Freehold double storey terrace. 1st time loan. I'm looking for legal fees quote not loan. Thanks.

Dear
LOAN

Loan amount: 301500      Sub Total

Professional Charges       
Facilities Agreement        2,560.50
Charge Annexure        201.5
Entry and Withdrawal of Private Caveat        350
Statutory Declaration        100
      Professional Charge  3212
Disbursement       
Stamp duty on the Facility Agreement (Original)        1507.5
Stamp duty on the Facility Agreement (Copies)        20
Stamp duty on the Charge Annexure        40
Stamp duty on Letter of Offer        20
Registration Fee on Charge        120
Registration Fee on Entry and Withdrawal of Private Caveat        450
Affirming Fee/Bankruptcy Search        100
Stamping on Statutory Declaration (Owner Occupation/not a bankrupt)        40
Land Search        120
Documentation Fee        318
Transportation        300
Telephone Calls, Facsmile, Printing charges and couriers and etc        300
Miscellaneous        50
       
GST 6%        231.72
Total        6829.22
SPA
SPA amount 335000      Sub Total
Professional Charges       
Sales and purchase agreement        2,560.50
Entry and Withdrawal of Private Caveat        350
Statutory Declaration (P.U.(A) 361)        100
CKHT 2A        200
      Professional Charge  3010.5
Disbursement       
Stamp duty on the Memorandum of Transfer (subject to valuation)        1675
Stamp duty on the Sale and Purchase  Agreement        40
Registration Fee on Transfer        400
Affirming Fee/Bankruptcy Search        100
Registration fee on entry and withdrawal of private caveat        450
Land Search        120
Transportation        300
Telephone Calls, Facsmile, Printing charges and couriers and etc        300
Miscellaneous        50
       
GST 6%        219.63
        6665.13
Total        6829.22
Total                                                                  6665.13

Total Loan + SPA =                                          RM 13,494

Hi. Thanks for the quote. I'm loaning 75% RM250000 not 90%. Appreciate a requote. Thanks.

Hi. Thanks for the quote. I'm loaning 75% RM250000 not 90%. Appreciate a requote. Thanks.

Hi. Thanks for the quote. I'm loaning 75% RM250000 not 90%. Appreciate a requote. Thanks.

hmm hello!

I need some advice:
1. Property selling price - 495k
2. Seller agree to mark up - 530k (more than 5 years liao)
3. Bank approved loan - 477k
4. Paid 3% of 495k, which is RM14,850

Question:
1. Do I pay the remaining 7% of 495k, which is RM34,650?
2. Or pay 495k-477k-14.85 = RM3,150
3. Will I get kena con easily? not much details for mark up.

Thank you.

Since its a mark up loan the lawyer should know what to do between the buyer and seller

1. No you pay the balance as per 2.
2. Yes this
3. It's a private agreement. The lawyer should know what to do.

so if my lawyer asks me to pay as per no.1, means they are not competent? damn worried kena con by cash

hmm hello!

I need some advice:
1. Property selling price - 495k
2. Seller agree to mark up - 530k (more than 5 years liao)
3. Bank approved loan - 477k
4. Paid 3% of 495k, which is RM14,850

Question:
1. Do I pay the remaining 7% of 495k, which is RM34,650?
2. Or pay 495k-477k-14.85 = RM3,150
3. Will I get kena con easily? not much details for mark up.

Thank you.

so if my lawyer asks me to pay as per no.1, means they are not competent? damn worried kena con by cash

just a question

if I got two offer,

1) OD with rate of 4.4 on my loan (20 years) - 1% fee for those paid up front
2) Non flexible loan with rate of 5.6 (20 years)
3) Semi flexible loan with rate of 4.6 (20 years)

I'm still confuse which one to go for? The OD which is lower rate or just close eye and jump into Semi flexi loan?

Well if you got money to pump into ur loan  in the future then take a semi flexi. Furthermore the rate is lower than option 2.

so the OD is not a good deal?

just a question

if I got two offer,

1) OD with rate of 4.4 on my loan (20 years) - 1% fee for those paid up front
2) Non flexible loan with rate of 5.6 (20 years)
3) Semi flexible loan with rate of 4.6 (20 years)

I'm still confuse which one to go for? The OD which is lower rate or just close eye and jump into Semi flexi loan?

Dear,

1 and 3 will be a feasible options, except if no.2 come with additional clauses that suits your needs

1. OD
-interest rate is higher, however, if you r amount doesn't exceed RM200K, there's no interest charges on the unutilized amount . PROS

-However, bank has the option to withdraw your cash anytime, that's the CONS

2. 3) semi flexible loan

- cash out interest rate is very low. (PROS)

- installment start on the first disbursement, in 1month time

- Cash out amount credit into the loan account will help reduce interset charges, which will offset the charges

- Bank can't withdraw your cash anytime they want like OD.
3 Do compare the above and draw your own conclusion base on few of my brief points

Cheers

Thanks will need to make decision. Thanks

Have to refinance the loan and then add you into the spa

Need to pay the SPA and Loan agreement fees

Dear,

1. valuation fees
2. RPGT      (as ownership changes)
3. legal loan
4. legal SPA (as ownership changes)

CHEERS

Thanks will need to make decision. Thanks

Oh Mine  

Thanks~~~

Make sure you know what's the purpose of the loan otherwise you'll be lost
Lol y ?