should be la, u know la.. the loan application is tighten lately i heard...

guys, I asked ambank and realised that the bank disbursed according to the developer at 20% already.. Next month onwards have to pay rm540 like that for interest.. Anyone paying almost the same amount for the interest? Higher than what I expected to pay o.O

yea la, some more is rm540.. Anyone here paying interest edi?

u know right... that is too much for interest... im not sure because im using the islamic loan or something, thats why the interest is high? but it shouldnt be that much different right? im gonna ask the officer/bank to calculate it to show me i guess..

bro, means that your bank disburse money to the developer already?

any idea how much interest u need to pay?

mine is islamic loan (im not sure whether there is any difference to conventional) but my interest gonna be like rm 540 next month after i called the bank HQ (Am Bank)..

yea, thats why im asking my banker to check for me.... calculate and show me how they got that amount for interest... im using the islamic loan, shouldnt have that much different with the conventional loan right... i guess...

did u ask whats the interest that u need to pay?

I checked with my banker edi, my Islamic loan is to pay the interest of rm540 throughout the years for constructions.. The amount won't change as long as the building still under constructions..

While conventional loan will pay according to the stage of development.. The more floor built, more money needed by developer, and pay higher interest..

Of coz in the end, the total amount pay either with conventional loan or Islamic loan will be same..

But still I'm paying a lot for next month

Anyone here using Islamic loan can confirm this?

This post has been edited by wykl: May 27 2016, 12:58 AM

Ohh.. So different bank have different way of paying interest.. Urs seems better thou as can pay by small amount first.. I wonder if I can pay interest like urs..

Which bank u using by the way

This post has been edited by wykl: May 27 2016, 11:05 AM

the banker said the total amount pay will be the same with the conventional loan, conventional loan amount will keep increase based on the progress of the development..

and by the way bro, our target completion of this project is end of year 2018 is it?

i tot i saw it was end of 2018?

i juz checked on the website:


Nama Projek Residensi Hijauan Lumayan
Nama Hartanah Taman Naga Emas, Mukim Sri Petaling (BUMI LOT SAHAJA)
Jenis Kediaman Pangsapuri
Nama Pemaju Danau Lumayan Sdn. Bhd.
Tarikh Dijangka Siap 30-Sep-2018
Bilangan Unit 512
Tarikh Buka Permohonan 08-Jan-2016
Tarikh Tutup Permohonan 01-Nov-2016
Status Permohonan Ditutup

https://rumawip.kwp.gov.my/projek-detail.php?prdid=4

This post has been edited by wykl: Jun 2 2016, 06:40 PM

hmmm.. means when can we move inside? this is my first house , so im very noob at this...

yea, i did.. the stamp duty is cheaper than the conventional one...

i received the mail that the first loan has been disbursed, now i am suppose to receive the letter to indicate the amount of interest that i need to pay...

actually , i called up the bank HQ and asked, i just wanna wait for the letter to arrive then pay the interest..

im still quite surprise up to now that i need to pay RM540 flat (the amount wont change) throughout the constructions...

anyone applied the Am Bank loan like me?

You know about this? I just knew it after I signed the Loan Offer and Loan agreement.. is this good?

ya lo... coz its my own fault also, i didnt see carefully on the loan offer..

i asked the banker, the total amount that need to be paid for the interest would be the same but now i would be the highest lo

Yea, i wish the amount if lower thou.. hahaha.. like most of you guys here, first payment only RM100 like that..

Mine is like much higher No choice la, Loan agreement and everything signed.. Just pay and wait for the construction to finish ba..

Up to now, no one can confirm the completion up till noq

yea, lets hope so

disbursement shouldnt take long, better to ask bank directly.. or ur banker

thanks for the updates, keep em coming

can geh bro... just got wind blow here and there only