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> MyDeposit - Thoughts?, Home Deposit scheme

Ling1200
post Dec 18 2017, 06:45 PM

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Is there anyone has experience whereby the SPA sign by 2 people (not married) but loan under 1 person's name?

Is there any chance for this to be approved?
edmundchong0929
post Dec 19 2017, 12:46 PM

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QUOTE(Ling1200 @ Dec 18 2017, 07:45 PM)
Is there anyone has experience whereby the SPA sign by 2 people (not married) but loan under 1 person's name?

Is there any chance for this to be approved?
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ya sure, why cannot ya ?

chrisling
post Dec 25 2017, 11:50 PM

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QUOTE(dragonnite999999 @ Dec 16 2017, 10:24 PM)
Hi, my question is if i have 10% rebate for the 10% downpayment from the developer. is it possible to apply for this MyDeposit? if i successful get this Mydeposit, how will it go about?
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Why not. The MyDeposit will use the SPA price and calculate the deposit eligibility. Therefore if you wanna apply, make sure the selling price is not exceeding RM500k (before rebate and everything).
ms749
post Dec 26 2017, 09:49 AM

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QUOTE(Ling1200 @ Dec 18 2017, 06:45 PM)
Is there anyone has experience whereby the SPA sign by 2 people (not married) but loan under 1 person's name?

Is there any chance for this to be approved?
*
In my case, SPA under 2 people's name (me and my wife) but loan only under my name. I guess in that case the person that applies should be the one who gets the loan. I'm not really sure but no harm to try.
iloveteddybear
post Dec 26 2017, 11:30 AM

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How to get CCRIS report for the application ah...
aaron1717
post Dec 26 2017, 11:46 AM

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QUOTE(iloveteddybear @ Dec 26 2017, 11:30 AM)
How to get CCRIS report for the application ah...
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bank negara... just bring IC to the machine and print it out....
Ling1200
post Dec 26 2017, 09:39 PM

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QUOTE(ms749 @ Dec 26 2017, 09:49 AM)
In my case, SPA under 2 people's name (me and my wife) but loan only under my name. I guess in that case the person that applies should be the one who gets the loan. I'm not really sure but no harm to try.
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May I know if that's the case, do I submit 1 combined application (with both person's documents) or 2 seperate applications since we are not married?

Thank you. smile.gif
thenazek
post Dec 27 2017, 12:59 AM

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Think very carefully lah before applying since they dont allow subsale anymore.

I also thought it is a good deal for gov tu belanja u the deposit up to 30k. But then walao 10 years cant sell one. If you bought a unit and suddenly dont want to stay there might be troublesome.

30k if you spread out 10 years only 3k a year. I personally think save 3k every year is better lah then tied up to a unit for 10 years. Less than 300 a month ma.

Too much of a risk imo.
Musikl
post Dec 27 2017, 09:43 AM

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Anyone know where I can download the format for "Surat sokongan dan pengesahan pemimpin tempatan" ?
It says can be downloaded after finishing up your profile but I cant seem to find it.
Thanks
paqralos
post Dec 28 2017, 02:25 PM

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Hi all,

I have read the MyHome scheme and i don't quite get it when they said there are 2 types, MyHome1 and MyHome2. Does that mean that these properties are not allowed to exceed 200k?
AverageJoe87
post Jan 3 2018, 06:15 PM

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QUOTE(Musikl @ Dec 27 2017, 09:43 AM)
Anyone know where I can download the format for "Surat sokongan dan pengesahan pemimpin tempatan" ?
It says can be downloaded after finishing up your profile but I cant seem to find it.
Thanks
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You may download it after clicking MOHON in MyDeposit section.
In that section have to fill in project and developer information some more and upload offer letter and the surat sokongan pemimpin tempatan.

Musikl
post Jan 3 2018, 07:51 PM

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QUOTE(AverageJoe87 @ Jan 3 2018, 06:15 PM)
You may download it after clicking MOHON in MyDeposit section.

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I dont see any clickable button or indicator for the download. Im already in the mydeposit ‘mohon’ domain.

Also, on the offer letter, i dont think my developer provided that. I just have the receipt for booking. I do have offer letter from the bank tho.
In pursuit for ‘surat pengesahan’ from the developer now..

Update for today 4th jan
Okay after checking again (7th time) finally found that tiny button.
Thanks!

