite to book in the loans.

Hence, I asked each and every banker prior to submitting my loan if they will accrue my performance bonus (variable) into their nett / gross income calc. and how would they do it? Also, asked about the DSR because, even if they take in and DSR is low, defeats the purpose. Hence, I was able to find out the ways of how both local and foreign banks work and I cherry picked from the beginning with my application. This also included the factor to strengthen the application by offering guarantor hence I applied with those that accepts guarantor so that, I wont need to start over.

This is where I discovered that each bank has its own calc. of the bonus income and some banks; i.e.: RHB though no lock in period, they recognised very low contribution of my bonus to my nett income hence my DSR was high and MOF offered was less than satisfactory. That is when I decided to approach HSBC. During my conversation with the HSBC officer, I had some comfort that the loan will be able to get through though HSBC dont accept guarantor, because they look at Gross Pay and not Nett Pay. Also, they take only the latest bonus and not average of 2 years. Similarly, my loan was approved because my DSR was only 70+% including the new commitment since they took Gross + 1 Year Full Bonus.

Other banks, my DSR was in high 80s% or 90%. I went with a lady because, I always believed in law of attraction. +ve and -ve works better than +ve +ve or -ve -ve.