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Household Residensi Hijauan Lumayan @ Taman Naga Emas, In between Salak South and Sri Petaling

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wykl
post Dec 23 2015, 09:34 PM

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QUOTE(Kilohertz @ Dec 23 2015, 06:53 PM)
I agree with you but it's a give and take, looking at it's size plus if you really are working in KL, I think the location is really good. I would have committed earlier on too but now I'm eyeing on subsales hence that set me back.
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yea, what uncle08 said is true, its surrounding with old flats and very old shop lots which is very boring and the view isnt that catchy as well..

normally i would hang out in either seri petaling or kuchai lama which is just about 10 mins drive away.. so it just depend whether u like to stay in that "kampung" area or not.. i live in this place for about 23 years so i got used to it biggrin.gif

i care less about the resale value and etc as i plan to live there for at least another 10 years maybe after the house is completed smile.gif

and yea, it really depends on individual's preference nod.gif

This post has been edited by wykl: Dec 23 2015, 09:35 PM
wykl
post Dec 24 2015, 12:34 PM

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QUOTE(aspx123 @ Dec 24 2015, 09:59 AM)
this project i think 1 block have 3 lift + 1 bomba lift = 20 floor compare to others project 3 lift = 33 floors.. huhu
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I tot is 2 lifts and 1 lift bomba? where did u get the info from? hmm.gif
wykl
post Jan 9 2016, 07:06 PM

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im still waiting for the loan approval from bank now, havent sign any SnP yet.. >.<
wykl
post Jan 11 2016, 08:41 AM

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hi guys, lets say there is a bank offering me 85% loan but i decided to go for other bank for higher margin..

should i ask that bank to give me the loan decline letter as i cant afford to pay 15% for the first payment?

wykl
post Jan 12 2016, 01:46 PM

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QUOTE(PrincZe @ Jan 12 2016, 10:29 AM)
To the developer or dbkl?
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Both.. as u know, sometimes documents are not being kept properly by "some party" out there.

Better if you can duplicate your documents for easy submission smile.gif
wykl
post Jan 13 2016, 10:39 AM

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QUOTE(kakashin @ Jan 12 2016, 08:12 PM)
Hi guys,

For those that have applied for the loan, which banks did u applied with?

I am currently in the midst of applying loan. Hong Leong and RHB told me they have to check and obtain some kind of approval before they can proceed with the loan application for this project. Did any of you encounter similar experience? Thanks.
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hi bro, i am in the middle of applying loan, so far i tried Public Bank but only managed to get margin lower than 90%..

I went to RHB bank to apply and they said they will get back to me this coming Thurs/Friday.. But this RHB bank is not the one in the bank panel list, i went to the Sri Petaling branch..

Submitted another request to CIMB bank in Sri Petaling too but they need 2 weeks rclxub.gif which i dont think i have enough time to wait for them but anyhow, just let them process...

bro, are u applying the loan from the banks that they listed (panel bank)?
wykl
post Jan 13 2016, 10:40 AM

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QUOTE(aspx123 @ Jan 13 2016, 10:29 AM)
I already go to mybank and cimb and their say not in the system because developer not update yet.
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Cimb bank said that they have the record but they need to do a background check on the developer first and need extra time on this.. thus, require 2 weeks in total.. this is what the banker in the sri petaling branch told me hmm.gif
wykl
post Jan 13 2016, 01:01 PM

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QUOTE(kimirockz @ Jan 13 2016, 12:59 PM)
we can find bank other than the panel bank?
i want to apply loan too, the developer pass me a list of panel bank.
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i went to other bank too, i think it is ok as long as the loan can be passed smile.gif
wykl
post Jan 13 2016, 11:05 PM

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QUOTE(kakashin @ Jan 13 2016, 10:59 PM)
So far, I have only submitted my loan application to Maybank. For RHB, I contacted the bank officer that was listed in the list provided by the developer. He told me he is still waiting for RHB HQ approval to proceed with loan applications for this project. He said it might take another 1-2 weeks and he will update us (he mentioned a few other buyers contacted him as well) once he received HQ approval to proceed with the loan application. So I guess for the mean time, I will submit my loan application to Public Bank first.

