As you wish bro...

Not sure if 3 phase wiring is stated in SPA.

However, its stated in SPA that they will provide 5 air-cond points and 3 water heater points.. With such specification, fairly sure it is 3 phase wiring, not make sense if it is single phase...   

I didn't get the update in my recent visit to EM sales gallery but I guess they will fully open Merrydale by 1H15 and by 2H15 they should have launched Mellowood.  If Merrydale sales has picked up faster, probably the new launch will happen earlier.  But given the cautious market sentiment due to the impending GST, I rather believe steady sales is the expected outcome.

You suspect the spec stated in your SPA different from others?

Btw, my friend visited EM last week and told me that Merrydale South Garden is expected to launch this month.

hehehe... I am using CIMB flexi.. If you have extra fund in the account, reduced monthly payment of course no problem, even you don't want to pay monthly also no problem.  

Example:

You need to pay RM 1500 per month for the installment.

Scenario 1 - No need pay monthly at all:
On Jan 1, you bank in RM 18k + RM 120 into your flexi account. That's mean your account now have extra fund that is sufficient to support 1 year installment. So, even you are not paying for Feb, March, April till December also no problem at all.

RM 120 here is referring to the monthly RM 10 charges.

Scenario 2 - Reduced monthly payment
On Jan 1, you bank in RM 1,800 + RM 10 into your flexi account. That's mean your account now have extra fund RM 300.

On Feb 1, if you choose to pay RM 1,500 - No problem (continue pay same amount, save more interest)
On Feb 1, if you choose to pay RM 1,200 + RM 10 - No problem as well (paying a reduced amount), coz the remaining RM 300, it will take the money from the excess fund you deposit in previous month.

That's the "beauty" of flexi account.   

Agree with you as this is basically what I did too.

Yes sir, my document is well
Prepare as before booking i did a few pre accesment
I did short listed few bank jo

But at EM sales office hard to resist those leng lui banker... Lol

i saw today got 1unit 8D facing the central garden
very good price 865k, last unit

Chris gor, if the cost of fund is increased, the KLIBOR rate will definately increase as well.. If KLIBOR is increased, I presume Bank B will increase its Base rate also, no?

Klibor increase definately will give more severe impact to those banks with smaller deposit bases, higher current BR rate in this context, no?     

Samkor, theoretically all the banks that use KLIBOR are supposed to have the same BR.  I believe the difference could be due to the timing they captured the data and submitted to Bank Negara last year. Also it is possible that the difference in the way they do the computation resulted in different BR.  That explains why the BR of most banks are quite close as you can see here [attachmentid=4415687]
The BR could have changed now as the banks are only required (by Bank Negara) to keep the BR unchanged for the first 3 months.

BR = 3M KLIBOR + SRR, so the variation of BR relies on both KLIBOR and SRR (not just only on SRR).