Dear Neighbours,

Let's continue to party here

Version 1: https://forum.lowyat.net/topic/2464259

Version 2: https://forum.lowyat.net/topic/2983341

Version 3: https://forum.lowyat.net/topic/2997865



This post has been edited by cheryee: Oct 30 2013, 08:10 PM

This post has been edited by doomdoom: Oct 30 2013, 08:15 PM

Hi Neighbours, V4 up and running, keep it all coming!

Ya!

Yay V4.. very fast

This post has been edited by darkian: Oct 28 2013, 11:45 AM

OMG,v4 already!

QUOTE(vislai @ Oct 28 2013, 11:28 AM)
welcome back to weekday gossips. haha..

By the way, i plan to sign my LO today. Can you guys help to give some opinion which offer to take:

a. CIMB blr -2.4, fully flexi, 90% full loan, rm200 set up fees, monthly rm10 for maintenance, current account with cheque book. 35 years tenure. No MRTA/MLTA

b. Hong Leong, blr -2.4, semi flexi, 89% loan margin, no set up fees, no monthly maintenance, no current account, 35 tenure, optional renovation fees RM94k (interest follow market rate after VP).

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Hi Bro Vislai,

Option B: I have few queries:
1) Are you sure it is 35 years loan; I double check, triple, quadruple checked with HLB - they can offer max 30 years. Please clarify
2) Do you need the Reno Loan - of RM94k; the interest for this is like Personal Loan interest, 7.5% onwards fixed.
3) Are you going to be paying extra every month and may want to withdraw in future?


Darween taikor,
yes, you are right, my bad, hong leong max is 30 years! About the Renovation loan, it is following the BLR 6.6%, (depends on the BLR rate after VP).

So, if i opt for hong leong, each month the commitment is higher than CIMB installment.

other bank give me blr -2.3, that's why i am considering among hong leong and cimb only.

Bro Vislai,

So, its between CIMB and Hong Leong now:
I would go with HLB if can afford the 30 years repayment.
I can use the reno loan for another prop investment.
I can save the monthly cost of maintaining the account since I wont be paying excess every month.

But, if I dont need the reno loan, I will go with CIMB, since I have 35 years and I rather have longer repayment tenure since, most of us will try to pay off earlier.

Me today , u all party dulu ya!

Get well soon!

Congrats on v4! And get well soon Cheryee !

Congrats to all.... cheers...

one banker told me have to sign the LO within 1 week... got such thing?

i think standard should be within 2 weeks if not mistaken based on rhb LO

Very strange Monday. Alliance rep says my LO will mention DIBS, but what if SEH calls off DIBS? Then I spoke to SEH rep on the phone. She said the management is still discussing and will let all of us (those who have booked) this week what the latest story will be. Until we get some key details in b/w from SEH, it would not be wise to sign any bank LO, methinks.

looks like maybe depend on bank.
Got one bank like very long also no chase me ..haha

Have you tried RHB? Semi flexi, blr-2.4, no lock in period, no monthly processing fee, no setup fees.. actually not bad!

if bank offer letter also got mention DIBS, should be very secure oledy...

if only SEH mention DIBS still valid but bank say not confirm, then u need to worry...

i think most likely the DIBS still valid but SPS is very careful on this so they not simply promise buyers...thumbs up for the SPS...not like some developers bluff here and there....haha...

in fact, HSBC and OCBC confirm to me this project will under DIBS....

CY mui mui, must be yesterday pou until too late, that's why sick liao.. Take care ya...