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Semenyih Parklands @ Rinching in Semenyih, Affordable landed DSL from RM 298k
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wailok
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Apr 5 2015, 10:56 AM
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New Member
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QUOTE(NightyKnight @ Apr 5 2015, 10:40 AM) I just got my housing loan approved from Am Bank, but they are not allow me to preview for the offer letter. As she mentioned, offer letter are compulsory to sign after disclosed to me.Are this normal procedure for Am bank?? Pls help... They will not send u the offer letter until you signed with them, they scare you'll use their offer letter to get better rate/ counter offer. However, wat rate Ambank given?
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silent_stalker
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Apr 5 2015, 11:29 AM
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QUOTE(NightyKnight @ Apr 5 2015, 10:40 AM) I just got my housing loan approved from Am Bank, but they are not allow me to preview for the offer letter. As she mentioned, offer letter are compulsory to sign after disclosed to me.Are this normal procedure for Am bank?? Pls help... That is bs. It is called 'OFFER' letter coz it states what they offer u. B4 u take an offer, of coz u need to review it. There is no such thing as 'compulsary to sign after reading it'. I cant even think of any kind of documents that is compulsary to sign after disclosing it. That person just wants to close the deal quickly or got some things in the clauses that makes many people reject the offer. I usually ask the loan agent 1 week for me to think it over. Some can let u bring the doc home.
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NightyKnight
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Apr 5 2015, 12:01 PM
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Getting Started

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QUOTE(alvis5913 @ Apr 5 2015, 10:42 AM) Sound weird. But your banker will explain to you before sign. You can ask everything before you sign. i am new in housing loan. So, i am just worry that something hidden inside.
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NightyKnight
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Apr 5 2015, 12:05 PM
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Getting Started

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QUOTE(wailok @ Apr 5 2015, 10:56 AM) They will not send u the offer letter until you signed with them, they scare you'll use their offer letter to get better rate/ counter offer. However, wat rate Ambank given? Ambank 4.45%
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NightyKnight
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Apr 5 2015, 12:06 PM
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Getting Started

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QUOTE(silent_stalker @ Apr 5 2015, 11:29 AM) That is bs. It is called 'OFFER' letter coz it states what they offer u. B4 u take an offer, of coz u need to review it. There is no such thing as 'compulsary to sign after reading it'. I cant even think of any kind of documents that is compulsary to sign after disclosing it. That person just wants to close the deal quickly or got some things in the clauses that makes many people reject the offer. I usually ask the loan agent 1 week for me to think it over. Some can let u bring the doc home. Agree with you...
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wailok
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Apr 5 2015, 12:12 PM
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New Member
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QUOTE(NightyKnight @ Apr 5 2015, 12:05 PM) Affin offer 4.44% fully flexi but with MRTA, urs?
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NightyKnight
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Apr 5 2015, 01:28 PM
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Getting Started

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QUOTE(wailok @ Apr 5 2015, 12:12 PM) Affin offer 4.44% fully flexi but with MRTA, urs? thinking to take full flexi loan package too...
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robert82
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Apr 5 2015, 01:30 PM
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when i took my loan I have loan offer from 3 banks (softcopy) sent to my inbox. I spent 2 weeks to read them all, cross check with a banker (my friend). Once clarified all, only I schedule an appointment to sign it.
Oh I read the offer letter again on the spot just to be sure it is not amended.
You know la, banks = licensed along.
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NightyKnight
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Apr 5 2015, 01:34 PM
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Getting Started