Do you know if the developer has set any deadline to obtain the loan and sign SPA after booking the unit/paying the 30k?  I forgotten to ask them about it.
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Public Bank come back to me in one week time but they can't give me the offer of 90%... I can't afford to pay more than 30k rclxub.gif

RHB bank and CIMB bank said they need 2 weeks to process, and not sure whether they can give 90% or not..

There is deadline, I called and asked.. They said the soonest the better, in about 2 - 3 weeks time then need to sign S and P agreement.. That time need pay rm2.5k+ for the lawyer fee..

I guess u better call and confirm with the office for your case..

Anyone here signed the loan agreement and waiting for vacant posession? biggrin.gif
wykl
post Jan 13 2016, 11:34 PM

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QUOTE(kakashin @ Jan 13 2016, 11:32 PM)
Oh, 2-3 weeks is pretty short period of time sweat.gif I think I'll give them a call to confirm. Thanks!  smile.gif
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No problem bro smile.gif
wykl
post Jan 14 2016, 03:24 PM

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QUOTE(macellsprive @ Jan 14 2016, 10:01 AM)
Im going to submit the documents today.
May i know what is the possibility to get a unit there?
Do i need to bring along d/p RM30k in order to get a unit?
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better if u bring so that the officer can give u a booking receipt for you to find bank for housing loan..

QUOTE(specopsmarines @ Jan 14 2016, 10:50 AM)
Just got my loan approved. Interest at 4.65% instead of 4.45% sad.gif Thinking if I should take it, or go for another bank.
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how much they gives? 90%?
wykl
post Jan 14 2016, 10:01 PM

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QUOTE(uncle08 @ Jan 14 2016, 05:11 PM)
Maybe bank think loan 270000 cannot earn much if interest @4.45% only. So they rather charge 4.65% instead. Are you loan 30years? 90% u got?
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i got 4.55 by pbb with margin lower than 90% .. rclxub.gif


wykl
post Jan 15 2016, 01:04 PM

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QUOTE(kimirockz @ Jan 15 2016, 10:59 AM)
sorry, but wad does it means by margin lower than 90%?
loan less than 90%?
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yea, im looking for 90% loan or else i gonna be super struggle to get extra cash rclxub.gif
wykl
post Jan 15 2016, 05:40 PM

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QUOTE(red_0ne @ Jan 15 2016, 04:56 PM)
i just received offer letter by developer today.

just prepared rm15k for deposit & epf statement
rm2.5k for S&P
and they try to apply 100% loan with Bank Islam.

Just wait and see how the progress.
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bro, are u bumiputera? as far as i know, only 1 person out of 100 able to get 100% loan hmm.gif
wykl
post Jan 18 2016, 06:01 PM

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QUOTE(lifebalance @ Jan 17 2016, 09:54 PM)
if you need help for loan application feel free to contact me
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are u an agent? hmm.gif

wykl
post Jan 18 2016, 06:16 PM

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anyone having issue with RHB bank? heard that Danau Lumayan is not yet provide the document needed by RHB.. thus unable to process the loan, and it affects all people borrowing loan from RHB on this project... anyone have any idea with this?
wykl
post Jan 18 2016, 06:32 PM

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QUOTE(lifebalance @ Jan 18 2016, 06:25 PM)
I am mortgage specialist, dealing with loans with bank
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i see.. have u heard any news from RHB bank regards to the loan processing in there? all the loan application with RHB bank is freezed at the moment and there is also problem where the bank is not able to finance this project..
wykl
post Jan 18 2016, 06:36 PM

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QUOTE(lifebalance @ Jan 18 2016, 06:34 PM)
need to check o, sometimes a bank fully hit quota then they will start rejecting cases
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bro, u r right.. but i think this is something to do with the developer unable to fulfill the criteria requested by the RHB thus unable to finance to loan borrowers or something.. could u please help to check and enlighten us with more details? TQ
wykl
post Jan 18 2016, 11:30 PM

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anyone got the loan approved by any bank yet? i got a call to sign the snp, should i ask them to wait till i got the loan?
wykl
post Jan 19 2016, 12:21 PM

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[quote=AlanProperty,Jan 19 2016, 12:12 AM]
[quote=wykl,Jan 18 2016, 11:30 PM]
anyone got the loan approved by any bank yet? i got a call to sign the snp, should i ask them to wait till i got the loan?
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[/q
better wait for your loan approve 1st.
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[/quote]


thanks for the advice bro smile.gif

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