Those which has not bought will have hard time getting loans and no dibs. Those which has bought is enjoying the facilities now. I fail to understand why those who has not bought is the winner. From before until now,  banks approve loan base on a person ability to pay base on income track record. It is not given out as wanton as some thinks. Bank more afraid loaners cannot pay, so i also fail to understand why those believe that with the implementation, suddenly a lot of people cannot pay n price collapse. Bank negara in setting the rates also have the data of loaners paying capability n will be fully aware of the npl risk if they increase the rate. New property price will be stagnant which will be the ceiling for subsales. Inf fact it may help flippers as there is no.different in buying subsale or new launches.