Ambang,
I found out one of the factor OCBC classified DSR based on your salary. If your salary 3K-8K DSR should be below <80% but if you salary more than 8K DSR < 90. But I don't know how the others bank evaluation.

I already check my loan approval document from CIMB but offer term loan instead of full-flexi loan. Ask my banker to resubmit appeal to change the letter offer to full flexi-loan. Letter offer stated that developer bear the interest during construction period but using other term instead of DIBS.

Everything pay by developer through panel solicitor except if you using government loan. If your banker need clarification just ask him to call personnel incharge in SEH(name card given) before sign LO. SEH personnel really helpful to explain detail to your banker. You only have to pay Service charge RM 10 per month if flexible loan and MRTA or MLTA if you want it.

But my draft CIMB LO stated DISP(Developer Interest Servicing Package) not DIBS even meaning no interest payment during construction period. Need further clarification on this matter.

Congrats.

So budget 2014 only restricted to DIBS but not DISP. So CIMB really creative to avoid misunderstanding on their loan package.

How to revoke or penalise. CIMB & SP Setia GLC company and and furthermore CIMB CEO and Najib abang/adik ma..

What is 5513 bro?

OCBC Islamic.

Semi-D and Bungalow come with private park, Clubhouse, intercom and better infra..So we can evaluate the premium price after completion..If the facilities and infra same like Setia Eco Park worth to buy it.

Construction ahead of schedule is a positive aspect for developer and the buyer. It showed their expertise to execute the project. Ahead of schedule mean they manage the project well and this is important to ensure their whole project of township complete within the stipulated time. So,the budget to do the development is well manage and financial factor is very important to ensure the success of the project.

I confident SPS will complete the project in 18-22 months because earth works and cut and fill work to base formation level is already there. Piling will take about 2-3 months period and SPS will ensure the cost of GST implement in April 2015 not burden them on material cost for the phase 1. So the construction of house completed before April 2015 and infra maybe about 3-4 months after that. If they delay the project delivery the cost increase on material because of GST maybe will be affect on finishing material given to the phase 1 buyer. So I predict VP between 20-24 months period..

So far I never found any natural pond inside the construction area. So I believe the ponds are man made and not too deep compared to natural pond.

So far I never receive any notice on SPA signing..never mind la..my banker still on holiday..

No..never mind..my banker still on holiday.

Received SMS SPS signing 0n 24/11/2013. I have to whack my banker now even he is on honeymoon.

Short term(1-5 years) capital appreciation based on percentage maybe same and not much different but long term Semi-D has more potential on appreciation percentage.

Yes, and don't forget that link Semi-D like Errana(the smallest one) share the same facilities with owner of luxury bungalow. Club house,intercom,private park and others.So the price should be much more premium..

Aiyoyo..Once the township mature the property price at Setia. Eco Hill is unbelieveable..commercial start operation and giant super mall like Jusco in the new township the price will be sap2 sui..I believe SP Setia not take much time to develop this area compared to Setia Alam when Eco World start the ball rolling..

Agreed with you..but if you have holding power and don't force selling in the bad time u will still the winner..buy another property in Setia Eco Hill when there is a crisis and sell when the price skyrocket..