hi there, which bank islam u went? Sri Permaisuri that one?

i dont think they can process the loan that fast after u submitted the application for just few hours..

This post has been edited by wykl: Jan 19 2016, 12:33 PM

You need to ready another 7k for all the lawyer/legal fees

You rate is consider good already, congrats bro..

Lawyer called me that day to sign SnP although I haven't got any loan yet, how come you said cant sign?

Bro, I think what it means was 3.9 +0.55 which is 4.45%.. The baseline rate is 3.9 now so add another 0.55% is 4.45%.

Public bank offer at 4.55% which is not much different actually.. Just maybe RM 10 to 20 different in each prepayment each month..

So, its 5k? i tot i need prepare 7k - 8k for all the legal and stamp duty fee ..

This post has been edited by wykl: Jan 22 2016, 12:35 PM

he means he will provide the legal fees of rm6k as it will be included in the loan and another few % for the insurance.. u will get rm270k and u need to pay 30k to developer + 2.5k for the SNP to the lawyer

Not yet.. I wish to get the offer soon..

What you mean by settle the loans within 3 months?

If you get 90% loan from the bank, you just have to give 10% of the money which is rm30k to the developer isnt it?

I see.. Just got to know that there is this period of 3 months to sign the the LO ...

thanks for the info

This post has been edited by wykl: Jan 26 2016, 09:15 AM

bro, u signed the LO already? SnP and stamped?

At least you got offer.. I havent even got offer yet except from pbb bank, how much is yout loan and what rate?

i got offer from PBB too, 85% at 4.55..

now waiting for other bank

This post has been edited by wykl: Jan 26 2016, 08:51 PM

they never tell me that but i informed the officer at danau lumayan that im still waiting lo.. u?

35 i guess

maybank cant process yet, cimb bank do not have the record in their system, rhb bank also cant process yet (i guess) coz last week they just receive enough document from the developer..

and yet the developer asked us go go bank to find loan

anyone here, signed the LO, SnP and have everything stamped?

pbb is the fastest to reply, what rate they offer at what margin? signed the loan offer edi?

do u know what is the next step after sign the loan offer letter?

wonder how much legal fee to prepare... so headache..

i know the bank now cover some of the legal fees like the loan stamp duty fee, loan agreement fee..

please correct me if im wrong..

i paid rm15k first then now im still waiting for the loan offer from bank..

i think if i got 90% loan, then i need to pay another rm15k to the developer..

then some forumers here said, need another rm5k for all the legal fees.. but i just knew recently, bank loan covered some of the legal fee such as stamp duty for loan agreement and some fee for dont know what....

I paid the first 5% at the end of december, then finding bank loan up to now..

Still waiting for the bank offer then i can proceed to sign the loan offer if found one..

Then will proceed to sign SnP (pay legal fee of rm2.5k) and sign loan agreement with the bank (pay another 4k)

my case is that, because the bank islam loan do not include into the loan amount.. (just went to the bank just now)

Then after that should be all..

oh ya.. the 10 % need to settle with the developer which is rm30k... unless the bank can lend you more than 90%... then u can pay less to the developer...

something like that.. anyone out there please correct me if i calculated wrongly.

yes, paid by bank draft rm 15k..

EPF can withdraw later to pay for another 15k.

You used your epf withdrawal for housing loan before?

I got the unit facing the KL side but can't see the KLCC

PR1ma one is more expensive, yes...

Bro, the developer got give you the list isnt it?

CIMB Bank
Maybank
Public Bank
RHB Bank
Bank Islam
Am Bank
*got few more but forgot the name*