Ambank yes, RHB and CIMB i dont know since I dont do them

For normal 3rd party loans, you can do it with: Alliance Ambank OCBC MBB and HLB

Oh, I can only speak for the banks that our firm are panels for: Ambank, Alliance, OCBC, Maybank, Hong Leong

Anyway, PBB allow which levels of 3rd party? You can refer to my illustration here:

Yes, the speed is limited by how fast the land office is handling the case. And it also depends on the land office that is processing it. A client of mine had dibs with the people in the land office and had it done very quickly. But for normal cases people just have to wait as there isn't much that the solicitor could do.

For properties with strata title, it would take the longest by the land office. Normal processing time is between 6 to 12 months (!!), it is especially bad for land offices in WP.

For properties with individual title, it would normally take between 30 to 40 days, the longest being for land offices in WP.

one of the bank "PBB" "HLB" both effective jun and july. Since you said i'm SKL then prove me black and white in official if i'm wrong. I have official black and white on my hand.

thx for the detailed write up Madge.. really helps alot.. another question tho.

7. When the valuation report is out and the price and value doesn't match, you can cancel the whole deal. Yeah it is a waste of time. and it incurs abortion fees of 1%

point no.7.. this abortion fees of 1%.. its written in the S&P right.. i mean is it a standard clause in the S&P agreement.. or is it default by law.

really appeciate u takin the time to help

Dear Tavia88,

1. For underconstruction project, purchaser doesn't have any rights in choosing their own SPA lawyer to represent them in any legal manner that benefits them. Developer lawyer will always be the number 1 choice in handling all the loan and SPA documentation. That's why you get all the perks free Legal SPA fees, Free legal loan fees and etc. In the end, lawyer will represents developer's interest over yours. This is the hard truth.

If your property is subsales, do continue reading.

2. For subsales, purchaser will have the right to chose their respective lawyer to represent them in loan and SPA manners. Lawyer will able to handle your case given that they are the panel of the given bank that you are going to sign your Letter offer with. unpaneled lawyer can also help in handling your case(subjective) but the process will be delayed as some SOP needed to enable the lawyer to represent you.

3. For your case, does your lawyer enpaneled with ambank? If they are officially enpaneled, it won't be a problem and you will be able to have them represent you.

4. Who do you speak to? try speaking to their branch manager and ask what's the issues of such predicament. Complain to headquarter but this will usually drag your case for months. Worst come worst, change another lawyer.

5. I had not personally encounter such problem with ambank, my lawyer has facilitated lots of ambank cases, So I can't really give you a constructive advise regarding this. All is well, hope everything works well for you

Dear Tavia,

Oh subsales, then this is not right at all.
What's your lawyer's firm name? could be blacklisted for some reason hence can't be used.

1. I will ask the head loan office where to lodge a complain. Will get back to you soon.

Actually, what's their excuse in denying instructing LI to your lawyer?