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QUOTE(robert82 @ Apr 5 2015, 01:30 PM) when i took my loan I have loan offer from 3 banks (softcopy) sent to my inbox. I spent 2 weeks to read them all, cross check with a banker (my friend). Once clarified all, only I schedule an appointment to sign it. Oh I read the offer letter again on the spot just to be sure it is not amended. You know la, banks = licensed along.  maybe need talk with their manager to request the offer letter...
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robert82
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Apr 5 2015, 01:45 PM
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the only thing they would hide from u is the interest rate. That is given verbally and not black and white, as they do not want it to be shown to other bank (competition).
So, that I gave them the slack, as long as the signed offer letter has it printed black & white, and of course same rate verbally agreed.
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TSsamkps
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Apr 5 2015, 04:15 PM
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QUOTE(greenmoon @ Apr 4 2015, 10:44 PM) i see...from semenyih to KL: 3 tolls.....Lekas+twin palm + sg long (grand saga)= RM3.10 There are many routes from Ecohill link to reach KL. If you asking about the cheapest route, it would be: Ecohill link > Lekas (RM 1.10) > Semenyih-Kajang Bypass > Cheras-Kajang Highway (RM 0.90 Batu 11 toll) > Jalan Loke Yew > KL.
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TSsamkps
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Apr 5 2015, 04:23 PM
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QUOTE(alvis5913 @ Apr 4 2015, 12:42 PM) Ya ecolink will connect to semenyih toll, from semenyih to kajang toll rm1.1, very short distance. Yeah, Semenyih toll to Kajang Selatan toll is very short distance, but after Kajang Selatan Toll, all the way till the interchange to Silk highway, is considered Lekas as well. The distance from Semenyih toll till the end of Lekas before reaching Silk or Cheras-Kajang Bypass would be around 5km.
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greenmoon
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Apr 5 2015, 11:38 PM
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QUOTE(samkps @ Apr 5 2015, 04:15 PM) There are many routes from Ecohill link to reach KL. If you asking about the cheapest route, it would be: Ecohill link > Lekas (RM 1.10) > Semenyih-Kajang Bypass > Cheras-Kajang Highway (RM 0.90 Batu 11 toll) > Jalan Loke Yew > KL.  Semenyih-Kajang Bypass <----this one very far
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alvis5913
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Apr 6 2015, 12:03 AM
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Hi, do you think extending the master room to use up the balcony area is workable? Will collapse or not
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greenmoon
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Apr 6 2015, 08:25 AM
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QUOTE(alvis5913 @ Apr 6 2015, 12:03 AM) Hi, do you think extending the master room to use up the balcony area is workable? Will collapse or not calm down mate, you don't even sign the snp yet.haha
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TSsamkps
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Apr 6 2015, 08:48 AM
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QUOTE(greenmoon @ Apr 5 2015, 11:38 PM) Lol... Semenyih-Kajang bypass very far? In terms of distance, it is about same if you opt twin-palm silk route. Semenyih-kajang bypass just more traffic and there is a traffic light at the Saujana Impian junction. Generally, it takes around 10 minutes from the silk interchange to Batu 11 toll using the Kajang-Semenyih bypass, most likely just about 1-2 minutes extra if you are using the twin-palm sungail long silk. Don't forget to connect to the Grand Saga from Silk need to pass through the trunk road in front of Taman Rakan, which has a few traffic lights and prone to traffic jam nowadays. I have been travelling to KL quite frequent and it's very rare for me to use twin palm Silk. I only will use it when I want to go to Sungai Long since it is more direct.
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greenmoon
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Apr 6 2015, 09:04 AM
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QUOTE(samkps @ Apr 6 2015, 08:48 AM) Lol... Semenyih-Kajang bypass very far? In terms of distance, it is about same if you opt twin-palm silk route. Semenyih-kajang bypass just more traffic and there is a traffic light at the Saujana Impian junction. Generally, it takes around 10 minutes from the silk interchange to Batu 11 toll using the Kajang-Semenyih bypass, most likely just about 1-2 minutes extra if you are using the twin-palm sungail long silk. Don't forget to connect to the Grand Saga from Silk need to pass through the trunk road in front of Taman Rakan, which has a few traffic lights and prone to traffic jam nowadays. I have been travelling to KL quite frequent and it's very rare for me to use twin palm Silk. I only will use it when I want to go to Sungai Long since it is more direct. really??? semenyih kajang bypass is the road from semenyih to kajang through billion, bandar teknologi kajang... and penjara kajang then turn to cheras kajang highway??? this one is very jam because got many traffic lights.
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TSsamkps
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Apr 6 2015, 09:09 AM
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QUOTE(greenmoon @ Apr 6 2015, 09:04 AM) really??? semenyih kajang bypass is the road from semenyih to kajang through billion, bandar teknologi kajang... and penjara kajang then turn to cheras kajang highway??? this one is very jam because got many traffic lights.  Lol... That's not Semenyih-Kajang bypass, the route you mentioning still Jalan Semenyih. Semenyih-Kajang Bypass is starting from Lekas, after Lekas you will pass through Kajang Perdana, TTDI Groove, Penjara Kajang, Saujana Impian, Tesco Kajang and then connect to Cheras-Kajang. Semenyih-Kajang bypass is two-lanes road, with only one traffic light in front of Saujana Impian...
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greenmoon
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Apr 6 2015, 09:19 AM
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QUOTE(samkps @ Apr 6 2015, 09:09 AM) Lol... That's not Semenyih-Kajang bypass, the route you mentioning still Jalan Semenyih. Semenyih-Kajang Bypass is starting from Lekas, after Lekas you will pass through Kajang Perdana, TTDI Groove, Penjara Kajang, Saujana Impian, Tesco Kajang and then connect to Cheras-Kajang. Semenyih-Kajang bypass is two-lanes road, with only one traffic light in front of Saujana Impian... ok ok...i think i have been using the bypass road to semenyih before, but how to get out from semenyih to cheras kajang highway using this bypass road????
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TSsamkps
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Apr 6 2015, 09:35 AM
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QUOTE(greenmoon @ Apr 6 2015, 09:19 AM) ok ok...i think i have been using the bypass road to semenyih before, but how to get out from semenyih to cheras kajang highway using this bypass road????  As I said before, Semenyih-Kajang Bypass is starting from Lekas, after Lekas you will pass through Kajang Perdana, TTDI Groove, Penjara Kajang, Saujana Impian, Tesco Kajang and then connect to Cheras-Kajang higway. After you reach Tesco Kajang, you actually reach the starting point of Cheras Kajang Highway.. This post has been edited by samkps: Apr 6 2015, 09:41 AM Attached thumbnail(s)
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