u check di or not really no ah pig ah dog got loans, look around you especially in LYN and bubble talk..

those upgrade one has problem of their own, this shall be revisited in dept after some triggers it.

i really do not meant to university discrimination, but loans officers are usually Cina ppl and depends on the banks, sales team especially, employing a lot local grad still acceptable, UTAR students of various field not related, now we see why??

oh, ya hor the internal team officers vetting documents and earning slips, wonder they do eat ? the loan officers will push for it, small time loan officers of course be ignored, get ur manager to support then confirm go throught.

Bearbear look like know many thing but actually he know nothing....

He is too easy to cheat n  fool  if he start doing business now

I need to have my lovely dinner, but for you, so how has the safeguards of bank acted? any under table transaction being approved?

Everything from Bearbear is from he heard from my others people say and he never experience himself...

Those talk no difference with pasar uncle auntie talk ...

I wonder those give him this type of info so call professional also never experience apply for loan before or just simply blow water...
Bearbear accusation is very serious to banker reputation and will mislead people think that everything can kau Tim with money...

First he look down agent , he look down Blue collar, he look down banker   

Bro bear, u kalah 9 streets liao. Lai lai lai pls look for new quotes to save ur ddd leader title.

When they are using sold before sell strategy, you can't buy from developer direct, unless it is on outer city center area. When you are looking for it, usually agents will offer you their units which will be much more expensive.

Boss,
Bear2 missing many hours already. U bring him go Ngai Ngai??? If not, need to report police after 24 hrs wor!

Sound boss' stamina super fast, after few mins shot then gone... no energy lior! Many bosses here tried to motivate him but no sign of he get stem again! Haizzzz....

Maybe he a bit Okok quite kwa cheung, but in a way Developer business in Malai is really very profitable one, can collect moonee before even see 1 brick or 1 tiang, that why so many other business also abandoned & start to join in developer band wagon, Parking operators SCP, Plastic Mfg Mah Seng, Under Garments Mfg Caelgirl, Used Car Dealer Meng Heng, & many more, what ever rubbish been build also can be sold, like Ah Tu Ah Gao company also can become developer.

Other country need Build then Sell one, here you can collect monee &cabut also no action be taken, few year later come back registered new company do same tricks, like my laoda nobody can touch his 1 bulu.

Which others business can collect money first 3-4 years later only maybe or maybe not delivered product to customer, somemore every couple months can increase price in each next phase.

Latuk Manutgidds lu drink kopi susu can, order 1st Cup RM 3, order 2nd Cup RM 3.5, 3rd Cup RM 4 or not ? For you will pull down your pants & show them your heard shape pattern boxer lou dai...kakaka

Pls ask rising star come here...we need a strong dddd leader

Bearbear cannot harap anymore 

dun always say like that... i where got tembak blindly one? on the point, the loan issue where is that banker come explain, how come got under table go through one?

be reasonable, under table to get 10-20% extr5a valuation not like 500k getting 2 million.. siao meh

dun forget, the the same banks are also approving car loans, personal loans, credit cards... the safeguards for all these other than property should be tighter even the sum is lower, coz in property you still have the property as security that makes one as secured creditors, defaulting still can sell house recover loss..

it is confirmed by owners/agents they are throwing the prices down by 20k to 30k One south @ seri kembangan by Hua Yang..

well launching price is alwayls higher than subsales price...

if you want to see drop in terms of drop below launching price... you are in your own world, beyond DDD...

if you wanna troll you are alwayls welcome

very monority , still a debatable issue, not big numbers is  a better word.

but that is a very great problem in property and very subjective..

say GT208 selling 550k , valuation only reach 550k

then got 1 joker come and buy and interested, but do not have enough cash in hand, but exhibit loan ability to borrow loans worth 550k or even 600k

so, how to go about it? easy, valuers and agents will be there and say "where there is a will, there will be a way, furthermore, when one need to buy property and we need to hit our sales target, even if you need the god to come down we will also serve you"

such as owners marking up price to 600k, under table valuers 550k now become 600k, if you want 650k also no problem..

so 600k loan was disbursed to owners/seller, of course this is/maybe one off incident by under table, but problem is it only takes 1 case to have transacted at 600k , and the new market price is now 600k for all the units waiting for sale.. at this point, these case are no longer consider marked up after the first went through, this is precedent price..

it only takes a few/very minority if you like, but the effect will be horrible, just try 2 more under table transaction like this on top of the distorted values, then we have the idea ( 5-10% increment yearly even though bull run is over syndrome) , and the other follows, bull fever is not over yet, though we may have low transaction, price still going up, yup I see that going up  , Malaysia GDP /economy damm good

now you see where I am coming from despite very little/ very minority transaction?

and yup bank really did better study than anyone of us, just the implementation what...

I also see LRT business so good, KTM too so good, even laws of our country so good, we are just behind UK in everything, but still we making loss in LRT, KTM and law of course..

even you take company, shareholder and management are different ppl, the management are merely workers, some be high rank and some be low rank, money is not thiers, as long as they can show to shareholder in their term of service maybe 10 years before retire/changing that they have projected profits for the next few years to come, they discharge their duty already..

companies like Lehman bros are also made with good safeguards/study have they not? but the truth is that they collapse..

to share further with you, we have non executive directors, internal audits, external audits, and etc to protect interest of share holders, so has all these body perform what they they should do?

actually now tightening lending means economy not good? the increase of OPR clearly means gov want the public to use lending with care not just taking debt due to cheap interest..

enough is said, I think you have better appreciation of what has been mention, especially on the under table but in minority numbers

Then u don't buy from dev ... Then u don't buy sub sales coz investor earn ur hard money.
How u got ur 1st house then?

irrelevant, as not answering the topic, considered troll

if one has no experience, then should an experience investors be able to tell any explanation to this? is this happening? and was the subsequent market price is set higher to the new market rate price/market valuation?

most valuer need to jack up , if you are saying biger firms of reputable standard then maybe the will not, but so many banking branch in the country , all under the say of bank manager of that branch..

well, as mention, just need minority under table transaction to distort the whole project price

you also losing up, not even one point was addressing the issue, all are just personal attacks, with no points put forward to renegade a point based on good foundation, it well mean that not denying, with that we know what has contributed to the property price especially bull run syndrome is over but with 5-10% increment

should include this as quote of the century by 

https://docs.google.com/forms/d/1FMmNNZ-X2p...N0otSo/viewform

bro bear for u