By right yes coz any new enforcement cannot have retrospective effect.

Aquatilis and Pistia was not in the planning to launch. It was planned for second phase. According to the GM. Probably it is second phase pricing?

This is Phase 2 launch brought forward to Phase 1 hence some premium.

Theres also another new term when i vist ho hup sales office. DIVS or something like that which means we pay the bank first and claim from developer with the reciept      power eh developer really a lot of kung fu

I think to be able to afford a brand new house DSL - Freehold in an *excellent* township at the price; RM450K +- is reasonable considering the net price should probably around RM400K after excluding the embedded DIBS, MOT, Legal Fee and Stamping. There are no DSL in the subsale market at this price and even if there is, the township is not as well planned as this. This is a major + point for SP to attract the buyers.

Kajang 2 no doubt is nearer but accessibility wise is still debatable. You need to pass through some township or access towns/other old residentials whereby SEH residents enjoy some sort of privacy as onlookers / passerby will never know where you live unless they tail you home.

My viewpoint though. I am SPS fansi and a biased buyer.
   

No need to test, proven de! Haha

So 2nd phase also goreng pisang panas. Need to camp there for 1 week...

Not sure whether next phase will be another sudden sms attack or not ... 

morning morning.... V3... here I come...

Hi, cooleq, you received any offer from banks? any good deal? I'm still waiting...

Can anyone DOUBLE / TRIPLE confirm that alarm system for Semi-D / Semi-D Cluster?

Many thanks...

Eh, cooleq, you bought Semi-D or Link House?
Do i know you, if 7.40, then should be in the same queue mate.
I was there ard that time, got into the queue by 7.45am.

No solar???

hohoho..what do guys think now that PNB wanna put I&P boss as sp setia boss?  What if u are in their shoes?

Yes indeed.

For Full Fexi: You will have a CA and SI is made to debit your account monthly, so payment is made to CA and not your housing loan account. Hence, the account maintenance fee of RM10, nowadays bank charge SI fee of RM10, but this is for setting up the SI, not monthly - so, bank is ripping us off. But, if they dont rip us, I wont enjoy >1/2 year bonus, so cannot complain.

For Semi Flexi: Only 1 account is created, housing loan account - in which division is created - one is Advance Payment and the other is Capital Payment. I am relating this to OCBC as I have little knowledge on how all banks work. But, banking system / framework is roughly the same so, they all should be somewhat practicing similar methodology, at least in theory.

So, if you deposit just your monthly repayment amount, then no issue, but if you pay more than what you need to, say, instead of RM3k, you pay RM4k. RM1k is excess and this is considered as Advance Payment, so, the next day interest calculation will be: (Total Loan - Total Installment Paid - Total Advance Payment) x Interest, so effectively, you pay less interest. But, this advance payment is no longer withdraw-able.

But, if you pay instead of RM3k, RM10k, excess of RM7k is considered to be Capital Repayment, so, next day interest calc. is similar to advance payment method: (Total Loan - Total Installment Paid - Total Advance Payment) x Interest, so effectively, you pay less interest. But, this capital repayment is withdrawable.

But, in semi flexi case, withdrawal can only be made over the counter (OTC) and not by issuing cheque such as Flexi account. U pay for the convenience lo.

This is basically a flexi loan - but those days, there is no charge for flexi loan as it was being introduced to market; only some people take up this product as only a few percentage realised the benefit of flexi loans. But, as consumers became wiser and tech savvy (smartphones); information is accessible, everyone started taking flexi loan till the usual traditional loan concept died..

This is of course not favourable to the bank as they lose interest income - projected vs actual is inaccurate. So, they reintroduce the traditional one as semi flexi to discourage consumers from either making advance payment or capital repayment by making it more complicated to withdraw as opposed to flexi loans.

And, started charging for flexi loans - this may deter applicants in opting for flexi loans. The way it works is, when you pay advance / excess, your contribution to the principal is higher; but since there is no change in tenure, what happens is, they either give you payment holiday when your excess rebates the principal to the extent that it can cover certain months of installment. Or, they will accumulate and perhaps say at the end of the tenure of the loan, they realise you had overpaid and they discount one year from the loan tenure sshould you have sufficient savings in interest to coover 1 year of installments.