Wonder why all the design now have 3 bathroom upstairs.... u guys like it more? I personally prefer themto expand the size of room and upstairs living room more.....share toilet will do...

i think about the same with what SA told me, but I actually can't remember..haha
she said most importnat is to apply for bank loan now

Thanks!

Guess I'll apply standchart, rhb, hongleong, cimb

I heard that Islamic loan will give you 20% discount on stamp duty, and there will be a ceiling of 9.99% also..i think i'll apply islamic loan..

It's a GOOD news !!!
happy to hear that.. can see some 'light' already
i believe the resident will cooperate ... and if they ok, and local council ok... then I 'Guess' la.. IJM will pay for the fencing.. hahaha... small investment, can get so much of good benefits afterwards... it's a township



just hoping and guessing.. believe it at your risk..

haha

Actually i agreed with you..the agent also can't explain clearly.. these are the things I found from loanstreet.com.my... and after reading.. i was like...

For an indefinite amount of time, there will be a 20% stamp duty discount for Islamic Loan Agreement documents. Note: In conventional financing, there are only 2 legal docments necessary - Facility Agreement and Charge documents. But for Islamic financing, there are at least 3 (for some products 4), which brings up the total legal costs.


For Conventional loans, if a borrower alters the terms of the finance (E.g. Increase the facility amount), the Loan Facility Agreement would only need to be up-stamped. For Islamic financing, a new Sale And Buy-back Agreement (BBA) needs to be drawn up, making it more expensive.
Islamic financing have difficulty in restructuring or refinancing in the case of default
Your costs for early settlements, late payments or defaults are more transparent in the contract as compared to Islamic financing.


hmmmmmmmmmm

Actually three things:

1. Resident need to agree on Fencing..
I think they will agree, as added fencing will definitely help bring up the price of the property (for those who don't care about security), and provide better security (for those who don't care about the price, just want to stay).
First year free, meaning even if they don't want to move in yet, they still don't have to pay, so, why not just say 'yes'?
Yes, I agree there might be weird ppl with weird reason, but hopefully it's < 15 %
If no fencing.. property price won't increase, and i think it will be hard to sell also in the future...


2. IJM to pay or not?
I think they will pay, by paying for fencing: Benefit for them:
They get good reputation, after all it's a township. There are still a lot of phases afterwards
If they are not paying, they take the risk of: buyer complaining (lowyat guys complain in forum? )
Also take the risk that , there could be more buyer who will disagree by paying for fencing, thus.. in the end no fencing.. and the whole project was like??


3. Local council to approve?
Pray....
There is already an example from vettel2020 that it is possible....


That's why I'm a bit optimistic.. only thing is I need to pray more
hahahaha

If there's fencing, we pay little (cheaper house price, cheaper maintenance), to get something like 'G & G'.. worth it, hahaha.. it's like gamble la ....

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

eastken.. tell your friend about my theory above
to increase their confidence level.. but of course, believe it at own risk
haha

actually, it's quite sien one if your friend dont' want to buy there
else can stay nearby
haha

my case also

phase 3...
was too late for phase 1 & 2 .. else sure buy phase 1/2
huhu...

This post has been edited by happyice: Oct 15 2014, 09:46 AM

Top 10 developer : Sunway, Sime Darby, S.P Setia, UEM , Gamuda Bhd – Property Division , Tropicana Corp Bhd , IGB Corp Bhd , Eastern & Oriental , Mah Sing, IOI Properties
The Edge Malaysia Notable Achievement Award 2014 -> Eco World Development Group Bhd and Tropicana
The Edge-PAM Green Excellence Award 2014 -> IJM Land Bhd’s The Arc at Bandar Rimbayu

CANAL city, all three developers are in EDGE .. ok not bad

Nearby project AI -> Developer Naza TTDI is not in

another bank agent said islamic loan has other charges that could contra the 20% stamp duty discount we can get.. hmmm
anyway, apply two, one is islamic, another is conventional..

but i checked :
http://malaysialoan.com.my/wp-content/uplo...torical-BLR.jpg

Last time our BLR is really .... so high.. >10%! and BLR is positive instead of negative...!.. meaning that Islamic loan could be good as it provide the ceiling of around 10%...

after read so many .. i still confuse...

after apply loan then will ask SA again
lol

first time buy new house also..

RHB need to take MRTA right to get -2.5? for my case, I need to take minimum of 2k++
and then need to take their credit card
if not, only -2.45
How about u?