This post has been edited by Musikl: Jan 4 2018, 11:36 AM
najna
post Jan 4 2018, 01:35 PM

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QUOTE(Musikl @ Jan 3 2018, 07:51 PM)
I dont see any clickable button or indicator for the download. Im already in the mydeposit ‘mohon’ domain.

Also, on the offer letter, i dont think my developer provided that. I just have the receipt for booking. I do have offer letter from the bank tho.
In pursuit for ‘surat pengesahan’ from the developer now..

Update for today 4th jan
Okay after checking again (7th time) finally found that tiny button.
Thanks!
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Do you know how long is the approval process for MyDeposit.

Been reading bout it but I found that the timeline is quite tight, because you have to do everything within that 30 days from the approval date. Meaning to say we have to discuss with developer/lawyer to hold everything until we got MyDeposit is it? We cannot sign SPA earlier than MyDeposit approval date - altho previous receiver said that they manage to get it with backdated SPA.

Or am I missing something hmm.gif
eixa87
post Jan 4 2018, 07:34 PM

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QUOTE(najna @ Jan 4 2018, 01:35 PM)
Do you know how long is the approval process for MyDeposit.

Been reading bout it but I found that the timeline is quite tight, because you have to do everything within that 30 days from the approval date. Meaning to say we have to discuss with developer/lawyer to hold everything until we got MyDeposit is it? We cannot sign SPA earlier than MyDeposit approval date - altho previous receiver said that they manage to get it with backdated SPA.

Or am I missing something  hmm.gif
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this is my My Deposit timeline :

bulan 6 2016 - mohon MyDeposit
bulan 8 2016 - sign snp
bulan 2 2017 - dpt jwpn lulus MyDeposit
bulan 5 2017 - dpt duit..
Musikl
post Jan 4 2018, 07:37 PM

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QUOTE(eixa87 @ Jan 4 2018, 07:34 PM)
this is my My Deposit timeline :

bulan 6 2016 - mohon MyDeposit
bulan 8 2016 - sign snp
bulan 2 2017 - dpt jwpn lulus MyDeposit
bulan 5 2017 - dpt duit..
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Ur snp had any indicative points on the mydeposit?
eixa87
post Jan 4 2018, 08:17 PM

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QUOTE(Musikl @ Jan 4 2018, 07:37 PM)
Ur snp had any indicative points on the mydeposit?
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indicative? what do u mean?
c2pidyee
post Jan 4 2018, 09:36 PM

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QUOTE(eixa87 @ Jan 4 2018, 07:34 PM)
this is my My Deposit timeline :

bulan 6 2016 - mohon MyDeposit
bulan 8 2016 - sign snp
bulan 2 2017 - dpt jwpn lulus MyDeposit
bulan 5 2017 - dpt duit..
*
Hi, mind to share the deposit money direct bank into your account or is it direct bank into developer's account?
Musikl
post Jan 4 2018, 09:49 PM

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QUOTE(eixa87 @ Jan 4 2018, 08:17 PM)
indicative? what do u mean?
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Does your snp state that youre part of mydeposit scheme and that the govt will bank in the amount into developers account as part of your payment.
12321
post Jan 5 2018, 12:11 AM

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QUOTE(eixa87 @ Jan 4 2018, 07:34 PM)
this is my My Deposit timeline :

bulan 6 2016 - mohon MyDeposit
bulan 8 2016 - sign snp
bulan 2 2017 - dpt jwpn lulus MyDeposit
bulan 5 2017 - dpt duit..
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hi mate, can i ask, i read the FAQ said we need the MyDeposit lulus before we sign snp (which I think it's impossible and normally after booking we need to sign snp within 14days), so actually it's not the case is it? We actually can get mydeposit even after sign snp? thanks
najna
post Jan 5 2018, 02:21 PM

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QUOTE(eixa87 @ Jan 4 2018, 07:34 PM)
this is my My Deposit timeline :

bulan 6 2016 - mohon MyDeposit
bulan 8 2016 - sign snp
bulan 2 2017 - dpt jwpn lulus MyDeposit
bulan 5 2017 - dpt duit..
*
shocking.gif shocking.gif shocking.gif

yeah that's why. the approval process is crazy.. 8 months doh.gif or are they expecting us to find a house after getting the approval or what



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