Yes, maybank allow excess withdrawal through maybank2u online application. The clause is the loan account holder and saving account is the same person. Otherwise, has to be done across counter.

No. 5
The limit is excess amount you have paid to the loan account. Ie if you pay 50k excess, then the max amount that can be withdrawn is 50k..

Yes, if you don't withdraw you will not be charged at all.

Yes, happy 1st year anniversary!!

Township concept draws many benefits;
1. Developer will improve connectity by building highway, ramp etc. connectivity improve value of the whole land parcel.
2. Township allows developer to fully leverage the land usage. The better land in the parcel will be used for commercial development, up market residential whereas the lower deem value locations in the parcel will be used for low cost housing, sewage etc.. The value of the land is fully exploited for the sake of the township. Take for example sunway development in bandar sunway, there is mall, university, hotel, grade A office, theme park, convention centre, hospital etc.
3. As much as purchaser is worried for early phase purchase where the township is still in an infant stage, the developer will have equally high commitment to deliver the project. Why? They have vested interest to sell subsequent maybe 20 to 30 phases to recoup their investment of buying the land. They to have bridging loan to repay.
4. Every subsequent phases usually would be priced at a slight premium over the earlier phase
5. Town beautifications. This process will continue until the last parcel is sold. Why same point as point number 3.
6. Amenities, commercial, school etc are typically planned in the township.

To make things concise, imagine you are given a huge parcel of land. How would you want to unlock the hidden value of this land? That's what the developer is doing. The question is not whether values will be unlocked or stone will be left unturned. It is how much would it be?

I think Southville is a good project.

Build then sell

Also something to note is that ecohill terrace houses are built with sand brick except for intermediary walls.. House temperature may be hotter.. Cluster, semi d and bangalow are built with clay bricks. On that note I am not sure what is the specifications or built material for Merrydale. I would assume they will use clay bricks..

Congrats..