Hi guys

just want to confirm, if i have a cash of RM100k, and one of my house loan is still outstanding about RM80k.
my house condition is:
1) non bumi lot
2) leasehold
3) master strata - still pending for individual strata

Should i quickly settle off the loan?

or

Should i wait until master strata is converted to individual strata?

my concern is if later on i pay in full but developer never issued individual strata till the end

i get to know that there is a new strata regulation came into enforcement but that only applies to new purchase
for purchase made before the date of regulation imposed, it doesn't give any impact.
that is why i reluctant to pay in full since if its under bank, bank have their own lawyer to fight with
but if the property is under my name, i might have problem in long term to deal with this kind of thing.
it may cost me more just to fight to get the strata

Property that does not have strata title after many years may have difficulties to get loan for new purchasers.
but in reality, many properties fall under this category, how can we avoid this?
8-10 yrs to get the strata title is normal is Klang valley.

the delay is to blame our loose enforcement, the irresponsible developers and residents.

Why i said resident also playing a part is many did ignore the notice by developers that when strata title is ready, they need to engage lawyer and paid a sum for the process.
Some developers are smart, they collect those fee upfront, but many residents/ purchaser also don't want to pay 1st....

Some are property flippers, want to sell the house, so drag for few years later only to direct transfer to new owner.

this is the mindset of malaysian.