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 Bandar Rimbayu V2, The Township Nature Perfected

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phonixloo
post Oct 15 2014, 10:42 PM

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QUOTE(zzzhhhzzz @ Oct 15 2014, 09:32 PM)
Tats better... No need to pay interest yet smile.gif
*
But now 80% stage, due yesterday.
phonixloo
post Oct 16 2014, 09:37 AM

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QUOTE(eastken @ Oct 16 2014, 08:50 AM)
hahahaha. happyice, so geng meh? you so remember what i said.. yes, for me, phase3 and phase 4. i will prefer phase 3, because 2100sq or 2200 sq or 2300sq for me not that much important indicating the house big or not big, as long as more than 2000sq. because phase 3, also allow us to sit at the garden for viewing newspapre maybe with breakfast, hahaha. design with water feature also, if pet lover lagi good smile.gif

Service apartment and 50 shop lot will launch around next year Q2 already smile.gif
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Wah.... two of you super 'keng'..... find out all the detail. rclxms.gif

Both of you can be the best promoter already tongue.gif
phonixloo
post Oct 16 2014, 10:36 PM

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QUOTE(aobk84 @ Oct 16 2014, 10:18 PM)
In a few years time 900k might not get you that size anymore  hmm.gif
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I agreed, in a few years time, people can no more afford to purchase landed property anymore. cry.gif
phonixloo
post Oct 16 2014, 10:40 PM

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QUOTE(aobk84 @ Oct 16 2014, 10:19 PM)
I also bought a unit at Rimbayu, but in my opinion no place is perfect.
There might still be jam just look at KK during peak hours, the roundabout is crazy pack with cars
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All developed area will be super jam. To avoid jam, the only option is stay out of town hmm.gif
phonixloo
post Oct 17 2014, 01:13 PM

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QUOTE(eastken @ Oct 17 2014, 09:51 AM)
hahaha. near year commercial come already.
never under estimate eco world and tropicana launching, always peak of people.
that time, is another good time rimbayu high explore smile.gif
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Klang Valley out of town will last for half year only
phonixloo
post Oct 17 2014, 04:04 PM

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QUOTE(mingyew @ Oct 17 2014, 04:02 PM)
i think small developer can la.. IJM have no idea.
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I suppose not for IJM. Last time I do asked them can add in additional power point or not........ answer is no for them. They do not entertain blush.gif

phonixloo
post Oct 18 2014, 07:54 PM

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QUOTE(PeriPeri2014 @ Oct 18 2014, 04:27 PM)
Rimbayu total got 40 phase??
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Not do many gua......
phonixloo
post Oct 20 2014, 08:03 AM

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QUOTE(waiDEE @ Oct 19 2014, 11:11 PM)
Where got perennia show unit?
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Yes... no show unit for perennia
phonixloo
post Oct 20 2014, 08:45 AM

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QUOTE(zzzhhhzzz @ Oct 20 2014, 08:34 AM)
Guys how much was periwinkle when it was launched ? if i recall properly its around 850k right ? Went to Rimbayu sales office last week... phase 4 still got 2 units 24x75 near the entrance facing south.. very nice unit.. but was told that it cost 870k yawn.gif was thinking of getting my sis to invest in a unit.. maybe wait for phase 5 strata... but dunno how much liao by then @@
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For me, strata will cost at least 50K-100k extra. This not include the appreciation yet blink.gif
phonixloo
post Oct 20 2014, 09:22 AM

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QUOTE(happyice @ Oct 20 2014, 09:17 AM)
if not wrong, the price 868k++ is the min purchase price for phase 3

if you wan to choose better facing, it's >900k actually

there are quite a lot of facing, all with different prices...

phase 4 in myho is a higher risk with higher return investment
First it's cheaper than strata title phase 5
Second, it's without fencing now, but potentially with fencing.. so in the future, ppl who prefer individual title, might choose phase 4 instead of phase 5, the risk is that the fencing failed

Just my personal opinion.. tongue.gif

Why phase 4 only 2 units left? I thought has more?
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Even got fencing, fencing type will be different. One is wall and one is 'net' type tongue.gif
phonixloo
post Oct 20 2014, 09:23 AM

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Facebook got some guy post some photo of Chimes. go and view it.
phonixloo
post Oct 20 2014, 10:13 AM

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QUOTE(happyice @ Oct 20 2014, 09:59 AM)
huh? i thought the money sitting in my current account is just to offset the interest, (daily interest), so the more money you put in the current account, when you pay your monthly installment, the more money will be used to reduce principal, and lesser interest.

