Hello just wanna get some advise on the loan rates. After filtering out the best rates from the banks, I have shortlisted these 3 banks. Which one will be the best?

Maybank : 4.45%, lock in period 4 years, every time take in or take out money has to spend RM25. Can put up to left 1% to serve the loan.

Public Bank: 4.35 first year, second year onwards 4.45. Lock in 3 years. Every time in out money charges RM50. Can put up to 3 years left for installment.

RHB: 4.45%. Lock in 3 years. Free of charge for in out money transaction. Can put up to remaining RM1K left to serve the loan.

Very hard to choose eh.

Public Bank agent told me that ppl usually pick PB because their rates won’t fluctuate that much compared to other banks. Is it true?

Whoa...u really showing off here....got 3 banks offered you loan still headache meh? Haha

Seriously i wont take anyone bcos of its rate. I will choose one bank that work well w my existing portfolio.

I take PB Bcos pb is the hardest to get approved. Mayban and rhb senang nak get approval.

rhb.. the flexibility for in out cash without any fees..

@lester_wk haha tin kosong lester.

It's a common practice for those not so strong public listed companies like Loh & Loh to create subsidiaries to limit their liability. That is the reason why they call it "private limited" or if you don't understand what PLC means, it is called Sdn Bhd in Malaysia "Sendirian" Berhad.

You can never see big names developer like SP Setia or Sime Darby property using an unknown subsidiary to develop their project because they are well known, experienced and their brand itself is highly marketable. Loh and Loh is not well known in high rise property development, hence there is no reason to use the holding company name to be at stake. If anything fails, just close down their PLC and move on.

Basic business management also don't know, did you even study Kemahiran Hidup during secondary school or did you slept in class huh LESTER BOY...?


P/S : Big names do use subsidiaries sometimes but mostly because the subsidiary is specialised and actually more reputable in certain area. It's like Toyota using Lexus for its luxury line but in Loh & Loh case, it doesn't seem that way since they are using a totally nameless and experience-less subsidiary which looks more like a meat shield than what was said earlier.

This post has been edited by JasonLeeX: Nov 12 2018, 10:31 PM

Jason,

i bought properties from SP setia (Setia and EcoPark), Tan&Tan, UOA, MahSing, Eco world and NONE of them ( i repeat, NONE) the spa is signed between the holding company and myself.

i cant vouch for other major developers like SIME, Sunwei, UEM and Tropicana.

in this case... i agreed with Bean gor and the Lester boy... lol.... so far i seen all the projects under big developers you mentioned... none of them use the holding company as the developer company for their projects.... and i think i have met and dealth with alot more developers' projects than you do... even the golden age old See Hoy Chan also using different subsidiaries to be 'meat shield' for each of their development projects....

roughly when is stage 2(a)?

I guess it should be after CNY

Thanks for update!

As of DEC 29, 2018

actually I quite like the layout plan for pana. clever

6 out of 8 are corner units. only 2 units are intermediate.

very short walking distance from/to lift from every unit.

of course the set back is no internal door to eliminate the lift 'ding ding' sound....

would like to get a unit here. seems like the view and location are quite nice

Any SA here for this property can pm me? Got no time to go to the sales gallery.

I am curious, some people said the developer will build "covered walkway to the lrt station" what does that means? extending the cover shelter from kelana business center all the way to Panorama?

Also, what is the fence up thing with danger sign next to panorama? Is it a sewerage?

left side or right side? Jason, you plan to buy a unit here?

Nop, not my kind of project.

Oohhh. which project you are planning to get?

I am thinking to get either serene, panorama or arcuz. any advice?

I might get a project in seputeh or bangsar south because my office is in KL although I travel to Subang/USJ/Ara Damansara quite often. I see that you are a kelana kind of guy so here is my personal view on kelana.

Isn't Arcuz the one yet to be launched?

Can't really judge until you live in it but for the price you are paying, Panorama would seems to be a better choice [All these excludes workmanship factor etc.].

I personally do not like the idea of a stagnant lake nearby. It is cleaned now by the developer but no one is going to clean it after few years down the road. Just look at subang lake and taman jaya lake. I'm not sure how much discount Serene is giving but based on SPA, it is too overly priced for a "leasehold" project. There are hardly any amenities nearby and the area is pretty jam during after working hours.

Panorama isn't much better either but at least it is affordable [especially if you don't fancy those expensive finishing]. Less than 200 meter is the busiest street in that area leading up to federal highway. There is a stadium nearby and if they hold any events there, it will be noisy and jam as it passes by the road in front of panorama. It lacks amenities within walking distance and there is this fenced up danger sign thingy which I think it is a sewerage right next to Panorama, not sure what it is and if there is any effect of it but it is ugly and dirty though. Also, I would envisage a lot of blacks & middle eastern would rent Panorama since the Lincoln College (low cost private college) is there. A lot of blacks already living in shang villa (I got this info from googling) so I would expect a surge of these people to rent Panorama as well since it is affordable as well.

This post has been edited by JasonLeeX: Jan 6 2019, 11:25 AM

How abt highpark grand soho and glomac boulevard?

Forget abt serene. If you can afford serene you wont even need to consider arcuze and pano.

Arcuz ranks least in my list. Literally next to nkve and smacked btw narrow road.

Personally i prefer subang jaya....lot 15 or subsale isola.

Have u checkout avara seputeh? not really a kelana guy... hahaa. just prefer near pj damansara area.

yea Arcuz going to launch soon. have early bird package now.

Actually Panorama seems really good except the developer not so well known and like u said mayb neighbour might be black.

As for serene, actually they do provide a pretty good rebate now. so after rebate, the price is just slightly higher psf wise compare to arcuz and panorama. And as for the stagnant lake, i think it will still maintain for at least 10 years + coz there will be a lot of future development for that big piece of land.