Bro can access d site d or u r d special guest with special access just for u?

Begonia's buyer here. 🙂

I already serving my second progress payment. From RM700++ for the first month, to RM1000++ for the second month. They claimed really fast, almost RM260k.

Welcome bro mine already 35%, so seems like acacia slightly faster than begonia

Hi, new here, I was thinking of getting maybank until I read your info for HSBC, which give better rate. If you please elaborate the different between BBA and MM concept..? pro & cons.?

Helps very appreciated.

Here's what i got before.


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Ehsan, thanks for sharing.did u booked the corner lot? Which size and what's the price offered?

Clarus is on 10/90 scheme. No rebate. You pay 10% upon SNP and then 90% during VP.

Camelia has 5% rebate hence entry price is lower.

Main different is MM/MMP dont practice the "ceiling rate" and "selling price" concept, as opposed to BBA. So the effective interest rate may fluctuate depends on the Base Rate (governed by BNM). In BBA, your total payment cannot exceed the "selling price" regardless of the BR fluctuation. If the rate remain constant or moving downwards during the tenure, you end up paying less than the selling price. The different between them will be treated as Ibra' (rebate).
*selling price is not the principal amount, rather its a 'calculated selling price with all the risks.' (I.e. principal amount of 800k may have more than 3M selling price for tenure of 35Y)
"ceiling rate" interest typically around 10.xx%
MM/MMP don't have this kind of mechanism. As such, there are risk that the interest rate may fluctuate excessively because it solely depends on Base Rate and the bank's judgement of the current economic situation. No limit imposed to protect the borrower. Then again, it very much depend on Malaysian economic. You can check BNM web for the Base Rate historical data to understand the trend.

Well, depend on individual preference...

Clarus may have higher down payment, but is kind of "DIBS", you save the interest during construction period.

Clarus starts from 668k.

Sales package:
1. 10:90 scheme.
2. Rebate 2% if sign loan agreement within 6 mths after signing property LO.
3. Additional 2 % rebate after VP.
4. Free SPA n loan legal fees, MOT n loan stamp duty.

Despite the above, agree that Camelia still cheaper.

As average, interest paid during construction period shall incur another ~3% of sale price too.

Camelia nett nb price about 560k only leh.... but no free MOT. In term of price, Clarus cannot fight lah....

Boss, after minus MOT, rebate plus interest during construction period, how much different? 20k? 30k? 40k?

Camellia after add MOT and 3% (progressive interest) = 560k + 17k +18k = 595k.
Clarus after deduct 4% rebate n another 3% (progressive interest saved) = 668k - 27k - 20k = 621k.

Bro kvr u damn good in calculation! so abt 26k difference n camelia has lower entry cost

hahaha..... no la... I'm just ordinary person. Not "orang dalam" or cable....
trying to get pictures by myself, but not so brave to enter the house....hehehe

I'm begonia buyers too...inter...so far they already release 291k... 50% already

Tnks bro for d pics, hoping to c more from u! Now d roads tarred d? Last time I went in March it was nt

Wow that's fast! For own stay bro?

yes for own stay...