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Investment SETIA ECOHILL (Version 4), Inspiring Eco Township in Semenyih
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darween13
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 Nov 22 2013, 09:55 AM
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QUOTE(akh731 @ Nov 20 2013, 05:17 PM) what about the legal fee, mot and stamp duties that currently pao in the selling price. if loan approved to take out this money in new rulling, is sp setia pay? quit allow money leh, more than dibs Bro AKH, Legal fee, MOT and Stamp Duty SPS pay. When LTV is based on net, it means after cash rebate (discounts) - which reduces the DP - hence, if prop is sold at RM1m without any discount then LTV is 90% on RM1m. Thus, no impact to buyer to pay the other costs. Buyer just need to fork out the 10% as per usual. The only uncertainty here is if got DIBS or abolished. If abolished, how DIBS is going to be compensated since this has be pao into Selling Price. |
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darween13
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Nov 22 2013, 09:56 AM
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QUOTE(Ambang2 @ Nov 20 2013, 05:27 PM) Based on my understanding, net selling price refers to price after rebate, freebies (SPA, MOT, legal fee on loan doc, stamping fee on loan doc). Bank will only allow to provide loan margin after deduction of all the above. Bro Ambang, Based on my checks, rebate here means the cash rebate, not the freebies. Lets face it, some banks finance the legal fee. So, if they were to punish buyers to fork out all these additional payments, banks will not be able to grow their loan book. It has to be a balanced equation. BNM would not want to curb the spending all together and let the prop market crumble. |
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darween13
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Nov 22 2013, 09:59 AM
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QUOTE(Top Gun @ Nov 20 2013, 06:14 PM) Aiyo, I think you mistaken liao lah. I never like or have intention to buy bungalow lots (CG got bungalow lots sell meh?) or any other properties in CG. What I meant was 2 bungalow lots in EG (now EM). Then again, you treated me with so many lemons, remember?  So, I took it as rejection from you and blessing you & AMINT will last forever in yours mansion loh.  Where got tipu-tipu you jek?  My heart for you is always a true 999 Gold one, never lie to you from day 1.  Wah, Top Gun, you really Gun la. Very romantic.  |
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darween13
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Nov 22 2013, 10:05 AM
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QUOTE(samkps @ Nov 20 2013, 06:23 PM) Itemize the freebies and segretate them out from the house price, so that the bank only loan you 90% solely on the house price and the buyer need to fork out the cash for other portions beside the downpayment??  I checked around with Banks, as you know I was "not around" on LYN. As said in other post, BNM did say it has to be based on the net selling price. Though there are ambiguity now, bankers are saying that Nett Price will be calc. based on Gross SP - Rebates = Nett SP; this is because, some rebates can be quantified, some could not. Hence, how to standardise the practice. |
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darween13
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Nov 22 2013, 10:16 AM
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QUOTE(cavynz @ Nov 21 2013, 02:56 PM) V5 is around the corner... ? Yes Bro Cavynz, The thread heated up in last few days upon the ambiguity.  |
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darween13
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Nov 22 2013, 10:18 AM
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QUOTE(c_square @ Nov 21 2013, 06:13 PM) We totally facing the same problem. I also called SEH for few times and that Chris also told me they provided, I even emphasis is for Errana and he said confirmed out d.. Then I push my banker n banker keep telling me not out yet, makes me so confuse and even asked the other banker to check for me and get the same answer. And finally today told me can get the LO by Tmr or nxt week.. Phew... Good to hear that man. Finally, its all being sorted out. My banker also said can sign somewhere next week.  |
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darween13
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Nov 22 2013, 10:27 AM
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