You still can really do the prepayment to reduce the principal, but later if you need money, u still need to take it out, so, quite troublesome, why not just put it at current account, easier to take it out.

Even the money sitting in my current account also won't be able to offset the principal one.

Example:

borrow 300k, interest 4%

You have 300k cash, but you don't want to pay/settle the loan now.

You can put the 300k in your current account, you still have 300k loan, you still need to pay monthly installment, but your interest will be 0%

In this case, your monthly installment will 100% contributed to your principal, because it's 0% interest. You will finish paying your house earlier. The bank earn nothing.

Of course, there are some terms and condition. Some banks they only allow you to put at <50% of the total loan amount in your current account. Etc etc, or else they will charge higher interest..

Please correct me if i'm wrong, hope others can help as well..
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My understanding is that if you park some money inside, this money will offset the principal. ie: you end up paying less interest. RM10 they charge for maintenance fee for the current account.

In case you need to use the money, you can take out the extra money you park inside.



This post has been edited by phonixloo: Oct 20 2014, 10:14 AM
phonixloo
post Oct 20 2014, 10:20 AM

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QUOTE(zzzhhhzzz @ Oct 20 2014, 10:15 AM)
yeah.. more or less like that.. just that for a 300k loan.. you put 300k cash inside.. they will automatically take your monthly installment from your 300k cash sitting in your current account. If im not mistaken, that 300k cash you put inside the current account is consider prepayment.. just that you can always take it out... well at least that is what I understand
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I use this way to buy my car "CASH". All my money park back inside the housing loan. So I no need to keep extra "SAFETY" money in FD smile.gif

Just that last time I get zero moving cost.......... tongue.gif
phonixloo
post Oct 20 2014, 10:38 AM

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QUOTE(happyice @ Oct 20 2014, 10:31 AM)
u r right.. just that I think it doesn't really reduce your principal. It only use it for 'calculation on your interest' that you need to pay.

Meaning u put 100k in your current account, when bank calculate the interest, they will take 200k to calculate interest. But you still owe bank 300k.

The monthly installment that you pay, which portion of it is to for principal, some for interest, will 'gone' from your current account. It will really go into your housing loan to reduce the principal (The real one).

so where do you put your money if you have 100k? if your housing loan is 4 %  interest, FD is 3%, then put in this current account is better than put in FD

in this case, i'm not sure the min 1k 'prepayment' that you meant is the one that we pay to reduce principal or the one staying in current account. I'll check again with agent and on the t&c...
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The principal reduction will be fixed. Only the interest portion lesser.

E.g.
If money installment 1,000. Out of this 300 for principal and 700 for interest.
If you put in money in your CA, then the installment may actually only 600. 300 go to principal and 300 balance go to interest.

This is what I understand.
phonixloo
post Oct 20 2014, 11:18 AM

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QUOTE(zzzhhhzzz @ Oct 20 2014, 11:09 AM)
no.. i mean the 24x75 with south facing near the entrance got two more.. but i think gone liao now ... haha
*
Yesterday I saw someone post in fb only left two corner.... lol
phonixloo
post Oct 20 2014, 11:41 AM

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QUOTE(happyice @ Oct 20 2014, 11:39 AM)
facing entrance is the best ya? security wise is it?
hehe
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Best location, bigger plot of land.... ie Corner unit.....

Prepare a big lump of money than go to book. rclxms.gif
phonixloo
post Oct 20 2014, 12:24 PM

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QUOTE(MeToo @ Oct 20 2014, 12:21 PM)
Just wondering if anyone knows how much PERIWINKEL is going for (especially the corner lot, not end lot..) and if any still available?

Also I was told RImbayu is leasehold?
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Periwinkel is cluster house. 4 house 1 block...... all semi-link to other 3 house. Only no back side. only few bungalow if not mistaken.

Yes... Rimbayu is leasehold, 99 years.
phonixloo
post Oct 21 2014, 02:01 PM

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QUOTE(StupidGuyPlayComp @ Oct 21 2014, 01:14 PM)
phase 2 bumi released still available?

I received a sms from friend that it need balloting on 12/10/14
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On the day of balloting, still had balance. Now not sure. The best way is go to ask the SA
phonixloo
post Oct 21 2014, 10:32 PM

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QUOTE(Serissa @ Oct 21 2014, 08:57 PM)
Also got pictures for Periwinkle too.
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Chimes tak ada..... sad.gif
phonixloo
post Oct 21 2014, 11:24 PM

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QUOTE(eastken @ Oct 21 2014, 11:03 PM)
you try to at the construction photo section, right click your mouse to reload/refresh the webpage, will see the September photo. because your pc might due to cache old display.
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Unifi super slow..... wtf


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