This post has been edited by happyice: Oct 15 2014, 04:34 PM

yes you are right.. RHB promotion now, fully flexi loan no need RM10 account maintainance.. not bad i think
but MRTA, how come your one more
i think 7 years also.. try to nego for lower MRTA? (but maybe my loan more so they can give lower MRTA? i also not sure)

better buy life insurance than take MRTA i think

MRTA = if anything happen, they will pay to the bank to reduce your loan
Live Insurance = if anything happen, get the cash and then can decide to use it for what

but if -2.45 for 35 years, it's more than the MRTA amount u pay, so it's better to take MRTA with minimum..

Victor, he is always at rimbayu office...pm me if you wan his nr, but i believed all same one...i asked other bank also say can just take min mrta...i think i knew why mine is diff wif zzzhhhzzzz...my loan is combine one, two person, so 50%...hehe

If u ask here, we will say rimbayu is the best...if you ask in bbr thread, then ppl will say bbr better.. after all, it's your choice, i believed the main diff is location and project type, rimbayu is more. 'Center', and it's a big township...alot of future potential... hehe...

Let us know ur budget, ur condition, place u stay, ur work, family, etc, etc type of house u like...then only i can help u analyze rimbayu suit u or not...i just scare after i explain, no more phase 4 units for u to buy already... hehe...rimbayu house always fast selling, not.easy to get to buy the unit u really like...

i need to ask about the cheque book, forgot already
but according to agent, RHB just introduced full flexi, that's why there's promotion without RM10 per month..

Phase 3 (32x70) is selling 900k++, but phase 3a is all fully booked, i think you can put in waiting list to get priority when phase 3b launch, or when there's ppl who cancel the units.
Phase 4 is selling at 780k++ (24x70), 810k++ (24x75), as of last Sunday update, only 17 units left, now i'm not sure.. 24 is quite big.

Actually I'm also struggle to choose between phase 3 & 4. My wife prefer bigger internal space as she don't like pets, she prefer a larger kitchen. I prefer garden as I like fish pond and grass.. Eastken also said he like house with garden
Anyway, for the size of 24, i think in front we can add fish pond & small garden as well.. really not bad already

Some potential of growth for rimbayu:
WCE on the way (in 5 years time, can easily drive to taiping/banting in the future )
Putra Heights LRT (in 2 years time)
MAHSA University (near by, completed this year i think)
Commercial in Rimbayu (launch in 2 years time)
Shopping mall in Rimbayu (It's in the plan but not confirmed)
Fencing if success (not confirmed, but wait for Chimes.. haha)
Tropicana and Ecoworld development at neighbour
Service apartment/condo in the plan
School & others in the plan
A new road to link to Bandar Saujana Putra (Ready in 2 years time)
Closer to Cyber (if cyber is a boom in future, and the housess are 1.5 million++ to 2 million, then ppl will choose rimbayu)
Summit USJ is being upgraded (RM68 mil), completion (end of 2015) (Rimbayu is actually quite near summit, no toll.. i think driving ~ 20 mins)
IOI resort City (the biggest mall at south of KL, opening this year), heard it's with 'Ikea' like furniture shop.. driving <20 mins)
Millenia City Puchong (<15 mins) under construction
Gamuda Walk Kota Kemuning opening soon (<10 mins)

Current advantage:
Neighbour of Kota Kemuning Commerical area (Quite a mature town, i believe it's about the size of bandar puteri puchong)
Econsave, nearest supermarket i think
Pasar Malam/Pagi at second roundabout
Eco-friendly, the design of rimbayu.. so nice~
~20 mins to Puchong, no toll
~20 mins to USJ, no toll
Actually not far from klang/shah alam, as it's at the center

Please correct me if I'm wrong, and if there's any other thing to add.. haha

Pls ask your SA, i think rimbayu this developer, is quite nice.. hehe.. give a good reason to them?

i apply standchart islamic, other bank conventional. i keep ask the agent if there's any charges if refinance/sold within 2/3 years, the agent said just the normal one, apply to other loan.. hmmm.. but the other two agents from other bank said the diff thing.. some advices me not to apply Islamic loan...
nvm i just apply and see if i can understand the T&C later..

actually hav u bought a unit?

This post has been edited by happyice: Oct 16 2014, 08:39 AM

first time buy new house (some more so expensive), quite scare one, so i study the whole thread from v1, till end , and check out a lot of stuff, go there survey etc etc..


u r right think so need to get additional 5% discount from IJM
loll