Mortgage Loan Package Inquiries, (Strictly NO Promotion Allowed)
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 Mar 9 2016, 09:47 PM
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#1
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Junior Member
150 posts Joined: Jun 2009 
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Dear AIA,
I am quite confused. If the new launched property with a value of RM 258,000 with developer agree to give Free SPA, how much remaining fees I need to give from the S&P signing stage to bank loan acceptance period? Could you show me the calculation? tq |
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Mar 10 2016, 10:45 AM
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#2
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Junior Member
150 posts Joined: Jun 2009
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QUOTE(lifebalance @ Mar 9 2016, 09:53 PM) Hi michelle The 10% is not a problem as I am ready for it. Loan agreement fee is it the one stated Stem Duty with first rm 100k charge 1% and next rm 400k charge 2%. So is about RM 2160. I heard first time buyer entitled 50% rebate. Is it true?If the developer only gives out free SPA. The other fees you need to borne would be the 10% downpayment for the property which is rm25,800 and also the loan agreement fee which about 3-4k which you have option to finance it into the bank loan.  |
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Mar 10 2016, 10:56 AM
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#3
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Junior Member
150 posts Joined: Jun 2009
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QUOTE(lifebalance @ Mar 10 2016, 10:49 AM) Hi, How about the lawyer fee?If free SPA still need to pay Lawyer fee?What the bank officer told me I can try to nego with lawyer to ask for the fee discount. It is true that we have the right to ask for discount?In my case, lawyer fee calculated is Rm 2256.The 50% rebate is upon your MOT as per budget malaysia 2015. This fee is only applied to your S&P Stamp Duty so since the SPA is borne by the developer, it wouldn't influence you in anyways. You won't be getting any direct rebate from ur developer. |
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