Before this,  i already eat roti kosong.

now i need to order half roti kosong lio.

alo bro, due to new rate hike n possible another 1-2 on d way. m lookin to refinance my prop... any1 noe how much it would cost? or can it done wit d same bank? currently loan below rm200k, no more lock in period, rate blr-1.8% . interested wit flexi loan onli though...

sory...dunno where to ask... stresss niiii

huhu..no la. it was 2010. sub rm200k property, dats d best deal i can get

I got one loan with BLR-0.7%.....

ooo..ic... thanks for d info!!!

goin through d agent better or i direct go to each bank better?

As I have always said, bearbear you will never ever buy property. Interest rate movement, bad news, government statistics (like Pemandu/EPF you read now), government measures etc will always happen in your life every year. If such small event like 0.25% will affect you, wait until you encounter bigger things. So bearbear, forget about buying property. Your way of interpretation of news will make you delay and delay your purchase. Small incident only, and your legs will shake

Remember last budget when Ah Jib announced the measures to curb property prices ? Such big impact ! 30% RPGT !! Foreigner RM1m !! No more DIBS/zero entry !! Sure property market affected right ? I was dead sure the property prices will come down as you are now with 0.25% interest rate increase. I was dead wrong after 1/2 a year 

Again my advice to you. Remember you are buying a home for you and your wife. You are not buying a property for investment. You buy a house you and your wife like. Not buy a house at a price you like. Ask yourself, if your property later increase by RM300k will you sell ? If your property later decrease by RM300k will you sell also ?

Future is so uncertain. The price may go down, but at the same time, it may go up also. Nobody will know.

Long time no hear bro !